I'm sorry to hear about your father, and the confusion caused by the difference in coverage between Medicare Part A and Medicare Part B. As a rule of thumb, Part A covers your inpatient hospital care while Part B pays for your outpatient care (ambulatory surgery, labs, etc.) and doctor's visits. The first thing you…

It's really up to you — the type of accident or emergency coverage advertized by Aflac and other insurers is meant to cover the "out-of-pocket" expenses of an accident that would not be covered by a health plan. For example, the deductible from your health plan, transportation costs, lodging, etc. However, I do…

Unfortunately, it's going to be difficult to provide an accurate answer without additional details. I recommend reviewing the healthcare.gov website for health insurancce information related to immigrantion status before contacting a navigator or health insurance broker in your state for personal assistance. In terms…

I'm sorry to hear about the difficulties you've encountered setting up a payment plan. Unlike many other industries within the U.S., it is possible to negotiate on payment terms but sometimes you need to be a little aggressive. Doctors will usually point you toward carecredit, as that allows them to receive the full…

It's possible the front-line staff at the hospital or outpatient center doesn't have the most up-to-date information on where you are with your cost-sharing requirements. I recommend asking the surgeon's office to call your health plan to verify how much of your deductible is left (you can also share a screenshot from…

Overall, I recommend avoiding using any type of credit to pay for medical care unless you're positive you can pay off the balance either right away or within any introductory period. Instead, contact the billing office for the doctor or hospital and ask to set-up a payment plan that fits your budget. It's not uncommon…

Really great question, and one that is often not asked enough during open enrollment season. The primary feature I look into when comparing health plans is the "network" of doctors, hospitals, and other providers that the health plan has contracted with for their members. At the end of the day, that's what you are…