Anyone on HSA?

Oracle / Eng dongle
Sep 25, 2017 18 Comments

How much were your visits to specialists? I called a specialist and the receptionist said there'd be a negligible co-pay if the generalist referred me there.

Sounded too good to be true as that would make the HSA on par with the premium plans. Please share your experiences having to see specialists.

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TOP 18 Comments
  • Oracle / Eng dongle
    OP
    So has anyone seen a specialist on hsa?
    Sep 26, 2017 5
    • Microsoft yMcg47
      Why would you need to see a specialist on hsa? You can find everything about hsa online
      Sep 26, 2017
    • Oracle / Eng dongle
      OP
      Specialist as in a specialist doctor. IE sleep specialist, urologist, dermatologist, podiatrist, etc. Generalist is covered by the plan (small co-pay) but specialists often aren't. The one I called was saying it's covered if I got a referral but that was not the case last time I had an HSA many years ago. But there were other changes since then so I'm asking others for more current info.
      Sep 26, 2017
    • Intel leetdecode
      I suggest you read the details about your HSA. Usually you will have to pay all charges until you reach the maximum out of pocket amount for the year and then your plan pays anything else for the rest of the year.
      Sep 26, 2017
    • Microsoft yMcg47
      Sounds like you need to see an hsa specialist. You know, a specialist on hsa
      Sep 26, 2017
    • Oracle / Eng dongle
      OP
      I did read it, it says preventative care is covered. So what the receptionist said is potentially true depending on the definition of preventative.
      Sep 26, 2017
  • Microsoft yMcg47
    Yea trying to get off it cold turkey
    Sep 26, 2017 2
    • Oracle / Eng dongle
      OP
      Why?
      Sep 26, 2017
    • Microsoft yMcg47
      I like turkey flavor
      Sep 26, 2017
  • Amazon / Eng QVHz54
    Call the provider and ask them for the code they'll use when they bill your insurance, the per hour rate and the number of hours. Then call your insurance to find out if the provider is in your network.

    If they are not, then you'll pay the hourly rate * number of hours. Ask for the insurance's max rate for that service and that * number of hours is how much will apply to your deductible. Meaning, you can pay $500 but maybe only $250 will count to the deductible.

    If they are in the network, find out your insurance's negotiated rate for the code and you'll pay that * number of hours. In that case, the entire amount would go to your deductible.
    Sep 26, 2017 1
    • Amazon / Eng QVHz54
      Oh, and this is only true until you hit your deductible. Then it changes. Your best bet is to just call ahead of time to make informed decisions.
      Sep 26, 2017
  • Apple fcknblnd
    Don’t trust what the receptionist told you. I know plenty of people with HSA accounts who get told one thing and then get a bill. You think the receptionist will be on the hook for the difference?
    Sep 26, 2017 1
    • Oracle / Eng dongle
      OP
      No, that's why I'm seeking other data points :)
      Sep 26, 2017
  • New bPUn68
    Yes, I have an HSA and had to see an specialist + couple of tests including an UT. It was expensive. However, I still think it is the best deal out there as long as you are healthy.
    Sep 26, 2017 0
  • Intel leetdecode
    ^^yes
    Sep 26, 2017 0
  • Microsoft / Eng G46M79
    Bills on HSA are enormous. But if it’s seeded well by your company and you do pre tax contributions it’s fine. I have not paid a dime out of pocket on Microsoft’s HSA plan.
    Sep 26, 2017 0
  • VMware / Eng nonamehere
    HSA can be amazing depending on your needs and seed money.

    Is it HSA PPO? What is Oracle's contribution? What is your deductible? What is your responsible percentage after the deductible.
    Sep 26, 2017 0
  • Intel leetdecode
    Yeah. It is great if you don't go to the doctor. Your premium will be 0.
    Sep 26, 2017 0