Search found 1255 matches

by southerndoc
Sat Nov 24, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) and Separate Checking Account
Replies: 3
Views: 399

Solo 401(k) and Separate Checking Account

I was reading about contribution information for a newly established solo 401(k) and stumbled on this: https://www.mysolo401k.net/solo-401k-sub-accounts-separate-bank-accounts-required/ These states that separate bank accounts are required for contributions. I have a business checking account, but I have not established an account exclusively for my Solo 401(k) that I just opened. I have yet to make a contribution. I have previously used a SEP which didn't seem to have the same amount of rules. Am I reading this correctly that I need 2 business checking accounts: one for general business purposes and a second just for 401(k) contributions? Or does this apply only to those with employees? I am a sole proprietor/independent contractor who is ...
by southerndoc
Sat Nov 24, 2018 12:27 pm
Forum: Personal Investments
Topic: Solo 401K
Replies: 19
Views: 1970

Re: Solo 401K

I was confused when it showed up in my Fidelity profile as a Profit Sharing Keogh. I called them to make sure it was a SE 401(k). The rep said they all show up that way and it was going to cost >$1 mil to fix it in their computer system so they just let it be since technically it's a form of a Keogh.
by southerndoc
Sat Nov 24, 2018 9:55 am
Forum: Personal Investments
Topic: Solo 401K
Replies: 19
Views: 1970

Re: Solo 401K

No, I'm self-employed. I'm the employee as well.

Sorry, I think I hijacked the OP's thread. :O
by southerndoc
Fri Nov 23, 2018 11:31 pm
Forum: Personal Investments
Topic: Solo 401K
Replies: 19
Views: 1970

Re: Solo 401K

To make a contribution election as an independent contractor (not incorporated), do I need to fill out a form to maintain for my records? Or is just something I type up and sign to contribute $18,000 for 2018?
by southerndoc
Fri Nov 23, 2018 7:40 pm
Forum: Personal Investments
Topic: Solo 401K
Replies: 19
Views: 1970

Re: Solo 401K

I'm still not following you. Do you mean "you must make an employee elective contribution election by 12/31" to mean that you have to inform your employer (in this case me) how much I want to contribute? If so, how does the IRS keep track of this?
by southerndoc
Fri Nov 23, 2018 11:02 am
Forum: Personal Investments
Topic: HSA contribution limit after changing jobs mid year
Replies: 7
Views: 732

Re: HSA contribution limit after changing jobs mid year

You can make contributions yourself. I'm not sure on timing limits. It probably needs to be open by 12/31/2018. You can fund it up until your tax deadline. I would recommend opening now and funding when you file taxes (or funding now if you have the money).

The IRS does not limit the number of HSA's you have. Only your contributions are limited. I opened mine at Fidelity, just sent in $2000 contribution (my contributions from my PEO are not up to the family limit), and instituted a rollover from HealthEquity. My PEO will continue to make contributions to HealthEquity because they have their contract with them.
by southerndoc
Fri Nov 23, 2018 8:24 am
Forum: Personal Investments
Topic: HSA contribution limit after changing jobs mid year
Replies: 7
Views: 732

Re: HSA contribution limit after changing jobs mid year

If you have a qualified HDHP plan the last month of the year and are not also covered by a traditional plan, then you can max out your contribution as long as you maintain a qualified HDHP plan in every month of the remaining year.

https://www.hsaedge.com/2014/03/25/hsa- ... explained/
by southerndoc
Fri Nov 23, 2018 8:19 am
Forum: Personal Investments
Topic: Solo 401K
Replies: 19
Views: 1970

Re: Solo 401K

Spirit Rider wrote: Thu Nov 22, 2018 12:04 pm Your son can still adopt a one-participant 401k plan for the 2018 tax year. He must adopt the plan and make an employee elective contribution election by 12/31/18. As long as he meets these deadlines he can select an effective date of 1/1/18 in the adoption agreement. This allows him to base his contributions on the full year's activity.
Can you elaborate on this? Can you adopt the plan but wait until 1/1/2019 to make contributions or must you start contributions in the year the plan is established?
by southerndoc
Mon Nov 19, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1252
Views: 193644

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Spoke with a representative from HealthEquity this evening. The guy said they do not charge for transfers out. He said they view it as equivalent to a distribution - it's the customers money, not their money.

I'm waiting to hear from my PEO to see if I can have funds deposited into Fidelity instead of HealthEquity. If not, then I'll transfer money from HE to Fidelity every 6 months or so.
by southerndoc
Sun Nov 18, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Self-Employed 401(k) and Prior Year Contributions
Replies: 3
Views: 438

Re: Fidelity Self-Employed 401(k) and Prior Year Contributions

My income allows me to max employer contributions.

