Dear John: Please help my husband. I’m writing on his behalf.

He purchased a secondary insurance policy from United Healthcare, through AARP, because we are getting swamped with bills. He had nine stents put in his heart.

Then he developed Parkinson’s Disease.

He’s also had foot trouble for quite a while. We received a letter from United Healthcare saying it would not pay for his foot care bills because it is a pre-existing condition. I thought a law was passed saying that it had to pay — no such thing as a “pre-existing condition.”

Why are we paying extra for health insurance when it won’t pay our health care? He now needs eye surgery and we are worried.

We have been sending payments to the hospital. Now we received a letter from a collection agency. Can they do that? D.D.

Dear D.D.: Your husband certainly is keeping the doctors busy.

Yes, under ObamaCare — formally called the Affordable Care Act — insurers are not allowed to deny you coverage or charge you more because of an existing condition.

As you know, I called United Healthcare and the company says it straightened everything out with you. I’d like to hear you confirm that, but I haven’t been able to reach you by phone.

United Healthcare was very helpful in this matter and acted quickly.

The company said it doesn’t know why the collection agency contacted you, but it is checking. It doesn’t believe it has anything to do with its coverage.

Feel free to contact me if you have any other concerns.

Dear John: I’m sorry, but I have to disagree with the letter from J.R. in your Oct. 16 column.

I work in a payroll department, and have had employees call me to request copies of their W-2 for prior years.

The only way I will send them a copy is if they verify their Social Security number verbally or via e-mail. If I send one without verification, then I put the employee at risk of identity theft by sending a document that has their Social Security number listed to someone who is posing as the employee.

To say “never put your Social Security number in an e-mail or give it out over the phone” should apply to giving it to people from questionable sources. I would appreciate some clarity on this subject. M.B.

Dear M.B.: That makes sense. Thanks.

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