Why we're all visiting the dentist and the eye doctor next week | Overstuffed Overstuffed

Tuesday, November 24, 2009

Why we're all visiting the dentist and the eye doctor next week

Since Joel started working in mid-August, we only elected to have $100.00 put into our Flexible Spending Account for the rest of the calendar year.  We figured that should cover any co-pays or surprise ER visits for 4 months.  We're not big doctor-goers and we're generally healthy.  Plus we all got new glasses in April.

Well, as luck would have it, somebody entered our $100.00 for the year as $100.00 per paycheck.  We just noticed the error last week, which is obviously a bit late in the game.  We were able to stop it coming out for the next two paychecks, but that still leaves us stuck with $700.00 in our FSA, which is more than we have ever in our lives put in for an entire year, much less 4 1/2 months.

And we have to use it all by December 26.

Chloe's broken wrist has been the only expense so far since moving here, as the insurance covers all well child exams completely.  Our out of pocket for the wrist?  A whopping $75.00.

So.  We can either go buy $625.00 worth of Band-Aids, aspirin and saline solution for the contact lenses I only wear once a week or so, or we can get new glasses (again) and dental work done.  Normally, I'd hope we didn't have a lot of dental work, but now I'm hoping that there are some unforeseen problems that we can take care of with our unwitting healthcare "windfall."

I'm also hoping that if we aren't able to use it, that we can plead our case further and be reimbursed for the unused portion.  Because the benefits lady took Joel's file out this morning, and clear as day it said Annual Election-$100.00.  

I'm not holding my breath, though.

Moral of the story?

Always read your check stubs and don't be surprised if I give you athlete's foot cream and Tylenol for Christmas.

25 comments :

  1. I can't even imagine what it would be like to have only $700 a year in an FSA. But then, we have pretty crappy luck with health around here.

    Have fun spending it . . . I guess!

    (Stock up on Aleve or something!)

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  2. Hmm...I've actually been running a little low on Athlete's Foot Cream. Care to send me some? :) Have fun taking advantage of your health!

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  3. Stock up on your flu season supplies!

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  4. Dude...I don't know how you luck out, but we regularly spend at least twice that much a year...with good insurance! Tyler's overnight hospital stay cost us almost that much. Of course Kelley doesn't cost us as much as Tyler does....good luck, hope you get it figured out!

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  5. You can buy fancy first aid kits with that money. And... first aid cotton (weird stuff on a roll) is something else you can buy with it and use instead of cotton balls (if you use cotton balls).

    And you can buy chiropractor visits with that money, if things like that interest you. (I need to get a chiro appointment for next week).

    Do you need any prescription sunglasses?

    I wish you could use FSA money for vitamins!

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  6. If you need to spend the money, you could always buy first aid kits for people on your Christmas list to go towards their emergency supplies/72 hr packs. I was just thinking the other day that a first aid kit would be something I really need to get for ours. Not a bad idea if you ask me! Good luck!

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  7. I'm with Vicki, I would totally be using that to get to a chiropractor regularly!

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  8. Why not look into lasixs? No more glasses ever! I had a friend at the hospital who took out enough each year for two years to cover the cost of hers and her husbands lasix surgery. Now they don't need the contacts or the glasses. Just a thought.

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  9. I won't lie, that would have irked me to learn. $700 a year is a big difference from $100. At least you have a great attitude about it, huh? I wish I had some kind of flex plan for vision. I could lop off the bottoms of two coke bottles at this point and look about the same.

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  10. Oh sheesh. I only ever heard about the whole FSA thing from my sister a couple of years ago. Nothing like that over here.

    I personally feel strongly that anything sold in a drug store automatically has a medical link. You really should be able to go to Rite Aid and stock up on any of that medical stuff. (like mint chocolate chip ice cream and make up (although I think you're not a drug store make up kind of girls, right?) and Christmas decorations. You know. THAT kind of medical stuff.

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  11. UGH! At least you'll all be clean and healthy for the new year. And maybe you can get some fancy new glasses? I think thermometers would make a great present.

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  12. We had a couple of high-cost medical years and put a LOT into FSA anticipating the same. Wasn't necessary and we had a huge balance. I ordered $1,000.00 of stuff off of drugstore.com. I'm not kidding. Electric thermometers, First Aid backpacks, a case of Gold Bond, you name it. A huge drug box arrived on our doorstep and I'm sure the neighbors thought we were running a meth lab. And I think we might be in the same boat this year, even though I went and bought two new pairs of glasses just for the heck of it.

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  13. Good luck or should I say BAD luck?

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  14. Here is another thought.
    Use some of the money for 72 hour kits. Good Christmas gift... Or, you know how the flu stuff comes and goes. Get a bunch of those masks that go over you nose and mouth and medical gloves. Because when the time comes that you are trying to keep infection out, you will want those things.
    Not to seem over paranoid or anything. :o)
    That is really junk that they took so much money out.
    :(

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  15. Yikes! I wish they would just refund your money. I don't understand it all.....

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  16. Sigh. I love bureaucracy! On the upside, glasses costs can add up quickly, especially when more than one person in the family wears them (the Tailor has 20/20 vision....for now, anyway....so he about fell over when I told him how much frames and lenses cost on average). So maybe that extra windfall will really come in handy! Prescription sunglasses, anyone?

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  17. That's totally weird....
    call them, fo sho. How much do you usually put in? We're 40 dollars/month people.

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  18. i'm laughing cuz we put 3000 in ours for the year. lol

    but we did know that we had to put 1500 into my husbands mouth and our oldest is in braces - so we tallied that amount. we're down to 700 left, but we have a 3 month grace period so can use it until march. I'm holding off on my crown until i make sure we're in the clear with no broken femurs, for instance

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  19. and hey - what's with the white stuff?

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  20. Three words: designer prescription sunglasses. You could drop $700 in no time!

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  21. Hee hee hee ... we have a little left over on our and I'm going to get one of those new fangled thermometers that you swipe across the forehead ... but new glasses sound good, too! Kind of a funny predicament, though!

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  22. Sounds like you have a pretty awesome health plan there. Why can't the Govt use That One?!
    :~D

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  23. The last time we had a FSA (about 8 years ago)I used it for Lasik surgery. Best. Decision. EVER.

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  24. You know what? I could totally use some glasses--frames and lenses--you want to shoot $350 my way? ;) (It's EXPENSIVE to be blind!)

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