high deductible HSA healtcare plans? Our church is switching to that as of 1/1/09 and I'm trying to figure it out. We had a meeting with the rep today to answer a lot of questions, and Igot all the ones I could think of answered. But... what are the questions I didn't think to ask??
The one unanswered Q that I had was whether after the "20 visits of PT allowed" the other 84 appointments are then out of pocket? Even with a prescription? Same with ST, which would be only 32 more (once a week all year). And honestly we'll miss a week here and there- but still... that's a LOT to miss if we don't.
So... what didn't I ask that I should??
PS- I have no choice in this move :( But I will say that Mike's employer is VERY generous in their provisions for each family in putting in to the HSA as well as paying the premiums, but still, ICK! I don't want to do this! LOL Any help with the switch would be greatly appreciated tho.