Yeah, well Kansas City is a real city (which ID, WY, & MT all lack) and even though a lot of it is in MO, enough is in KS to matter. I’m guessing most of that 5.7% is in the KC metro area and nearly all in the KC plus Wichita metro areas.
Speaking of which, how the hell do you actually do that? My husband just had a large medical bill, and asked me how to access the money in our HSA, and I have no idea. I guess I need to call HR. Joy.
(sorry, this is a hijack, except to point out that there are a lot of barriers to paying for an expensive medical thing.)
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I don’t think OOP means what you think it does. It is NOT " the most you could ever be responsible for".
Been there, done that.
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I have an HSA Visa card
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And we don’t even teach any of it in school. It struck me when I was studying for FM that the first time I was exposed to annities/mortgage math in a significant way in school was when I was training to work for the supply side of an industry that a huge proportion of Americans will eventually use (annuities)
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I just use the HSA card, which has a Visa logo on it and can be used like a Visa credit card (although it is actually a debit card, but you don’t use a PIN, so select “credit” if asked).
You can also get reimbursed, but that is more of a PITA, although the exact pain threshold varies a lot by administrator. I know my former employer had an awesome HSA/FSA administrator… and then we purchased another company that had a competing administrator. So of course the following plan year we had to switch to our in-house provider… which sucked. Then we decided to close that business, but we never made our way back to the awesome HSA/FSA administrator.
When approaching the end of our “use it or lose it” FSA, I know that rather than deal with getting reimbursed, I’ll look up the balance and then tell the provider “please put $3.87 of my co-pay on this card and the other $16.13 on this other card… sorry for the hassle… flexible spending card” and the providers (or more specifically the receptionists taking payment) are always very understanding about that.
So you just have a pile money sitting in your HSA and have never accessed it?
Like others said, I have an HSA visa card
Polls are strange. That one has
-
Do you think abortion should generally be legal or generally illegal during each of the following stages of pregnancy?
How about in the first three months of pregnancy?
Legal … … 60
Illegal … … 34
Depends … 4
No Opin … 1 -
Thinking specifically about the FIRST trimester, please say whether you think abortion should be legal in that situation, or illegal.
When the woman does not want the child for any reason?
Legal … 45
Illegal … 53
No Opin . 2
Is “first trimester” different from “first three months” ?
file:///C:/Users/13195/Downloads/180613AbortionTrimesters.pdf
I think the issue might be “generally illegal” and “for any reason”
I believe a lot more people should have answered “Depends” in 15
4% Depends is odd as a lot of people would say Illegal except for Rape, Incest, Mothers health
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Out of network providers can throw a wrench in that, and I agree that there needs to be a LOT more transparency about that (if that’s what you’re getting at). Any kind of emergency or time-sensitive care given at a hospital should be 100% in network if the hospital is in network IMO. That’s a material flaw in our system that ought to be fixed.
Put that on the hospital. Their providers must be in-network if they’re selected by the hospital (such as the anesthesiologist administering an epidural during labor). I mean, if the hospital wants to grant practice rights to an OON plastic surgeon doing liposuction in one of their ORs one day a week, fine. But if I show up at the hospital in labor, and the hospital is in network, then 100.00% of my care should be billed at the in-network rate.
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Well, not on a required basis anyway, and it’s important enough that it probably should be required.
I took a Personal Finance class in college, but it was an elective. And yeah, every adult should know that stuff. Make it a required high school class IMO.
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I do have an HSA visa but choose not to use it. As a result we have a pile of $ in the HSA. We are basically using it as an additional retirement account.
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Wishful thinking? It’s actually on the patient. Literally.
And that’s not the most common reason. More often it’s this “copay” stuff like drugs, office visits, ER, or ambulances. Copays do not count towards deductibles or OOPs, in general. Just FYI.
To me, those people are already in the “generally illegal”. I assume they know that “generally” is different from “always”.
But, the 15% who said “generally” legal, but not legal for “When the woman does not want the child for any reason”? Do they think that rape, incest, medical risks make up most of the reasons for abortion in the first ___ ? (don’t know whether to type “trimester” of “first three months of pregnancy” here)
Right… I’m saying it should be on the hospital, and it’s a flaw that it isn’t.
15% of the people who voted are idiots.
I thought most high deductible plans don’t have co-pays… just deductibles and coinsurance… all of which DO count towards the OOP Max. I’ve never seen a HDHP that had co-pays anyway. But IANAHA, so maybe they exist and I’m just not familiar with them.
gross underestimation
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“Free” prenatal care that doesn’t provide coverage for the outcome is a problem, whether it’s $6k for a normal delivery or $3k for a miscarriage. I suspect most people have high deductible insurance, whether that’s all that’s offered or all they can afford. That additional daycare cost + delivery cost + loss of income during maternity leave can overwhelm a budget of a mortgage, student loans, car payment, and daycare cost for current child(ren). Do you think the average young American can handle an unexpected $20k in one year? That’s also assuming everything goes well. Now imagine that’s a child with significant problems who’ll never be independent.
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I’ve had 4 different high deductible plans over the past few years. All of them had co-pays. Some with co-pays for an ER visit as high as $500. And there was a separate ambulance copay as well.