So I can just make a standard employer contribution in 2019 and claim it on my 2018 taxes without any additional paperwork? I'm planning next year to start making same year contributions as well. I'm sure it'll trigger an IRS alert when I make 2 max contributions in the same year, but one will be for the prior year.
by southerndoc
Sun Nov 18, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1252
Views: 193644

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Debit cards are available for those that don't want to use their credit cards: https://www.fidelity.com/static/moneymo ... ways.shtml

Unfortunately my open enrollment for 2019 has already closed. I had elected to put $290 every 2 weeks into my Health Equity HSA. I can't change it. I have $2k remaining for 2018 and will fund the Fidelity HSA that way. I will transfer/close my Health Equity account at the beginning of 2020 and elect not to have any funds withheld in 2020 since my PEO won't fund Fidelity's HSA (they have a contract with Health Equity).
by southerndoc
Sun Nov 18, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Self-Employed 401(k) and Prior Year Contributions
Replies: 3
Views: 438

Fidelity Self-Employed 401(k) and Prior Year Contributions

Regarding Fidelity's Self-Employed 401(k), I found on the contribution form where you can make employee contributions as prior-year contributions, but I do not see where you can make employer/profit sharing contributions as prior year contributions.

Is there a way to make prior year employer contributions?
by southerndoc
Fri Nov 16, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1252
Views: 193644

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I opened my Fidelity account, but the site is a little cumbersome to find answers to things.

1. How do I request an HSA debit card? I also need one for my wife.

2. Is there a way to automatically invest funds when you make deposits?

3. Will Fidelity automatically sell funds to cover costs or is there a cash balance that must be maintained?
by southerndoc
Thu Nov 15, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1252
Views: 193644

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

My payroll deductions only contribute $4800 this year. I think I may open a Fidelity HSA and contribute the remainder with them, which I had planned to do in December with HealthEquity.

I emailed my PEO to see if we are required to use HealthEquity or if our HSA contributions can be sent to another custodian (Fidelity). Not sure what their response will be.

If Fidelity doesn't have any fees, then I find it very hard for the other HSA's to continue to do so.
by southerndoc
Thu Nov 15, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k - Maximum Contribution vs. Maximum Deductible Contribution
Replies: 9
Views: 571

Re: Solo 401k - Maximum Contribution vs. Maximum Deductible Contribution

It's your maximum employer contribution. Your employee contribution can be up to 100% of your income up to $18,000 ($24,000 if >50 years of age). The employer contribution is the limit that you are describing. A SEP may allow you to make a non-deductible contribution in addition to your maximum deductible contribution, but you would be a fool to do so because trying to figure out what is taxable and what isn't would be extremely complicated. You can max out your Solo 401(k) based on your SE income and then make an IRA contribution. You can deduct the IRA contribution unless your income is too high. In that case, you can make a non-deductible contribution and do an immediate Roth conversion (before you can make earnings and then have a tax b...
by southerndoc
Wed Nov 14, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Blue Cross, Blue Shield dental plans
Replies: 7
Views: 1248

Re: Blue Cross, Blue Shield dental plans

Yes. It's a dentist we absolutely love. We've been using him since before our insurance. They pay some, but it's minimal. I keep the insurance because it's deductible (independent contractor) and for major dental work. I'll probably go to an in-network provider if I knock out 5 teeth and need repair work.
by southerndoc
Wed Nov 14, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1252
Views: 193644

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

You may already know, but do you save the payroll taxes if you make the contribution through work? Generally at relatively high pay levels extra payroll tax contributions aren't worth it as an investment, so saving the payroll taxes through payroll deduction of HSA contributions is a nice add-on. I'm an independent contractor. I had to join a PEO in order to obtain health insurance. In that case, would there be any issues where the contribution through PEO is deductible as a business expense before calculating self-employment tax, while the Fidelity HSA would only be deductible on income tax? That would seem to be an even bigger swing. Last year was the first time I had signed up for the PEO. I did my own taxes with TurboTax and never thou...
by southerndoc
Wed Nov 14, 2018 1:41 am
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 6
Views: 923

Re: HSA question

Any prescription medication is OK with an HSA. This includes normally over-the-counter medications if your physician writes a prescription for it (Prilosec, Claritin-D, etc.).
by southerndoc
Wed Nov 14, 2018 1:37 am
Forum: Personal Consumer Issues
Topic: Blue Cross, Blue Shield dental plans
Replies: 7
Views: 1248

