Health Insurance through Delta

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11-17-2023, 06:41 AM

#171

easternguy

Line Holder

Joined APC: Apr 2016

Posts: 55

Quote:

Originally Posted by iaflyer

I did just that, went from the HSA to the Co-pay last year. I liked it better, as the regular visits on HSA cost $120 until you're met the deductible, then co-insurance, etc. I did like the fixed visit costs for the co-pay.

Also, ER visit is a fixed $250, and you know how ER prices can add up quickly. While we didn't skimp on healthcare, it does make it "what are we going to pay for this visit" a simpler calculation.

I did max out the FSA, figuring with maybe some dental work, vision etc I'd use it up but I ended up having surgery and used it all up. The surgery was a flat $200, which was awesome, it was MRIs and other family stuff that ate throught the FSA.

Similiar to how I am looking at it. The FSA for the co-pay option is full service. I am used to the limited FSA which was pretty much dental and vision and was always a crapshoot if we were going to use it. Did you find it hard to use the full service FSA money? For instance, the $250 ER fee... that can be paid from the full service FSA? All the visit fee's on top of the regular dental/vision?

11-17-2023, 07:55 AM

#172

iaflyer

seeing the large hubs...

Joined APC: Oct 2006

Position: 73N A

Posts: 3,706

Quote:

Originally Posted by easternguy

It was easy to get paid out of the FSA, I just used the Optum Bank app on my phone, filled out a bit of information, took a picture of the paid receipt (not the EOB), I usually did it from the car after the appointment. If they mailed a bill later, just did it when it arrived. Within a week the money was direct deposited in my account. That's for medical/dental or vision.

Yes, that $250 ER bill can be paid via the FSA. I looked back in the history in the app and I see the $250 was paid via the FSA.

11-17-2023, 08:18 AM

#173

crewdawg

Super Moderator

Joined APC: Jul 2006

Posts: 5,557

Anyone remember how long it took them to setup the HSA? I signed up for an HSA plan early in October and still haven't seen my elected deductions pulled from my check. Called optum and they say they don't have any pending data on me. Tried calling HR, but hung up after 45 minutes on hold, not the best day to call lol.

11-17-2023, 11:03 AM

#174

nene

Gets Weekends Off

Joined APC: Nov 2020

Posts: 1,746

Quote:

Originally Posted by Jughead135

I’m no expert, so do NOT take this as gospel, but I “think” I know where the disconnect lies:

Prior to ca. 2019 [??—the key date was when TRICARE started costing a monthly premium], being “eligible” for TRICARE was semantically equivalent to “having” TRICARE. You could not opt-out in any fashion—therefore, per the HSA rules, you could not contribute to one (note, you could still own/manage an existing HSA). With the change in the TRICARE rules—namely, the requirement to pay a premium—it became possible to opt-out.

I don’t know if that last point is the difference, but I suspect it is. It may well be possible, NOW, to be “eligible” for TRICARE, elect not to activate it, and retain HSA eligibility. I’m spitballing, so DYODD on this….

This was a great point, and makes much more sense.

When I last looked into it, Tricare standard was "free" and the default as a retiree. There was no official way to "opt out" of tricare standard. In fact, if the wife had good insurance, all that happened was tricare became secondary and paid all the other plans copays.

01-09-2024, 07:38 AM

#175

Fly Casual

Line Holder

Joined APC: Feb 2019

Posts: 54

Any HSA gurus know what (if any) tax implications there may be if you pay for a large Dental bill at the office with your HSA card and then later get reimbursed most of it after submitting a claim?

As a side note, thumbs up for Delta Dental covering nearly all of an out of network provider's bill.