Search found 17 matches

by OnTrack2020
Thu Apr 20, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 46
Views: 2805

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

My thought is that you will need to send an appeal letter to your insurance company to pay in-network, as you mentioned this is a small-town ambulance and you were not given the option of having any other in-network ambulance service provide transportation. Is this correct? If that is the case, then...
by OnTrack2020
Wed Apr 12, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Windfall for someone on Medicaid
Replies: 12
Views: 1720

Re: Windfall for someone on Medicaid

Do you live in a state which has the ABLE savings accounts? This allows people who are on Medicaid/other assistance who have been diagnosed with a disability prior to age 26 to contribute to and keep up to a certain amount of dollars in an account to be used for disability-related purposes. I do not...
by OnTrack2020
Sun Apr 09, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4088

Re: Require Access to School Records?

I do think it is appropriate for the parents to ask the child to sign a release to have access to their school records. I believe our son had to sign a form giving us permission. And, with scholarships, he has to keep his grades up, so I try not to get too hung up about it. Also, he has a renewable ...
by OnTrack2020
Wed Apr 05, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?
Replies: 35
Views: 4154

Re: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?

I would be very curious as to the statistics as to how long the life expectancy is for those that enter a nursing home. When my mother entered a nursing home, it was toward the end of her life--around 4 months. When my father entered a nursing home, it was less than 1 week before he passed. That's n...
by OnTrack2020
Tue Apr 04, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 68
Views: 4325

Re: Spring Break Trip to Disney World

Here are a few tips we've learned from going twice: 1. Both my husband and I took Ibuprofen prior to going to the parks, then again shortly after lunch. It really helped with all of the walking we did, and saved us from being miserable. 2. It may be too late since you are leaving soon, but if you ha...
by OnTrack2020
Fri Mar 31, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Talk me through this Pension Option
Replies: 7
Views: 566

Re: Talk me through this Pension Option

Do you have children?
by OnTrack2020
Wed Mar 29, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital billing nightmare
Replies: 26
Views: 2363

Re: Hospital billing nightmare

After reading through it all, I think you are going to need to wait until everything goes through---meaning you will need to wait until all the insurance comes through and is posted, along with any adjustments. Sometimes it can take a while. If you added the baby to your insurance, you will want to ...
by OnTrack2020
Wed Mar 29, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital billing nightmare
Replies: 26
Views: 2363

Re: Hospital billing nightmare

Problem #3. You will need to let the hospital know that the baby is on your insurance plan so they can bill to the correct insurance.
by OnTrack2020
Wed Mar 29, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital billing nightmare
Replies: 26
Views: 2363

Re: Hospital billing nightmare

For problem #1 and problem #2: Did the bill come through with the insurance payment/adjustment applied? For one of our doctors, our payment will not show up on the bill until the insurance payment comes through and is posted. So if I pre-pay toward the bill, my payment won't show up. I have to wait ...
by OnTrack2020
Tue Mar 28, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 9933

Re: Not opting for 529... anyone else?

We've never used any 529s--all taxable. One son attends a private university and did receive renewable scholarships for around $21k. Those scholarships have been a tremendous help. I have to say I was quite nervous in how we/he were going to pay for it. We have managed to pay for the first year. He ...
by OnTrack2020
Tue Mar 28, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Is it time to stop investing in the 529?
Replies: 12
Views: 2083

Re: Is it time to stop investing in the 529?

I'm assuming your daughter will get scholarships considering her GPA. If so, you are pretty much spot on. I would figure at the higher end. Our son attends a private university. Tuition, fees, room, and board runs $40k per year, and is increasing again the coming school year. He received $21k worth ...
by OnTrack2020
Sat Mar 25, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 6704

Re: How did graduating out of daycare impact your finances?

As several have mentioned, it gets worse, much worse. School lunches, constant fundraising, extracurricular activities--fees and uniforms, whether it be dance, football, scouts, etc., book fairs at school, the constant need for news shoes and clothes, nice dress clothes for school dances, admission ...
by OnTrack2020
Fri Mar 24, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 3880

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

I just bought a new car a few months ago. I wrote a check for our agreed on price. I had 30 days to license it. I went to our local revenue office and paid the sales tax. I could not get a license until I paid the sales tax. Yes, this. I'm thinking one way or another the OP will have to pay the sal...
by OnTrack2020
Wed Mar 22, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Account with LPL - Issues
Replies: 6
Views: 473

Re: Retirement Account with LPL - Issues

Have you done some "googling" of LPL....
by OnTrack2020
Wed Mar 22, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Pension
Replies: 11
Views: 992

Re: Pension

My husband went through this several years ago when they froze the pension plan (I'm thinking it was in 2008/2009). He could not do anything with it as he is still employed by the company. The money in it over the years continued to accrue interest. What the company did was to "make up" fo...
by OnTrack2020
Mon Mar 20, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can Vanguard roll a pention plan to Roth IRA directly?
Replies: 18
Views: 1156

Re: Can Vanguard roll a pention plan to Roth IRA directly?

Just talked to a rep from Vanguard. I was told that I need to roll over my pention plan to a Tradtional IRA first then convert the TIRA to Roth IRA. Just want to see if anyone did the conversion with Vanguard and confirm if the rep gave me the correct info. Thanks. My husband had a pension plan whi...
by OnTrack2020
Mon Mar 20, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Looking to Switch from FSA to HSA, Questions
Replies: 1
Views: 104

Looking to Switch from FSA to HSA, Questions

Hi, first-time poster.....somewhat of a long-time lurker. My husband is 58, I'm 53. We have 4 children---around junior high age to freshman in college. We have had an FSA for several years. Our youngest child has had multiple surgeries over the years, and this year will be the final year for surgery...

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