Re: Blue Cross, Blue Shield dental plans

Seems decent. I have it, but we rarely use it because we go to an out-of-network provider. Pretty cheap to cover catastrophes.
by southerndoc
Tue Nov 13, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1252
Views: 193644

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

petulant wrote: Tue Nov 13, 2018 4:56 am You may already know, but do you save the payroll taxes if you make the contribution through work? Generally at relatively high pay levels extra payroll tax contributions aren't worth it as an investment, so saving the payroll taxes through payroll deduction of HSA contributions is a nice add-on.
I'm an independent contractor. I had to join a PEO in order to obtain health insurance.
by southerndoc
Tue Nov 13, 2018 1:05 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1252
Views: 193644

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I have Health Equity's HSA. Not a huge fan of them, but fees are reasonable ($2.50/month with discount from my PEO-based health insurance). Would be nice if Fidelity doesn't charge too much. If cheaper than $2.50/month, I would likely transfer mine. You'd transfer an account for a quarter a month? You're likely to lose years worth of fee savings in the couple of weeks it takes to transfer the money. This is like transferring to save 0.01% on a fund ER. At a certain point, you've just got to acknowledge that you've got the fees low enough and move on to something else like earning more money at work. No, I'm talking about moving everything to Fidelity and make contributions directly to Fidelity. The PEO-insurance contributions are mine. I c...
by southerndoc
Mon Nov 12, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1252
Views: 193644

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

b0B wrote: Mon Nov 12, 2018 5:50 pm With HealthEquity, the $2.50/month=$30/yr is not the biggest problem. It's the 0.40%/yr wrap fee on investments. If you have $50k, then that's $200/yr. My employer uses HealthEquity, and I transfer out to another HSA (Select/Further). I expect lots of people here do similar.
Do you transfer out with each contribution?
by southerndoc
Mon Nov 12, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: New State Farm Coverages
Replies: 61
Views: 31019

Re: New State Farm Coverages

This sounds too good to be true. I have 3 AC's in my house. If one goes out with this plan, I would only pay the $500 deductible and it doesn't affect my insurance rate? Something doesn't seem right.
by southerndoc
Mon Nov 12, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1252
Views: 193644

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I have Health Equity's HSA. Not a huge fan of them, but fees are reasonable ($2.50/month with discount from my PEO-based health insurance).

Would be nice if Fidelity doesn't charge too much. If cheaper than $2.50/month, I would likely transfer mine.
by southerndoc
Sun Nov 11, 2018 8:07 am
Forum: Personal Investments
Topic: Spouse IRA and Solo 401k
Replies: 2
Views: 315

Re: Spouse IRA and Solo 401k

If you have enough income (as a fellow EM doc, I'm pretty sure you do), then you can fully fund a non-deductible IRA (or IRA if income is low enough) for both of you (one for you, spousal IRA for her which is no different than a traditional IRA when you set it up). You can then convert both to a Roth IRA through backdoor approach. However, make sure you do it immediately and there are no earnings on your contributions or you'll have to pay taxes on that part of the conversion over your contribution. IRA contributions won't affect SEP or Individual 401(k) contributions for either of you. However, if she has a SEP or Individual 401(k), then only her business earnings can be counted. There may be a way to contribute to a SEP or Individual 401(...
by southerndoc
Sun Nov 11, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 78
Views: 10079

Re: Planet Fitness etc.,

My insurance includes a Tivinity Fitness Your Way membership for $25/month. I can go to pretty much any gym. I think they get $1 per visit. I've successfully used it at Planet Fitness, Anytime Fitness, and LA Fitness. Out of all, Planet Fitness seems to be the best -- less crowded, very clean, great equipment. LA Fitness has great equipment, but the place is crowded as all get out.
by southerndoc
Thu Nov 08, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 1517

Re: HIPAA Information available to out of town ER or not?

If it is directly related to patient care, then information can be shared among providers. However, without this consent, your physician likely will be reticent to do so. They have the opinion that it's required in order to share information.

I would sign it. You aren't signing something to allow them to publish your health record in your local paper.
by southerndoc
Thu Nov 08, 2018 1:44 am
Forum: Personal Consumer Issues
Topic: App or Online Document Storage
Replies: 7
Views: 711

App or Online Document Storage

climber2020 wrote: Wed Nov 07, 2018 7:59 pm Is scanning and shredding an option? I went paperless several years ago and it's been great. If I need hard copy of anything, which hasn't yet come up, I can print stuff as needed.

The few documents I still have (birth certificate, car title, etc) all fit in one of those small fire resistant boxes.
@climber2020 I started a new thread instead of hijacking the other one.

