Anyone on HSA?
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.
Yea trying to get off it cold turkey
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?
No, that's why I'm seeking other data points :)
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.
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.
So has anyone seen a specialist on hsa?
Why would you need to see a specialist on hsa? You can find everything about hsa online
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.
^^yes
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.
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.
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.
Yeah. It is great if you don't go to the doctor. Your premium will be 0.