Tuesday, June 17, 2008
Phoenixville free health care
Babies.... Healthy Start ( I only have their west chester number
610-344-5370
Dental and Optical Community Health Care Access 610-935-3165
Insurance! catastrophic...check with Community Health Care access.
Also, you can apply for Chip, which has the same insurance I do, but the
gov't subsidizes it based on your income.
As far as hospital and regular medical, the Clinic in phoenixville
610-935-1134 provides routine medical for a donation for those who are
uninsured.
If you ever have to go to the hospital for major medical, their are two
things you should do immedeatly. Tell them you are uninsured, and ask
about their charity policy and apply for medical assistance to take care
of the bills. This needs to be done within 30 days.
Health Care Access -
(610) 935-3165 www.phcafoundatiohn.org
Community Medical & Dental Center
Collegeville, PA 19424 = 610-489--1313
Harcum College Cohen Dental Center 610-526-6110
Discounted Exams and Cleanings ($10-$20)
and the remainder are:
Community Volunteers in Medicine - West Chester (610) 836-5990
(chester county residents only - must be employed/disabled)
Health Care Access Dental Prog. (610) 935-3165 (think you tried these guys)
Norristown Health Center 610-278-7787
sliding fee for uninsured
Community Health and Dental Care - Pottstown 610-326-7405
sliding fee for uninsured, accept MA and insurance
Montgomery County Community College Dental Clinic, Blue Bell (215) 641-6483
University of PA Dental School Clinic - Philadelphia (215) 898-8965
Temple University School of Dentistry - Philadelphia (215) 707-2900
Phila. Comm. College - Philadelphia (215_ 751-8625)
Free cleanings only (closed during summer)
610-344-5370
Dental and Optical Community Health Care Access 610-935-3165
Insurance! catastrophic...check with Community Health Care access.
Also, you can apply for Chip, which has the same insurance I do, but the
gov't subsidizes it based on your income.
As far as hospital and regular medical, the Clinic in phoenixville
610-935-1134 provides routine medical for a donation for those who are
uninsured.
If you ever have to go to the hospital for major medical, their are two
things you should do immedeatly. Tell them you are uninsured, and ask
about their charity policy and apply for medical assistance to take care
of the bills. This needs to be done within 30 days.
Health Care Access -
(610) 935-3165 www.phcafoundatiohn.org
Community Medical & Dental Center
Collegeville, PA 19424 = 610-489--1313
Harcum College Cohen Dental Center 610-526-6110
Discounted Exams and Cleanings ($10-$20)
and the remainder are:
Community Volunteers in Medicine - West Chester (610) 836-5990
(chester county residents only - must be employed/disabled)
Health Care Access Dental Prog. (610) 935-3165 (think you tried these guys)
Norristown Health Center 610-278-7787
sliding fee for uninsured
Community Health and Dental Care - Pottstown 610-326-7405
sliding fee for uninsured, accept MA and insurance
Montgomery County Community College Dental Clinic, Blue Bell (215) 641-6483
University of PA Dental School Clinic - Philadelphia (215) 898-8965
Temple University School of Dentistry - Philadelphia (215) 707-2900
Phila. Comm. College - Philadelphia (215_ 751-8625)
Free cleanings only (closed during summer)
Taxes
Turbo Tax Basic
File foreign earned income and up to 85k is reduced. Can file back 2 yrs or up 20 to apply deductions to other years.
If filing as clergy you can deduct housing but must fill out the self employment tax form.
June 15, 2008: Deadline to file an extension for federal return. If you reside outside the US on 4/15/2008 you have an automatic extension until June 15, 2008 to file your US federal return. If you owe any tax, interest will accrue from 4/15/08. If you need to file an extension you can visit www.officialpayments.com and file a Form 4868 and make an estimated payment.
Q1 It seemed like I owed taxes if I filed as clergy and received a refund if I filed regular. If I can have all my income taken off by the foreign earned income it seems to hurt to file as clergy. Is there any advantages to filing as clergy? I was just wondering if there were any changes I should make for next year. I don’t think you were officially considered “clergy” until January 2008, even though you received your first housing allowance in December. So you’re probably best to file “regular” for 2007. That will change for 2008 and all your social security withholding will be considered self-employment tax. It doesn’t really change anything financially for you, but it changes your tax return quite a bit. So for 2007, go with the regular status. I probably confused the issue with my earlier emails.