Which app or service do you recommend for storing everything, or do you store everything locally on your hard disk?

I had read some reviews about Neat, but haven't taken the plunge. I have a Brother MFC-L8900CDW printer that has a built-in scanner.

Thanks!
by southerndoc
Thu Nov 08, 2018 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 12310

Re: Amazon says TurboTax 2018 will be released November 12

Intuit automatically charges my credit card each year for the home/small business edition. I received an email last week that stated:

"You should get delivery of your software on or before November 21, 2018. Thanks for being a valued member of TurboTax Advantage—we appreciate your business and look forward to serving you again."

They charged a few days ago and the download link isn't working yet. I never have received a physical media for the software, so I'm assuming the 11/21 date is when the download link will become available.
by southerndoc
Wed Nov 07, 2018 10:09 pm
Forum: Personal Investments
Topic: EFTPS® vs. Direct Pay what's difference? Which one should I use for Roth conversion tax payment?
Replies: 10
Views: 1805

Re: EFTPS® vs. Direct Pay what's difference? Which one should I use for Roth conversion tax payment?

HueyLD wrote: Wed Nov 07, 2018 6:53 pm If your credit is frozen, you won't be able to use the Direct Pay. So, it will be a pain to have to unfreeze and refreeze every time.
I have my credit frozen and I've had no issue with Direct Pay.
by southerndoc
Wed Nov 07, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fees in Fidelity Solo 401k
Replies: 6
Views: 768

Fees in Fidelity Solo 401k

Can someone with a Fidelity Individual 401(k) answer a few questions?

I noticed there is a $4.95/equity trade fee. Is this waived with a certain balance? Does this apply to Fidelity mutual funds and ETF's?

Has anyone contacted Fidelity to get an estimate for when they will allow ACH transfers instead of requiring a check be mailed to them?
by southerndoc
Sun Nov 04, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Health Insurance Obtained through PEO
Replies: 5
Views: 842

Re: Deducting Health Insurance Obtained through PEO

The insurance is in the PEO's name with me as a listed insured.

Yes, the complexity has gone up tremendously, but there really wasn't any alternative.
by southerndoc
Sun Nov 04, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Health Insurance Obtained through PEO
Replies: 5
Views: 842

Re: Deducting Health Insurance Obtained through PEO

Complicated situation.

I'm an independent contractor (emergency physician). The PEO is a $2500 deposit then $2500 monthly. Health insurance is deducted along with HSA contributions, etc. and we are "paid" the remainder of what's left as a "salary." I do not receive a 1099 or W-2 from the PEO. Instead, I receive a K-1.

Unfortunately, this is the ONLY way I can obtain insurance where I live without signing up with Kaiser (who has no in-network facilities within a 30-mile radius of me).
by southerndoc
Sat Nov 03, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Health Insurance Obtained through PEO
Replies: 5
Views: 842

Deducting Health Insurance Obtained through PEO

As a self-employed individual (sole proprietor), how does one deduct health insurance obtained through a PEO that is reported on a K-1?

Thoughts on this? Is there anything special that needs to be done, or can I just plug the premiums into TurboTax just like normal deductions for health insurance for self-employed?
by southerndoc
Fri Oct 20, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 8
Views: 1406

Re: HSA question

My understanding is that you can use HSA funds you save while under the insurance even once you are no longer covered by the insurance later on. The only requirement limitation is that you can only open and fund an HSA while you have a HDHP. The eligibility for HSA expenses is determined by the IRS (https://www.irs.gov/pub/irs-pdf/p502.pdf) and appears to be detached from actually having insurance. So as long as you have enough funds in the HSA at the time you need to reimburse yourself, your insurance status or coverage for specific procedures doesn't seem to matter. I think you can open an HSA without a HDHP, but you can't fund it. A situation where this might occur is if you no longer have a HDHP and want to transfer your HSA from one c...
by southerndoc
Fri Oct 20, 2017 4:18 pm
Forum: Personal Investments
Topic: HSA fees??
Replies: 12
Views: 1699

Re: HSA fees??

