SumDay
Thinks s/he gets paid by the post
- Joined
- Aug 9, 2012
- Messages
- 1,862
It's open enrollment time at my j*b again. Not complaining, actually quite appreciative to have a job with health insurance, among other benefits.
Right now we have a rich (and expensive) PPO plan through United Healthcare.
I'm about 4 years, 229 days and 12 hours to retirement (but who's counting) and am thinking that starting an Healthcare Savings Account (HSA) and chucking all we can into it for the next 4 years probably makes good tax sense for us.
DH was diagnosed with cancer 5 years back, so that always weighs on my mind, even though he's about to be declared "cancer free" (fingers crossed).
That's the background, here's my question: The High Deductible Health Care Plan (HDHCP) offered through my employer is through Aetna. We tried a non-HDHCP Aetna plan about 7 years ago, and it was kind of a nightmare. We had a 20% deductible on everything, but it always seemed Aetna was disallowing charges because they were above Reasonable & Customary, or the ER doctor in a small town who treated my son was "out-of-plan", etc. I think we used up our FSA money before June that year, and still hadn't met our deductible with them due to all their fine print rules.
Anyone else have any experiences to share with their HDHCP and/or Aetna?
And, we can also have an HSA AND a Limited Purpose Flexible Spending Account at the same time. It took me a while to get it, but I think I understand it now.
Too many acronyms!!!!
Right now we have a rich (and expensive) PPO plan through United Healthcare.
I'm about 4 years, 229 days and 12 hours to retirement (but who's counting) and am thinking that starting an Healthcare Savings Account (HSA) and chucking all we can into it for the next 4 years probably makes good tax sense for us.
DH was diagnosed with cancer 5 years back, so that always weighs on my mind, even though he's about to be declared "cancer free" (fingers crossed).
That's the background, here's my question: The High Deductible Health Care Plan (HDHCP) offered through my employer is through Aetna. We tried a non-HDHCP Aetna plan about 7 years ago, and it was kind of a nightmare. We had a 20% deductible on everything, but it always seemed Aetna was disallowing charges because they were above Reasonable & Customary, or the ER doctor in a small town who treated my son was "out-of-plan", etc. I think we used up our FSA money before June that year, and still hadn't met our deductible with them due to all their fine print rules.
Anyone else have any experiences to share with their HDHCP and/or Aetna?
And, we can also have an HSA AND a Limited Purpose Flexible Spending Account at the same time. It took me a while to get it, but I think I understand it now.
Too many acronyms!!!!