Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Yipee! Finally approved for HD HSA!!!!!!
Old 04-01-2011, 12:50 PM   #1
Recycles dryer sheets
 
Join Date: Sep 2010
Posts: 233
Yipee! Finally approved for HD HSA!!!!!!

We got notice that we have been approved for a HD HSA policy thru BCBS at the quoted rate with no riders! Now, hopefully, there are no surprises with the policy and paperwork, etc. DH and I are kinda dumbfounded. BCBS was so much easier to work with than UHC... no repeated calls from the customer service reps with the same questions from the underwriters, only 2-5 years of history, they got our birth dates and addresses correct the first time around, no long holding times to talk to them... and they approved us in about a week! Basically, we got treated in a way we thought we should have been the first time.

We're thinking this is a blessing in disguise. If UHC was so hard to deal with just getting the policy, heaven help us when we'd want them to pay for anything! Now since we have a huge deductible ($11,000) we have to make a big effort to not get sick. (Wouldn't you know just yesterday I sliced my hand with a knife cutting an onion! Thought I would need stitches but at least for now it's stop bleeding.)

Thanks to all who "listened" to my rants and offered advice, especially dgoldenz who answered my many questions. I felt really bad asking so many (my agent has been worst than worthless) and dgoldenz was very nice in answering them.

Now I will have to look at setting up a HSA. Anyone have one through Vanguard? We're thinking we will use it for medicaL expenses since the bulk of our assets are already tied up in retirement accounts and we can't touch them for 5 more years. Hate to set it up at the credit union and get less than 1% interest on it.
__________________

__________________
Corporate ORphan is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-01-2011, 12:58 PM   #2
Thinks s/he gets paid by the post
 
Join Date: Jul 2010
Location: Chicago
Posts: 1,001
Congrats on getting coverage w/o the riders! Less to worry about now. I hope your knife wound heals w/o incident too.
__________________

__________________
Dimsumkid is offline   Reply With Quote
Old 04-01-2011, 01:19 PM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Mulligan's Avatar
 
Join Date: May 2009
Posts: 7,376
Congratulations CO on finishing your insurance journey. It didnt surprise me that BCBS was your best choice since we are from the same state and it was the best rate for me. You probably won't find a great rate right now in any HSA. Be careful about investing all your immediate hsa money in a mutual fund right off the bat. I followed the advise of other people on this forum and currently building up a 3 year war chest left in the savings account. After that has been completed next year, I will then go into mutual funds with the future contributions .
__________________
Mulligan is offline   Reply With Quote
Old 04-01-2011, 08:32 PM   #4
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 7,885
Congrats! I see a large dental bill in the horizon for me. Glad I got my HSA to help cover that.
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is offline   Reply With Quote
Old 04-01-2011, 08:46 PM   #5
Full time employment: Posting here.
 
Join Date: Nov 2009
Location: VA
Posts: 923
Anthem rocks.

If you weren't looking for something with portability, that would've been my first recommendation. Easy underwriting, low rates, no exclusion riders, never a hassle with claims, great customer service, great company.
__________________
Disclaimer - I am an independent insurance agent. If the above message contains insurance-related content, it is NOT intended as advice, and may not be accurate, applicable or sufficient depending on specific circumstances. Don't rely on it for any purpose. I do encourage you to consult an independent agent for insurance-related advice if you have a question that is specific in nature.
dgoldenz is offline   Reply With Quote
Old 04-03-2011, 07:41 AM   #6
Recycles dryer sheets
 
Join Date: Sep 2010
Posts: 233
Quote:
Originally Posted by dgoldenz View Post
Anthem rocks.

If you weren't looking for something with portability, that would've been my first recommendation. Easy underwriting, low rates, no exclusion riders, never a hassle with claims, great customer service, great company.
Glad to hear that. I was wondering if I had missed something on the application!


Thanks for the congrats, Dimsumkid, Mulligan and easyrider! Now dh and I are trying to figure out what we were doing before falling into "private insurance hell". It was kinda like ending up in "the Twilight Zone."
__________________
Corporate ORphan is offline   Reply With Quote
Old 04-05-2011, 09:56 AM   #7
Recycles dryer sheets
 
Join Date: Feb 2011
Posts: 200
Yeah, the old cut finger. Even if it's stopped bleeding, that's only the first step. Keep it very clean until it's not red any more. My DH got stitches a few years ago and after a week of good healing it got infected. So keep it very clean and keep it dry in the shower - that's where the doctor said my DH went wrong.
__________________
PaddyMac is offline   Reply With Quote
Old 04-05-2011, 10:31 AM   #8
Moderator
Sarah in SC's Avatar
 
Join Date: Sep 2005
Location: Charleston, SC
Posts: 13,456
Glad to hear it and glad that you got some good advice and suggestions from dgoldenz and others here on the board.
__________________
“One day your life will flash before your eyes. Make sure it's worth watching.”
Gerard Arthur Way

Sarah in SC is offline   Reply With Quote
Old 04-06-2011, 10:46 AM   #9
Recycles dryer sheets
 
Join Date: Sep 2010
Posts: 233
Quote:
Originally Posted by PaddyMac View Post
Yeah, the old cut finger. Even if it's stopped bleeding, that's only the first step. Keep it very clean until it's not red any more. My DH got stitches a few years ago and after a week of good healing it got infected. So keep it very clean and keep it dry in the shower - that's where the doctor said my DH went wrong.
Thanks for the advice. Interesting that your DH had that issue even with stitches. I had wanted them at first but DH talked me out of it. He is "taking care" of me. (I think he is secretly getting a kick out of repaying me for being the "food nazi" about his cholesterol.) He is insisting I don't do anything with it and has a huge bandage on it. Amazing how much you use your ring finger. Makes taking a shower interesting.
__________________
Corporate ORphan is offline   Reply With Quote
Old 04-06-2011, 10:48 AM   #10
Recycles dryer sheets
 
Join Date: Sep 2010
Posts: 233
Quote:
Originally Posted by Sarah in SC View Post
Glad to hear it and glad that you got some good advice and suggestions from dgoldenz and others here on the board.
Thanks. This board is great on getting info. I think we knew more than our broker from reading it!
__________________

__________________
Corporate ORphan is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
The FCC approved net neutrality "lite" MichaelB Other topics 18 12-23-2010 09:34 AM
I finally did it davidr04 Other topics 14 12-03-2010 08:38 PM
Approved for home purchase, and retired johnhenry Hi, I am... 2 07-29-2009 01:01 PM
It's finally here!! Arif Young Dreamers 5 11-27-2005 10:50 PM
Finally, finally out of lurkerdom.... panhead Hi, I am... 1 06-26-2002 11:18 AM

 

 
All times are GMT -6. The time now is 02:25 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.