FSA's make perfect sense for known expenses. For instance, we used it to pay day care a few years ago. No psychic powers required, we know exactly what we have to pay for that every month.
But you are right Eric, with a $4000 deductible before insurance even kicks in, and even then they only pay 65%....why have insurance at all? On Tue, Nov 13, 2012 at 7:29 AM, Scott Stroz <boyz...@gmail.com> wrote: > > The point is to be able to pay medical expenses with pre-tax dollars. > > Yea, it is difficult at first to figure it out, we always low-balled our > estimates. The only year we had money left over was a few years ago, on > Dec. 30th we went and bought band-aids, Motrin, cold medicine etc. to make > up the difference (those are no longer allowed, though). May take a > few cycles to get the number correct, but it is not as bad as some make it > out to be. > > > On Mon, Nov 12, 2012 at 10:30 AM, Eric Roberts < > ow...@threeravensconsulting.com> wrote: > > > > > I never understood the FSA thing with having to spend it in a year or you > > lose it...that always seemed really stupid to me. They are asking you to > > be > > a psychic with the amount of money you are going to need but penalize you > > when your psychic ability isn't up to par... I never had an HAS account, > > they didn't have those back when I had benefits. Last time I had > benefits > > was 2007...then 2000 before that. I hate contract work. > > > > ------------------------------------ > > Three Ravens Consulting > > Eric Roberts > > Owner/Developer > > ow...@threeravensconsulting.com > > tel: 630-486-5255 > > fax: 630-310-8531 > > http://www.threeravensconsulting.com > > ------------------------------------ > > > > -----Original Message----- > > From: GMoney [mailto:gm0n3...@gmail.com] > > Sent: Monday, November 12, 2012 9:31 AM > > To: cf-community > > Subject: Re: These maps put GOP/Dem into a different perspective > > > > > > That's what I did....well, i did the HSA, not the FSA. The HSA is nice, > > provides the same pre-tax money, but then i'm not subject to the 1 year > > limit of the FSA.....that money remains mine. The only stipulation to > avoid > > taxation and penalty is that it be spent on health related stuff...which > is > > pretty broad. > > > > So that is a slight help. Shrinks my paycheck every time, but hopefully > by > > my first medical expense, i've got enough in there to at least help cover > > it. It really comes down to this though: Don't get sick next year. > > > > > > On Mon, Nov 12, 2012 at 9:19 AM, Scott Stroz <boyz...@gmail.com> wrote: > > > > > > > > Ugh..... > > > > > > Do you guys have the option of contributing to a flexible spending > > account? > > > That may help ease the pain of some of the increased costs. > > > > > > > > > On Mon, Nov 12, 2012 at 10:17 AM, GMoney <gm0n3...@gmail.com> wrote: > > > > > > > > > > > My company is 46K employees :/ > > > > > > > > So yeah....i dunno.....maybe this is just my company being assholes > > > > about it and trying to pass these costs on to me. Or maybe my > > > > company is just doing this earlier than other companies...? > > > > > > > > Not sure. > > > > > > > > > > > > On Mon, Nov 12, 2012 at 9:13 AM, Scott Stroz <boyz...@gmail.com> > > wrote: > > > > > > > > > > > > > > We are actually in open enrollment right now, which is why I was > > > > > familiar with the costs and lack of changes to coverage. > > > > > > > > > > It sucks that your coverage changed so drastically. I have had > > > > > that > > > > happen > > > > > in the past, and when you have a child with special needs (my son > > > > > has cerebral palsy) the impact is even more severe. > > > > > > > > > > I work for a fairly large company (I think we are about 40,000 > > > worldwide) > > > > > and I am not certain if that makes us more or less likely to > > > > > experience changes in our coverage like you explain. > > > > > > > > > > > > > > > On Mon, Nov 12, 2012 at 9:50 AM, GMoney <gm0n3...@gmail.com> > wrote: > > > > > > > > > > > > > > > > > That could certainly be the case, Scott. When is your open > > > enrollment? > > > > > You > > > > > > haven't seen much of a change yet, but you may still in the near > > > > future. > > > > > > > > > > > > I'm not an ideological crusader, so I'm not on a warpath for or > > > against > > > > > the > > > > > > new health care act.....all I know is what I see....and for me, > > > things > > > > > just > > > > > > got a lot worse. > > > > > > > > > > > > My daughter has had a bad cough for a week, and over night and > > > > > > into > > > > this > > > > > > morning it got even worse.....so we have to take her to the > doctor. > > > My > > > > > new > > > > > > insurance doesn't kick in until the first of year. This visit > > > > > > will > > > cost > > > > > me > > > > > > my $20 copay. When this happens after January 1st, I'll be on > > > > > > the > > > hook > > > > > for > > > > > > the entire bill...about $180 i think it normally costs for a few > > > > minutes > > > > > > with the doc. > > > > > > > > > > > > > > > > > > On Mon, Nov 12, 2012 at 8:37 AM, Scott Stroz <boyz...