Jilara (jilara) wrote,

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Health care reembursement, bleah!

It's interesting, how our health care reembursement account changed again, this year. For those who aren't familiar, you can contribute pre-tax dollars, through your employer, and then apply to get elgible medical expenses reembursed from the account. I thought it was odd, this year, that the account was now being carried through our medical insurance provider. One stop shopping. Okay, efficiency.

But there were some new provisions. Before, you could buy over-the-counter remedies like cough medicine, pain relievers, etc. and then submit the receipts and get reembursed. Now, if you want to do that, you have to buy items through their own designated online site. Which means you'd better plan ahead. No going out to the local drugstore and getting some Theraflu because you're sick.

But it gets better. I'm at my chiropractor, and the secretary/receptionist submits the charge via the online system, to have the account pick up my deductable. Declined?? What the...?? So, I tell her I'll get back to them, and pay or get it okayed when I find out what's going on. I call up. Oh, you tried to use it for a deductable, they say. Yes... No, you can't use it for a deductable, now. You can only use it for co-payments. Read the fine print. Now, this is my money, that I contributed, figuring it would cover my deductables (which they've raised, again), and now there are new rules??? I'm starting to see the hidden features in this system, since it's now administered by our insurance provider. Because any money that's left at the end of the year is considered lost, and goes to the account administrator. Hmmm. Health care has a new scam.

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