Insurance questions!!!

[JeffR]

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Originally Posted by Brittney047

I have been researching the other DR you commented on in Germany. It looks to me like there is alot of competition going on there. After your comment, I have been stressing if I made the right choice, but I haven't actually seen anything terrible that he has had for outcomes yet. I"m new to this support group though and am still getting used to the site. The other hospital has a lot of bad talk to Stenum hospital, and it seems really unprofessional. Now I don't know what to think!

Brittany,

Search the newsgroups here for ritter-lang and you will find examples of failed adrs, there was someone who posted yesterday that they had a failure due to facet problems that weren't identified beforehand. I can't stress enough there are much better surgeons out there at the same price or less, e.g. Clavel. Please look at more options I would hate for you to be a statistic.

[TPatti]

Originally Posted by NJ Gene

I need to make clear what I told Lillyth. Tax Deductible means a reduction of income that you are reporting to the IRS. It's not a tax credit where you get back dollar for dollar everything you spend. Think of mortgage interest. Every dollar you spend is deductible on Schedule A of your tax return. This reduces your taxable income. However, the actual dollars you get back from the government is based on your tax bracket (i.e. if you have $20,000 in mortgage interest and are in the 25% tax bracket, it's like you're getting back $5,000.00 from Uncle Sam). With respect to surgery overseas, you get to deduct medical expenses that are above 10% of your adjusted gross income. Here's an example. Say you and your husband have an AGI of $100,000 Let's say your surgery and travel costs run $40,000. This means $30,000 of this [10% of $100,000 is $10,000; $40,000 - $10,000 = $30,000] can be deducted on Schedule A and you will effectively get back $7,500 to $10,000 from Uncle Sam. My example is simplified. Most people never meet the 10% threshold unless they pay for major surgery overseas. However, once you meet this threshold, you can add every medical cost onto your Schedule A that you wouldn't bother to report normally (every doctor copay, every prescription drug copay, any mental health provider, acupuncturist, massage therapist, or medical expense not reimbursed by insurance, and any other elective surgery that is not considered cosmetic). This could make it so that your surgery is effectively covered 40% by Uncle Sam. Sorry if I may have mislead you Lillyth. However, you will most likely get a very large tax refund next year (just not dollar for dollar what you spend overseas).

NJ Gene,
Do you know if vitamins & supplements count towards deductible medical expenses?

[NJ Gene]

TPatti,

Vitamins & Supplements is a grey area. If you can get a medical professional (it can be a doctor, nutritionist, holistic medicine provider, etc) to put it in writing, then I would go ahead and deduct it (i.e. a doctor writes on a prescription pad to purchase certain over-the-counter meds).

Any written documentation is key. I hope that helps.

Gene