Previously, my husband’s employer had a contract year plan that ran September to September. Last September, we decided to switch to a high deductible plan during enrollment ($4k from $500) and set the HSA to the same amount.
In the first week of September, we had a medical emergency and hit the deductible. I have needed a joint replacement and decided to take this opportunity and scheduled it for January. All was going smoothly, until I got a call last week to prepay the almost $3k bill for the replacement.
It turns out that they switched to a calendar year, and the $4k deductible we paid was only for September – December and reset on January 1. Meaning, not only are we going to pay double the deductible for the year we planned, but we also didn’t put enough in the HSA to cover it.
This wasn’t communicated in any way by HR, the company they use for benefits, or the insurance company. They say they gave us a credit for $150 toward the September-December for deductible paid January – September (but no documentation, the explanation of benefits even says “you are responsible for $4k”). The HR lady couldn’t even explain it to me when we first called.
We would have never chosen the plan if we had known it was only going to cover September – December. I’m looking for advice or just commiseration on how bad this sucks.
Location: US
submitted by /u/captainroomba
[link] [comments]Previously, my husband’s employer had a contract year plan that ran September to September. Last September, we decided to switch to a high deductible plan during enrollment ($4k from $500) and set the HSA to the same amount. In the first week of September, we had a medical emergency and hit the deductible. I have needed a joint replacement and decided to take this opportunity and scheduled it for January. All was going smoothly, until I got a call last week to prepay the almost $3k bill for the replacement. It turns out that they switched to a calendar year, and the $4k deductible we paid was only for September – December and reset on January 1. Meaning, not only are we going to pay double the deductible for the year we planned, but we also didn’t put enough in the HSA to cover it. This wasn’t communicated in any way by HR, the company they use for benefits, or the insurance company. They say they gave us a credit for $150 toward the September-December for deductible paid January – September (but no documentation, the explanation of benefits even says “you are responsible for $4k”). The HR lady couldn’t even explain it to me when we first called. We would have never chosen the plan if we had known it was only going to cover September – December. I’m looking for advice or just commiseration on how bad this sucks. Location: US submitted by /u/captainroomba [link] [comments]Read Morer/HealthInsurance