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Thank you, Ivinsfan. The billing person was lovely and willing to do whatever she could to facilitate the application for an exception from the insurance company. I didn't think to ask her for a reduced rate, but will certainly do so if we don't get anywhere soon. I realize that none of our...

No, I haven't asked for a reduced rate and frankly never thought of that. I did just talk to the billing person at the provider's office and found out that they aren't in-network with any insurance for the therapy he's getting. They had two suggestions: 1. Ask our insurance for an exception...

Thanks so much to everyone who responded so far. I'm going to dig into the NJ resources referenced by EasWest Gal for sure. I'll also call the provider's office to find out whether they are in-network with any insurance companies. I was unaware about the Medicare possibility for my grandson...

Cigna not necessary I only mentioned Cigna because that's the company that sponsors healthsherpa.com, which was recommended as a place to start investigating. She can go with any company available that suit their needs. I understand about waiting until open enrollment in November. We're...

Thanks for the healthsherpa.com. When i went to the site and plugged in the zip, they (Cigna) have not plans in the relevant zip code. I appreciate the direction to try and welcome any other ideas.

Hello, I am not at all familiar with ACA coverage choices, since my husband and I are on Medicare with a Plan G supplement. My daughter and her husband have an ACA Silver plan, which does not reimburse for any out-of-network health care provider. Their son has recently been diagnosed as on the...

I had luck with a Chillow Menopause was pretty mild for me, but I did have night sweats for some time. The thing that helped me the most was using a Chillow, which is a pillow insert with gel that gets and stays cold for some time. It allowed me to go back to sleep when a flash hit me. Here's...

Thank you, Miss Molly. I guess we'll have DH file and suspend before the end of the six month period anyway, and then see what's what when I turn 66. It may be worth it for him to start collecting two years early, so that I can get the spousal benefit until I'm 70. We'll see what the state of...

Help with one more scenario, please I would appreciate opinions as to my situation: 1. Husband is 66 and has not filed. Plans to claim his benefits at age 70. 2. I am 63 and have not filed. Also plan to claim my own benefits at 70. If DH files and suspends within the six month period, can I...

I've had three Prolia injections so far - once every six months, and it's the first treatment that has improved my very low bone density. No side effects whatever (that I am aware of) and it's a very easy treatment. Fortunately, my BCBS health insurance covers almost all of this very expensive...

I flew in 2013 on LAN from Chile to New York in a business class seat. It was the best flying experience I've ever had. Very roomy and luxurious. Been looking for another opportunity to fly a 787 ever since.