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re: Alternatives to Flex Spending Account?
Posted on 3/25/13 at 2:44 pm to foshizzle
Posted on 3/25/13 at 2:44 pm to foshizzle
quote:
Why not?
IIRC, the premiums were not much lower than the low deductible option. That plus the high deductible plus the fact that we were making a lot of trips to the doctor (2 small kids and my wife has had minor-moderate medical issues for years) just made it seem unattractive at the time. I probably owe it to myself to take another look though since our reality is a little different now. Like you and Catman said, losing money at the end of the plan year is for the birds.
If I were single it would be a no-brainer. In the past 5 years the only visits I have made were for physicals.
This post was edited on 3/25/13 at 3:11 pm
1
Posted on 3/26/13 at 8:35 am to ZereauxSum
I think the "low" deductible plans are going to start seeing deductibles that come more into line with the HDHP's soon.
At my company the family ded on the "low" or PPO plan is 3K with 7500 OOP max on the HDHP it is 2500 ded w/ 5000 OOP max.....I was pretty shocked to see that when I started here as it was completely different at my last employer. Both plans are 80/20 after deductible with 100% coverage for preventative care no ded applies. The individual plan is where the difference in ded comes in but it still isn't much 1000 vs 1250 I think.
At my company the family ded on the "low" or PPO plan is 3K with 7500 OOP max on the HDHP it is 2500 ded w/ 5000 OOP max.....I was pretty shocked to see that when I started here as it was completely different at my last employer. Both plans are 80/20 after deductible with 100% coverage for preventative care no ded applies. The individual plan is where the difference in ded comes in but it still isn't much 1000 vs 1250 I think.
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