Please think hard about it before you get an HSA compatible health-insurance plan - Page 2 - Mothering Forums

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#31 of 36 Old 02-03-2010, 10:36 AM
 
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Originally Posted by carfreemama View Post
I actually could have had more cosmetic/reconstructive surgery done, but I feel completely comfortable in my skin! I wear my burn scars proudly. It was WAY harder on my mom and her fear after the accident was much harder for me in every way than the actual accident and surgeries. .
thank you so much for this. I am so worried that DD will hate the way she looks (even though she should have minimal long term scaring) and blame me for it. I know "I" didn't burn her but I didn't manage to stop it... I hate it!
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#32 of 36 Old 02-03-2010, 03:36 PM
 
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#33 of 36 Old 02-03-2010, 03:51 PM
 
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I haven't read all the replies, but I am so sorry your son is hurt.

We have an HSA HD plan, but our deductible is 2000 per year per person, or 4000 per family. So everything after that is covered 100%. I don't udnerstand how you end up having to pay that much- what is your deductible?

In general I love the HD plan, and I think they work well for most people.

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#34 of 36 Old 02-03-2010, 03:54 PM
 
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Originally Posted by MissinNYC View Post
I haven't read all the replies, but I am so sorry your son is hurt.

We have an HSA HD plan, but our deductible is 2000 per year per person, or 4000 per family. So everything after that is covered 100%. I don't udnerstand how you end up having to pay that much- what is your deductible?

In general I love the HD plan, and I think they work well for most people.
Those are really good deductibles!! Ours is $4500 deductibe, then a $10,500 out of pocket max. If you have family coverage, the family deductible/OOP apply, so that's those numbers. If only 1 or 2 people are covered, the numbers are different.

edited to add: this is employer sponsored, so it's our only option. And our premiums are reasonable ($325/month or so), so it all evens out.
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#35 of 36 Old 02-03-2010, 03:55 PM
 
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If they let you? They have no choice. They don't have to know that you have open credit to pay this. If you send them any money every 30 days, then they can't refer you to collections. If they cash the check anyway. I've heard of people sending 25$ every 30 days and since the check gets cashed, it doesn't go to collections. Most people don't have 10,000 in their pockets. They dont' have a choice except to work with you. Nobody can force you to put something on credit.
This isn't true. They can send it to collection if you don't pay the minimum due. And if they minimum due is the whole amount, you are SOL. I tried this in the past, and they cashed the check and still sent it to collections. Perfectly legal. And even though I did it, I don't think it's ethical, actually. They should get paid, and sending them a quarter to hold them off isn't really right.

But luckily hospitals almost always work with you.

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#36 of 36 Old 02-03-2010, 05:29 PM
 
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OP, we had an HSA situation like you, and when my DD was hospitalized, we were so scr3wed by the bills! It would have been better to have no insurance and been able to apply for medical.

They get you with the "co-insurance" b.s. ... So even if you pay your co-pay and meet the deductible, that isn't all that you have to pay.



I hope your little one is okay. I think talking to a financial specialist is the best thing to do.

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