@gmail.com> > > > > wrote: > > > > > > > > > > > > > > > > > > > > G, > > > > > > > > > > > > > > From an outsider's view, it sounds as if your employer simply > > > chose a > > > > > > > different plan. We have had no change in the coverage in our > > > > > > > plan > > > at > > > > > > work, > > > > > > > although, the monthly premium went up about $10 per month, but > > > > > > > its > > > > has > > > > > > gone > > > > > > > up a little each year since I started here. > > > > > > > > > > > > > > Purely speculation, but I do not think it is outside of the > > > > > > > realm > > > of > > > > > > > possibility that some employers would change healthcare plans > > > > > > > and > > > > > 'blame' > > > > > > > Obamacare - either them being cheap and trying to find a > > > > > > > scapegoat, > > > > or > > > > > > > trying to push a political agenda.. > > > > > > > > > > > > > > > > > > > > > On Mon, Nov 12, 2012 at 8:27 AM, GMoney <gm0n3...@gmail.com> > > > wrote: > > > > > > > > > > > > > > > > > > > > > > > That's great Eric, but it doesn't really help me, does it? > > > > > > > > > > > > > > > > Fact: My private, company provided health insurance plan > > > > > > > > just > > > went > > > > to > > > > > > > shit, > > > > > > > > and according to them, it's because of the rise in expenses > > > > > > > > for > > > > > health > > > > > > > > insurance. I would say it's just my company trying to screw > > > > > > > > me > > > over > > > > > and > > > > > > > use > > > > > > > > Obama care as an excuse, but it's happening to my friends at > > > their > > > > > > > > companies as well. > > > > > > > > > > > > > > > > Your rhetoric means NOTHING in the face of my reality. > > > > > > > > > > > > > > > > > > > > > > > > On Fri, Nov 9, 2012 at 4:32 PM, Eric Roberts < > > > > > > > > ow...@threeravensconsulting.com> wrote: > > > > > > > > > > > > > > > > > > > > > > > > > > Take that up with your insurance company for downgrading > > > > > > > > > your > > > > plan > > > > > or > > > > > > > > your > > > > > > > > > employer for getting a lower level insurance plan. How is > > > > > > > > > that > > > > the > > > > > > > fault > > > > > > > > > of > > > > > > > > > Obamacare? > > > > > > > > > > > > > > > > > > ------------------------------------ > > > > > > > > > Three Ravens Consulting > > > > > > > > > Eric Roberts > > > > > > > > > Owner/Developer > > > > > > > > > ow...@threeravensconsulting.com > > > > > > > > > tel: 630-486-5255 > > > > > > > > > fax: 630-310-8531 > > > > > > > > > http://www.threeravensconsulting.com > > > > > > > > > ------------------------------------ > > > > > > > > > > > > > > > > > > -----Original Message----- > > > > > > > > > From: GMoney [mailto:gm0n3...@gmail.com] > > > > > > > > > Sent: Friday, November 09, 2012 1:34 PM > > > > > > > > > To: cf-community > > > > > > > > > Subject: Re: These maps put GOP/Dem into a different > > > perspective > > > > > > > > > > > > > > > > > > > > > > > > > > > On Fri, Nov 9, 2012 at 1:25 PM, Eric Roberts < > > > > > > > > > ow...@threeravensconsulting.com> wrote: > > > > > > > > > > > > > > > > > > > > > > > > > > > > > How are you being punished G? If you already have > > > > > > > > > > insurance > > > > then > > > > > > you > > > > > > > > > > don't have to change anything. > > > > > > > > > > > > > > > > > > > > > > > > > > > > Uh, the insurance I had used to cover things....now it > > doesn't. > > > > > > > > > > > > > > > > > > This year, when I took my sick child to the doctor, I paid > > > > > > > > > a > > > $20 > > > > co > > > > > > > pay. > > > > > > > > > Next year, i will pay for the entire doctor visit...and > > > > > > > > > every > > > > > ensuing > > > > > > > > > doctor > > > > > > > > > visit, and every other bit of medical care that I seek > > > > > > > > > next > > > year, > > > > > > > until I > > > > > > > > > reach $4000, at which point my insurance will kick in and > > > > > > > > > cover > > > > 65% > > > > > > of > > > > > > > > the > > > > > > > > > rest of the expenses. > > > > > > > > > > > > > > > > > > Can you begin to grasp how drastic of a change that is for > > > > > > > > > a > > > > father > > > > > > of > > > > > > > > two > > > > > > > > > kids who love to get sick....? > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Order the Adobe Coldfusion Anthology now! http://www.amazon.com/Adobe-Coldfusion-Anthology/dp/1430272155/?tag=houseoffusion Archive: http://www.houseoffusion.com/groups/cf-community/message.cfm/messageid:358265 Subscription: http://www.houseoffusion.com/groups/cf-community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/groups/cf-community/unsubscribe.cfm
