The company I work for is taking taxes out of my paycheck but has not asked me to complete any paperwork or fill out any forms since day one. How are they paying taxes without my SSN?

WHOA! You may have a BIG problem. When you started, are you certain you did not fill in a W-4 form? Are you certain that your employer doesn’t have your SS#? If that’s the case, I would be alarmed. Do you have paycheck stubs showing how they calculated your withholding? ( BTW you are entitled to those under the law, and if you are not receiving them, I would demand them….)If your employer is just giving you random checks with no calculation of your wages and withholdings, you have a rogue employer. They probably aren’t payin in what they purport to withhold from you.

Can I fill my prescription on the fill date if I filled my last 30 day prescription 17 days ago? I understand my insurance won't pay for it, but is it possible to pay for it out of pocket?

is a controlled substance…CONTROLLED. SUBSTANCE.So every pharmacist is going to CONTROL when and how often a prescription is filled…. and it won’t happen 2 weeks before youre due I can promise you that.To go a little further, WHEN you can get it filled is literally up to the pharmacist… some are more strict than others. I’ll hold patients to two days before they’re due just for convenience purposes. Not too early. Not to the day. But I will be looking at your refill history because if you consistently show up 2 days early every time I’ll hold you to the day after that since technically you should have a few extra.Since we, the pharmacists, are essentially the gatekeepers to use and abuse, we seriously look at refill histories. We will report irregularities to your MD. To get something early you need a legit excuse as to why… and the reason for the early fill needs to come straight from your doctor. And any excuse just won’t do, that doc better have a valid reason why… because no doctor can tell a pharmacist when to dispense a controlled substance.In short, you MAY get it early but only with a valid excuse from your doctor… and paying cash is not happening unless you somehow scam us… in which case you may end up in more trouble than they’re worth.

How long does it take for an insurance company to find out about a speeding ticket?

They may never learn of it. Most insurance companies are extremely cautious when taking on a new customer. However, once they have that customer they tend to focus more on the actual driving experience (aka accidents, payment history and or claims) rather than their Motor vehicle record.Motor vehicle records are expensive, therefore most companies do not routinely rerun your report each year, especially if you have a good record with the company. This is not true of every company, and it is not true if you have an unusual pattern of claims (My wife and I have had zero accidents in thirty years with one company, so I never worried when I got a speeding ticket a few years ago).Motor vehicle reports are extremely important when switching companies. They will run your report and get an accident record from a service which compiles claims data between companies. Most importantly they will usually run a credit report. This is probably the single most important factor in determining what your rate is, and for good reason. It is a better prediction of future claims experience than just about any other factor. But once again, most companies do not rerun credit reports on most existing customers.I recommend you find a good company with a good reputation (easily googled) and a fair rate compared to others. Then stick with that company until they lose your confidence (Which is hopefully never).

What are some reasons that a health insurance company would ask for a pre-authorization form to be filled out by a Dr. before filling a prescription?

One common reason would be that there is a cheaper, therapeutically equivalent drug that they would like you to try first before they approve a claim for the prescribed drug. Another reason is that they want to make sure the prescribed drug is medically necessary.Remember that nothing is stopping you from filling the prescribed drug. It just won't be covered by insurance until the pre-authorization process is complete.

How much time and money does it take for a new startup (<50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?

I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a signNow health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.

In Louisiana, can I fill my prescription on the fill date if I filled my last 30 day prescription 17 days ago? I understand my insurance won't pay for it, but is it possible to pay for it out of pocket?

No. It’s a controlled substance and you’re abusing the medication. It’s unreal the questions I get from ppl with Substance Use Disorder. Use caution be long term use at high doses can result in drug induced psychosis and a stay on a psych ward.

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Q: How much time and money does it take for a new startup (<50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?

I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a signNow health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.

Q: In Louisiana, can I fill my prescription on the fill date if I filled my last 30 day prescription 17 days ago? I understand my insurance won't pay for it, but is it possible to pay for it out of pocket?

No. It’s a controlled substance and you’re abusing the medication. It’s unreal the questions I get from ppl with Substance Use Disorder. Use caution be long term use at high doses can result in drug induced psychosis and a stay on a psych ward.

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