вЂњBeing able to recognize these telltale signs of a phishing or tax scam could save you from becoming a victim,вЂќ the IRS notes on its Tax Scam alert page. How Did We Get Here? In Dec. 2015, Congress passed a transportation bill – Fixing AmericaвЂ™s Surface Transportation Act – that included a provision requiring the IRS to use private collection agencies for the collection of outstanding inactive tax receivables. The program applies to any outstanding assessment which the IRS believes to be potentially collectible inventory. This will not include debts that are subject to installment programs, or if the taxpayer is deceased, under 18, in a designated combat zone, or the victim of tax-related identity theft. вЂњWe believe that requiring the use of private debt collectors to collect tax debts will harm taxpayers by exposing them to potential abuses that are unfortunately common with that industry,вЂќ the groups said in the letter.
вЂњIt will also disproportionately impact low-income taxpayers. Finally, the use of private collectors is a waste of taxpayer dollars, lining the pockets of private companies at the expense of the U.S. вЂў Federal law now allows the IRS to use private debt collectors to hunt down certain delinquent accounts, typically old debts from taxpayers who have been hard to locate. вЂў If your account is transferred to collections, youвЂ™ll get notices in writing from both the IRS and the contracted collector before anyone calls. вЂў These debt collectors must abide by rules limiting when. How they can call alleged debtors. You can also request to not work with the private agency. вЂў IRS debt collectors will never ask to be paid directly.
Cosmetic surgeryHealth insurance rarely covers cosmetic surgeries. Usually they must be for reconstructive purposes after an injury or due to a birth defect. They may also be covered if a doctor states that there’s a medical need for it such as a reconstruction of a clef palate. That means that the face lift or liposuction that you have your heart set on must be paid out of your own pocket. Non-traditional treatments Alternative. Complementary medicine often isn’t covered by health insurance. Alternative medicine is defined as treatments that are used in place of conventional medicine and complementary medicine refers to treatments and procedures that are used together with conventional medicine. These types of treatments include acupuncture, yoga, acupressure, massage and biofeedback. In some health insurance plans, even chiropractic treatments can fall under alternative medicine and therefore isn’t covered. These services often aren’t covered as they’re considered by health care companies as experimental or non-traditional in nature. Home care and private nursing care Home care and private nursing expenses are some of the most common expenses that aren’t covered under your insurance plan. According to the CDC there are over 1.4 million patients using home health care with the average patient needing at least 60 days of treatment.
This waiting period is imposed by the employer and is usually done to avoid hit and run behavior by their new employees, in which they file a large claim right after joining, and then quickly leave the company. Affiliation Period A waiting period that’s imposed by an HMO. Not an employer is referred to as an affiliation period. This type of waiting period can’t last longer than three months. Has specific rules attached to it. Pre-existing Condition Exclusion Period A pre-existing condition exclusion period is a type of waiting period that involves those who have a condition during the six months prior to signing up for health insurance. This type of waiting period means that your insurance coverage can be limited or excluded for any pre-existing condition. The length of this type of waiting period can vary from one to 18 months. However, once you’ve proven that you’ve had uninterrupted insurance previous to your current plan, this insurance coverage can be added up and credited toward any pre-existing condition exclusion you may have. In fact, if you had at least one year of group health insurance at one job and then received health insurance at a new job without a break of more than 63 days, the new health insurance plan can’t impose a pre-existing condition exclusion on you.
FFS plans allow you to go to the doctor, clinic or hospital of your choice. You pay the bill and then submit forms for reimbursement by your insurance company. There are a few requirements, however, before you get to the reimbursement stage. Deductibles are usually around $250 for an individual, but they can be as high as $10,000. The higher the deductible, the lower the premium. If you’re a very healthy person and don’t have any potentially dangerous hobbies, you can get away with a really low monthly premium by choosing a higher deductible. However, you’ll have to live with the realization that you might have to pony up a big chunk of cash in the event you get seriously sick or injured. No plan covers everything, so you have to read the policy to ensure that it meets your needs. In many cases FFS plans focus on treating health problems rather than preventing them. Therefore, these plans don’t usually cover annual check ups and other “well” doctor visits you might have. Families in particular can rack up a lot of expenses just in annual physicals and check ups. FFS plans may also limit the number of days you can stay in the hospital and still receive coverage. FFS plans are typically more versatile than other types of plans.
The flip side of this is that the insurance policy itself will have a lifetime (your lifetime) cap. That means that when your bills reach a certain amount (usually $1 million or above) the insurance company won’t pay anymore. For some policies there may be a cap for the year or for a specific illness claim. At this point you may have to get insurance through a different company. Recently some FFS plans have begun operating more like managed care plans. For example, they may require that you pay a deductible and 20 percent of the charges, but there may also be co-pays for doctor visits and other services. However, premiums for FFS plans are often fairly low compared to managed care plans.
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