The PEO I joined uses HealthEquity. $2.50/month. A little better than Bank of America's $4.50/month. HealthEquity has Vanguard funds available.
by southerndoc
Wed Oct 11, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 16514

Re: 2018 ACA costs arrived

Kaiser patients here are transferred frequently to in-network hospitals, sometimes over an hour away.
by southerndoc
Wed Oct 11, 2017 12:47 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 16514

Re: 2018 ACA costs arrived

I can't get individual insurance next year unless I go with Kaiser. Kaiser isn't that great in Georgia (not contracted with many hospitals). Blue Cross/Blue Shield, Humana, Aetna, and United all exited the individual market. A ton of small business owners and independent contractors will have only a single choice (Kaiser) unless they join PEO/ASO's.
by southerndoc
Sun Oct 08, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: SEP-IRA Transfer to HSA
Replies: 3
Views: 402

Re: SEP-IRA Transfer to HSA

Perhaps it's just best to make a contribution and take a double deduction. :)
by southerndoc
Sun Oct 08, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: SEP-IRA Transfer to HSA
Replies: 3
Views: 402

SEP-IRA Transfer to HSA

I'm going to be eligible 12/2017 for a HDHP with an HSA. From what I've read and the comments on here, as long as I have 12 months of HDHP coverage in 2018, I can fully fund my HSA for 2017 with only a single month of coverage (since it's the last month of the year). I am about to open a Fidelity Solo 401(k) and plan to rollover my Vanguard SEP-IRA into my Fidelity Solo 401(k). I recently found that I can transfer funds from an IRA into my HSA. I've thought of doing this from my SEP into my HSA since I'll be moving money anyways. Funds in the HSA can be taken out tax-free, whereas funds in the IRA must have taxes paid on withdrawals. (Yes, I'm aware the HSA requires qualified expenses.) Does the IRS specify what types of IRA's one can use t...
by southerndoc
Fri Oct 06, 2017 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Open/Transfer New HSA with Traditional Insurance
Replies: 6
Views: 728

Re: Open/Transfer New HSA with Traditional Insurance

I'm eligible because I'm joining a professional employer association (PEO). Unfortunately, as an independent contractor, it's about the only option I have to get an employer-sponsored health insurance plan. It's also the only option for non-Kaiser insurance since no other insurer is offering individual policies in my county.
by southerndoc
Thu Oct 05, 2017 9:40 am
Forum: Personal Investments
Topic: HSA fees??
Replies: 12
Views: 1699

Re: HSA fees??

I really wish Vanguard or Fidelity would offer them.
by southerndoc
Thu Oct 05, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Open/Transfer New HSA with Traditional Insurance
Replies: 6
Views: 728

Re: Open/Transfer New HSA with Traditional Insurance

Am I also correct that if I start the HDHP 12/1 that I can contribute the full family contribution for 2017 as long as I keep the HDHP the entire year for 2018? (I can contribute the full family amount for both 2017 and 2018 if I keep the coverage from 12/1/2017-12/31/2018)
by southerndoc
Wed Oct 04, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Open/Transfer New HSA with Traditional Insurance
Replies: 6
Views: 728

Open/Transfer New HSA with Traditional Insurance

I previously had a high-deductible health plan, but currently have a PPO. I have an HSA that I have funded through all the years while I had a HDHP. I would like to transfer my current HSA from Bank of America to Health Equity, who the PEO I'm joining has an agreement with for lower fees. I will have a HDHP again starting 1 January.

Do I need to wait until January before I can open the other HSA, or can I open the HSA now and transfer the existing funds (but not contribute any additional funds until 1 January with the new insurance takes effect)?
by southerndoc
Sun Apr 30, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 5299

Re: Deceptive Billing by Dermatologist?

windrose wrote:Your post brings up an interesting situation, though....if something cosmetic (not covered) has complications and turns into something that then requires medical treatment...is it covered by insurance? I do not know the answer to that.
I've never gotten a clear answer to this. As an ER physician, I see patients all the time who have post-op complications from surgical procedures. Everything from infections, intraabdominal abscesses, aggressive bleeding, hematomas, and pulmonary emboli. They often get admitted, and I'm sad to say I never hear if their insurance later found out it was a complication from cosmetic surgery and then refused to pay.
by southerndoc
Sat Apr 30, 2016 10:29 pm
Forum: US Chapters
Topic: new group-Georgia
Replies: 8
Views: 3301

Re: new group-Georgia

Kennesaw here
by southerndoc
Thu Dec 31, 2015 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Question RE: 529 Plans - Georgia
Replies: 10
Views: 1476

Re: Question RE: 529 Plans - Georgia

Why am I under the impression that you can only claim one $2k deduction per year (i.e., not per account)?

I didn't realize you could open accounts for yourself.
by southerndoc
Fri May 08, 2015 11:37 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 709
Views: 282917

Re: Forum software upgrade bug reports and change requests

Love the new forum upgrade.

Can we look into implementing:

Mark forums read option from the quick links menu? Would help to mark the forum read on the last page of new posts instead of needing to go back to the index page.

Quick reply option below each message?