Wedding Woes

I hate open enrollment

Previous years I had access to all of the info, plus the only real decision was how much to put in our FSA.  Now we have to choose between PPO and HSP.  The PPO has the FSA, but the HSP has an FSA, but you also need a LPFSA for any dental or vision.  Then it's a huge numbers game. 

The company puts some money in the HSP, but the deductibles are very different as well as the coverage level.  They each have different tax implications and rollover benefits too.

The biggest pain in the assss?  They've now sent 5 different peices of info and not one of them includes how much the plan costs!  The employee has to log-on from a work computer and select the different plans to see what each cost. 

The only good part is that for each plan you can save $40 pp/month by filling out a one time health survey AND you can save $34 pp/month for filling out a tobacco free affadavit or completing a free cessation program.

Re: I hate open enrollment

  • 6fsn6fsn member
    First Anniversary 5 Love Its Name Dropper Combo Breaker
    edited December 2011
    They will put $600 in our HSA.  Unless there is at least $200/mo difference in price I think we'll stick with the PPO this year.  If we weren't having a baby we'd probably switch, but with a known c/s and frankly I don't want to deal with BFE billing people anymore.
  • mrsconn23mrsconn23 member
    First Anniversary First Answer 5 Love Its First Comment
    edited December 2011
    DH and I are going through the same thing.  This is the first year that his company is offering an HSP.  We're leaning towards it, but still working out the numbers. It's exhausting and confusing.
  • Butter CookieButter Cookie member
    First Comment
    edited December 2011
    Wz some plans come with a handy-dandy "this was already an issue so we'll accept this as part of last year's deductible" clause in their plan. I take it yours isn't that way?
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  • 6fsn6fsn member
    First Anniversary 5 Love Its Name Dropper Combo Breaker
    edited December 2011
    That was one of the battles that I had with BFE billing people.  She was trying to say that I would only pay the deductible that was left when I was first "diagnosed" even though I know for a fact I will pay next years deductible.  I wanted to wait to pay everything at the Jan appt so that the ded. and everything would be figured under the correct insurance plan.

    Check your coverage though.  Even though I pay money now, it goes under a global claim that isn't filed until the birth.  Every penny I pay now goes to the deductible for 2011.  It's also why I can't get reimbursed under this year's FSA (which was another reason I wanted to wait until January).
  • Butter CookieButter Cookie member
    First Comment
    edited December 2011
    Yeah at least everything you spend is tax deductible when you pull money out of your HSA
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  • Butter CookieButter Cookie member
    First Comment
    edited December 2011
    In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/special-topic-wedding-boards_wedding-woes_hate-open-enrollment?plckFindPostKey=Cat:Special%20Topic%20Wedding%20BoardsForum:47Discussion:5845a9a8-81e1-4b33-b7ff-93126214a455Post:c1d32297-0961-47be-8c52-2ff4b9198841">Re: I hate open enrollment</a>:
    [QUOTE]i can use HSA money towards anything i want as long as it is medially related. i can save whatever i don't spend this year on next year's expenses. i believe we also have the option for an FSA, but the rules are different. the money has to be used for certain year's expenses. i won't have to prepay anything, though, until the claims are filed by my providers. so i am not really overly concerned. i'm just increasing my employee contribution so i have more money in that account when i need to pay certain bills.
    Posted by Wifezzilla[/QUOTE]


    Also you can put something like $6150 into your HSA every year, and if you don't spend all of that, you can continue to put the max into your HSA every year, until age 65 when you can pull it out and spend it on a cruise/grand children/throwing sandwiches at 20 year olds.
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  • *Barbie**Barbie* member
    First Anniversary 5 Love Its Name Dropper First Comment
    edited December 2011
    i want my HMO back - things were so much easier and cheaper in those days. (plus the coverage was awesome!)

    the PPO is still the best option at my company, but i'm not thrilled with the coverage level or the fact that they're raising the co-pay for specialist visits in 2011.

     I'm thrilled that my pregnancy didn't span 2 calendar years - i can't even begin to imagine what a headache that would be. 
  • baconsmombaconsmom member
    5 Love Its First Answer First Anniversary Name Dropper
    edited December 2011
    Zilla, be aware that in 2011, you'll need a prescription for OTC meds if you want to use HSA monies for them. 

    That was the first hit from Google. There are more. 
    image
  • baconsmombaconsmom member
    5 Love Its First Answer First Anniversary Name Dropper
    edited December 2011
    Oh, I use it all the time for OTC. Since I'm not really on any prescriptions, that's what I use it for. I have to stock up on meth now. Bastards. 
    image
  • mrsconn23mrsconn23 member
    First Anniversary First Answer 5 Love Its First Comment
    edited December 2011
    In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/special-topic-wedding-boards_wedding-woes_hate-open-enrollment?plckFindPostKey=Cat:Special%20Topic%20Wedding%20BoardsForum:47Discussion:5845a9a8-81e1-4b33-b7ff-93126214a455Post:40006c27-b04b-405f-9e1d-8e2d14461e37">Re: I hate open enrollment</a>:
    [QUOTE]Oh, I use it all the time for OTC. Since I'm not really on any prescriptions, that's what I use it for. I have to stock up on meth now. Bastards. 
    Posted by baconsmom[/QUOTE]

    I can't tell you how pissed off DH and I are that we can no longer use our FSA over OTC.  I don't even understand why that needed to be part of the motherfarking law.
  • Butter CookieButter Cookie member
    First Comment
    edited December 2011
    Wz they're really cutting back in 2011 on what you can be reimbursed for.


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  • baconsmombaconsmom member
    5 Love Its First Answer First Anniversary Name Dropper
    edited December 2011
    In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/special-topic-wedding-boards_wedding-woes_hate-open-enrollment?plckFindPostKey=Cat:Special%20Topic%20Wedding%20BoardsForum:47Discussion:5845a9a8-81e1-4b33-b7ff-93126214a455Post:1eb2d361-7732-4d7c-ac44-cf9cff060903">Re: I hate open enrollment</a>:
    [QUOTE]In Response to Re: I hate open enrollment : I can't tell you how pissed off DH and I are that we can no longer use our FSA over OTC.  I don't even understand why that needed to be part of the motherfarking law.
    Posted by mrs.conn23[/QUOTE]
    Don't you? Think about it, now: that money's tax-free. We get to decide what we spend it on. Why *wouldn't* this administration want to take that from us? 
    image
  • mrsconn23mrsconn23 member
    First Anniversary First Answer 5 Love Its First Comment
    edited December 2011
    In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/special-topic-wedding-boards_wedding-woes_hate-open-enrollment?plckFindPostKey=Cat:Special%20Topic%20Wedding%20BoardsForum:47Discussion:5845a9a8-81e1-4b33-b7ff-93126214a455Post:b1ff286b-1c63-4761-8ed7-20faefe2b747">Re: I hate open enrollment</a>:
    [QUOTE]In Response to Re: I hate open enrollment : Don't you? Think about it, now: that money's tax-free. We get to decide what we spend it on. Why *wouldn't* this administration want to take that from us? 
    Posted by baconsmom[/QUOTE]

    Gah...I know!  <em>::shakes fist at Obamacare:: </em>
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