Kiplinger has advice on on how to maximize your medical expense deductions at tax time. You can only deduct out-of-pocket expenses that exceed 7.5% of your adjusted gross income, so you should try to bundle medical procedures in the same year if possible.
If you’re trying to get your mortgage modified or just a question answered but find yourself stymied by your loan servicer’s slow or lack or response, you can write what is termed a qualified written request (QWR) under section 6 of Respa, The Real Estate Settlement Procedures Act. Under federal law, they have to acknowledge the letter within 20 working days and respond in 60. Inside, a template to follow for drafting a QWR…
Fertility treatment is crazy expensive and there are no guarantees, but a recent NIH-sponsored study “concluded that women who were fast-tracked to IVF [in vitro fertilization] got pregnant three months faster on average, and spent $10,000 less than those who went through the usual preliminaries.” The conclusion: it may not be wise for insurers to require women to run the gauntlet of other treatments before trying IVF.