Originally Posted by
Check Essential
In other words, they don't worship at the Church of Lee.
BINGO!!
Originally Posted by
Pineapple Guy
What account did you "set up to spread the deductible costs over the course of the year?" I didn't know we had any medical plans that did that, or why would you even want to?
I do it because with our Healthcare and the way its set up I'm forced to pay the full amount of the office visits until i meet the family deductible of 350 per person or 700 per family. I have young kids who go to the allergists and have to go to the doctor more often then older kids and adults. Therefore I dont want to get nailed paying the 700 bucks all at the beginning of the year out of pocket. So i set up the account to cover what i think i'll spend in a year on medical costs so as to be tax free. Under a Co-Pay system this wouldn't be an issue but under our 80/20 plan it can get pricey.
Originally Posted by
Pineapple Guy
Well, if that's the case, I happen to know for sure that you can pull 100% of your annual FSA contribution out in January, even before you've put it in. I heard that at an R&I Seminar.
So I guess I'm still not sure what he's complaining about.
I'm complaining that the FSA is advertised as to be used at the doc and can pay bills on the spot when you go to the doc to cover the costs of deductibles or co-pays yet thats not the case. DELTA set it up that we cant use the Accounts Debit card that is given to us by UHC at the Docs office. We have to pay out of pocket and submit a claim in order to get a refund out of the account WE pay into. Not all doctors will bill you and want the payment at the time of service. With young kids we've found doctors we like and dont want to switch just because of an issue like this. With that said the way DELTA has pinned us down with the use of this card is ridiculous. UHC said that most companies do not do this to their employees and the cards (our accounts) have the ability to pay bills on the spot but we're blocked from it. This just means that we have to jump through hoops to access the funds that WE have set aside. We shouldnt be forced to jump through multiple hoops to get access to our money.
Originally Posted by
hockeypilot44
No. It was the deductible. I was checking my wife into the hospital for birth. The hospital had no idea I even have an HRA account. I called and will eventually get the difference back. My point and super's point is that the plans aren't working as easily as advertised. There are a lot of hoops to jump through to get the plans to work as advertised. I agree with Super that our health plans need a lot of improvement. Delta brags about the premiums going down over the last couple of years, but I am guessing the quality has been dropping with it.
Exactly, We will get reimbursed but we have to get through the maze first in order to get the money. We should be able to just swipe our Consumers Card right then and there to tap into our funds but i think they're just hoping people wont go through the effort that it takes to get repaid. Make sure you set up your automatic payment and direct deposit so you get the money back asap. Its a good thing that was published somewhere.......
