Aaelogoavitar2_medium Health Insurance Literacy

This group answers questions relating to the Affordable Care Act and its effect on people's personal finances. We help people to make informed health insurance choices and to plan for health care costs.

See what people are saying on YouTube!

(This group currently has 14 experts available to answer questions)

Questions asked to this group

FMLA and short-term disability

Hello I've been on short term disability since 7:16 2018 my FMLA expired on 10:5 2018 I have 3 weeks to return back to work the employer has informed me that my position may not be available because FMLA is no longer protecting it but I also believe that they piggyback my FMLA on top of this short-term disability ran consecutively is that legal in the state of Nevada. My understanding was that short term disability ran for 12 weeks and then that extinguished FMLA kicked in for 12 weeks. My insurance provider for that is a Liberty Mutual

Lyon County NV Posted about 1 month ago

Red mold on a corkscrew willow

My corkscrew willow has red jelly fungus on the trunk and leaves have been turning yellow and falling off. I have used a fungicide which seems to have curtailed the fungus somewhat. Any thoughts on fixes or likely problems and/or ramifications of this activity

Cumberland County PA Posted 4 months ago

Diplodia tip blight (INJECTION vs SPRAYING) treatments

Hello. We have eleven (diseased) pine trees on our Condo Association Commons area. Two arborist services have given a diagonis of diplodia tip blight. Treatment by company (a) said they would INJECT a solution into the cambria around the base of the tree one foot above the ground.The injected solution would then be taken internally to help the tree. Cost starts at $112 per (6" diameter) tree. Application would last two years. Treatment by company (b) said they would SPRAY all eleven for $175 ($16 per tree). Three separate applications will be needed. Because our trees are in such a bad condition, a yearly spraying program would be appropriate until the disease gets under complete control. We are trying to make an informed decision. The cost-only approach says company (b) should be selected. Unfortunately, we are uncertain about the optimum PROVEN effectivess of SPRAYING verses INJECTION. Request your insight.

Wayne County MI diplodia Posted about 1 year ago

Tree of Heaven explosion!

What is the best way to eradicate seedlings! Capstone, Vastlan, and Garlan 4 ultra have all been suggested. Are these say for home use in a lawn? If a commercial application is needed, what type of company should I look for? Thank you!

Washtenaw County MI Posted over 1 year ago

Tree of heaven explosion

How to eradicate seedlings. Capstone, vastlan, Harlin 4 ultra are all suggested. Are the safe for home use? I can't find a place to buy them. Do they need a commercial application? If so what type of company should I look for?

Washtenaw County MI Posted over 1 year ago

i think i purchased fake health plan

Good afternoon, dear expert! My name is Shuuder Sharavsengee and i'm an international student here. Every international student needs to have health insurance and my school insurance told me their plan was around 2,000$ until August. They told me i can waive the insurance if i have another health insurance which should meet certain requirements. I thought its pretty pricey and bought health insurance from "isoa.org". However, i heard there are lots of fake health insurance plan. How can i know this website is safe? Thank you

Arlington County Virginia Posted almost 2 years ago

insurance dilemma

I am currently pregnant. My birthday is in May, and I will turn 26. Baby is due in Feb/March. My parents insurance will NOT cover the baby after the hospital visit. So my boss has enrolled me and paid for the premium in the marketplace (with caresource) starting January for both my husband & I, and so I can add our baby once she is here. Now, my parents could not REMOVE me early from their policy without being penalized and paying even more for my sister until I age out, which again is in may. So my name will remain on the policy until then. NOW, should I began just using ONLY the caresource from marketplace as my primary come January since it is in my name? Or do I use both, as a primary and secondary until may comes just for myself? With this benefit me or disadvantage me???

Cuyahoga County Ohio Posted almost 2 years ago

Health care

I am 22 years old, recently married and in college. My father kicked me off his health plan. I do not want insurance because I do not really want it right now nor do I want any extra payments that I cannot afford. So my question is how can I get around the health care penalty, without getting coverage? We all know this law is unconstitutional and not what this country was founded on. All this does is put college kids like me in a tough spot when trying to go to school and pay for books and room and board when your parents kick you off because you no longer live with them and married. So with that being said, what are my options.

Ohio personal finance health insurance Posted about 2 years ago

Fungi on Corkscrew Willow

I have a 15 year old cork screw willow that has developed several shelf-like mushrooms growing up the trunk of the tree. I have done a bit of research that leads me to believe this is a sign my tree may be dying from rot on the inside. Is this true? Is there a possible say to save the tree?

Webster County Iowa Posted about 2 years ago

Arborvitae Trees

I noticed this not in the gardening section....please disregard this questions. Sorry for the mix up


Hello, I planted a few arborvitae trees last year and was looking at them in some detail today and noticed the tips looked a little different. I was wondering if this is normal during new growth or if something is going on that I'm not aware of. Any info you can provide is greatly appreciated.

Isabella County Michigan Posted over 2 years ago