2 social security did not seem to change no matter how I filed. We payed 1,600 in ss. Do you know how that works? That was withheld from your pay in 2007 and sent to the Social Security Administration – which was the correct thing to do until you were officially considered clergy. For 2008, as clergy, you are exempt from social security taxes, but have to pay self-employment tax instead. Financially, it’s the same difference, but the IRS collects the self-employment tax so it’s reported on your 1040 tax return. You’ll still get credit for it in determining your social security benefits.
File foreign earned income and up to 85k is reduced. Can file back 2 yrs or up 20 to apply deductions to other years.
If filing as clergy you can deduct housing but must fill out the self employment tax form.
June 15, 2008: Deadline to file an extension for federal return. If you reside outside the US on 4/15/2008 you have an automatic extension until June 15, 2008 to file your US federal return. If you owe any tax, interest will accrue from 4/15/08. If you need to file an extension you can visit www.officialpayments.com and file a Form 4868 and make an estimated payment.
Q1 It seemed like I owed taxes if I filed as clergy and received a refund if I filed regular. If I can have all my income taken off by the foreign earned income it seems to hurt to file as clergy. Is there any advantages to filing as clergy? I was just wondering if there were any changes I should make for next year. I don’t think you were officially considered “clergy” until January 2008, even though you received your first housing allowance in December. So you’re probably best to file “regular” for 2007. That will change for 2008 and all your social security withholding will be considered self-employment tax. It doesn’t really change anything financially for you, but it changes your tax return quite a bit. So for 2007, go with the regular status. I probably confused the issue with my earlier emails.
2 social security did not seem to change no matter how I filed. We payed 1,600 in ss. Do you know how that works? That was withheld from your pay in 2007 and sent to the Social Security Administration – which was the correct thing to do until you were officially considered clergy. For 2008, as clergy, you are exempt from social security taxes, but have to pay self-employment tax instead. Financially, it’s the same difference, but the IRS collects the self-employment tax so it’s reported on your 1040 tax return. You’ll still get credit for it in determining your social security benefits.
International insurance
Check out:
TTC- www.talent-trust.com
IMG- www.imglobal.com
Multinational Underwriters http://www.mnui.com/index.asp
Omega?
Q1 I need health insurance, do you know of a good cheap plan? I am looking into a few now but wondered if you knew of any. “Good cheap health insurance” are words that can’t be put in the same sentence. However, CAI does have two companies that other missionaries use. Talent Trust (www.talent-trust.com) and IMG (www.imglobal.com). When I was living in France I used IMG. Check out their websites to get quotes. We also have a group plan with IMG, but it typically is much more expensive. Contact Lauri in the US office for those rates.
2 Can health insurance come direct from our CA account? would there be any tax advantages to doing it this way?\ With Talent Trust that’s no problem. If you end up with an IMG individual plan (as opposed to the CAI group plan), I think you have to pay IMG with a credit card and get reimbursed. VQ seems to treat some of these reimbursements as taxable and some not...so it gets trickier. If you get that far with them, let me know and we’ll work with Keith to get the payment made.
TTC- www.talent-trust.com
IMG- www.imglobal.com
Multinational Underwriters http://www.mnui.com/index.asp
Omega?
Q1 I need health insurance, do you know of a good cheap plan? I am looking into a few now but wondered if you knew of any. “Good cheap health insurance” are words that can’t be put in the same sentence. However, CAI does have two companies that other missionaries use. Talent Trust (www.talent-trust.com) and IMG (www.imglobal.com). When I was living in France I used IMG. Check out their websites to get quotes. We also have a group plan with IMG, but it typically is much more expensive. Contact Lauri in the US office for those rates.
2 Can health insurance come direct from our CA account? would there be any tax advantages to doing it this way?\ With Talent Trust that’s no problem. If you end up with an IMG individual plan (as opposed to the CAI group plan), I think you have to pay IMG with a credit card and get reimbursed. VQ seems to treat some of these reimbursements as taxable and some not...so it gets trickier. If you get that far with them, let me know and we’ll work with Keith to get the payment made.
Subscribe to:
Posts (Atom)
