Enrollment Season到了，明年你会用

老齯

非美虾谢绝

deepocean

will keep whatever they call for this year.

老齯

deepocean: will keep whatever they call for this year.

请牛街给你update一哈？

deepocean

老齯: 请牛街给你update一哈？

好主意。牛姐请把所有的Acronym解释一下。

nj89

老齯: 请牛街给你update一哈？

不好意思，我不卖健康险！

Wangqian

保持原来不动。

nj89

deepocean: 好主意。牛姐请把所有的Acronym解释一下。

狗啊！

nj89

冒充一下专家吧：
Cost & Flexibility： HMO&ltOS&ltPO
我觉得还是PPO好些吧。Thanks to Obamacare, 保险费会一直往上涨，等涨到大家都受不了的时候（也许10-15 years），那就是走国有化（如大家拿）的时候。

Log

I'll keep my IDO (I Don't knOw) plan offered by the company.

秋叶

I would like to know how you guys set up flexible spending amount.  I've never figured out a right amount, always either too much or not enough.

yi_ran

We have the worst, UMR. Everything needs a referral from primary doctor, without the benefit of low cost of HMO.

老齯

yi_ran: We have the worst, UMR. Everything needs a referral from primary doctor, without the benefit of low cost of HMO.

你只投了HSA，那常常是和PPO捆绑在一起的。从UMR转到NJ89保险公司八。

老齯

nj89: 冒充一下专家吧：
Cost & Flexibility： HMO&ltOS&ltPO
我觉得还是PPO好些吧。

PPO保费最高？

老齯

秋叶: I would like to know how you guys set up flexible spending amount.  I've never figured out a right amount, always either too much or not enough.

知道right amount的人都去开保险公司了。。。

秋叶

老齯: 知道right amount的人都去开保险公司了。。。

what's your rule of thumb?

yi_ran

老齯: PPO保费最高？

I think:
Medical Cost & Flexibility HMO&ltOS&ltPO
Premium: HMO&gtOS&gtPO

yi_ran

秋叶: I would like to know how you guys set up flexible spending amount.  I've never figured out a right amount, always either too much or not enough.

Your fixed medical expense. I think it is minimal for most Chinese.

nj89

秋叶: I would like to know how you guys set up flexible spending amount.  I've never figured out a right amount, always either too much or not enough.

You can use last year's out of pocket expenses (incl all copays, deductibels) as a guidance. You can set aside some money if you plan to have some expensive dental work or laser eye correction, etc).

秋叶

yi_ran: Your fixed medical expense. I think it is minimal for most Chinese.

It's hard to be fixed.  I have a little kid with all kinds of unexpected issues, including "fighting" with other kids then rushing into ER. :-)

thanks.

nj89

yi_ran: I think:
Medical Cost & Flexibility HMO&ltOS&ltPO
Premium: HMO&gtOS&gtPO

Premiums really depend on the benefits (your company has a say) and decutibles (you have a say). For example, Auto unions have very good benefits anf therefore high premiums (mostly paid by the company).

秋叶

nj89: You can use last year's out of pocket expenses (incl all copays, deductibels) as a guidance. You can set aside some money if you plan to have some exp

I guess that's the only way, i.e. using historical data to predict.  will dig out my spendings for this year.  lots of work.  quite some people give up on the flexible spending for its nuisance.

漫人

秋叶: I would like to know how you guys set up flexible spending amount.  I've never figured out a right amount, always either too much or not enough.

不知道你那个FSA怎么做，我的是可以用到下一年的3月15日，这样在选下一年的数目时可以有个参照，也有回旋的余地。去年用多了，今年就多投一点。去年投多了，还有剩余，今年就少投一点。一般孩子小的时候，要投的数目比较大，因为检查身体打预防针看牙医矫牙都需要钱。孩子长大了一些，这些必须的项目就会少多了。一般准备的，就是要防意外，这就不好说了。好多时候是到了年底看见还有余钱，就拼命想办法花掉，买bandaid、作理疗扎针灸5的，还有额外的身体检查，保险公司不报你又舍不得做的项目，就在这时候做了。

nj89

秋叶: I guess that's the only way, i.e. using historical data to predict.  will dig out my spendings for this year.  lots of work.  quite some people give u

Yeah probably not worth it if all your expenses of last few years are unpreditable or swing wildly.

秋叶

漫人: 不知道你那个FSA怎么做，我的是可以用到下一年的3月15日，这样在选下一年的数目时可以有个参照，也有回旋的余地。去年用多了，今年就多投一点。去年投多了，还有剩余，今年就

thanks.  I have time to do reimbursment by 3/15 next year but not spending though.

Please do check the new law about bandaid and other over counter medicine.  I think there are changes from prior years.

漫人

秋叶: thanks.  I have time to do reimbursment by 3/15 next year but not spending though.

Please do check the new law about bandaid and other over counter m

是的，OTC Medicine的规定有变化，需要physician's referral or prescription，但是Bandaid还是可以随便买的，起码给我的通知是这么说的。

秋叶

漫人: 是的，OTC Medicine的规定有变化，需要physician's referral or prescription，但是Bandaid还是可以随便买的，起码给我的通知是这么说的。

good.

deepocean

秋叶: It's hard to be fixed.  I have a little kid with all kinds of unexpected issues, including "fighting" with other kids then rushing into ER.

打赢了没有？谁进ER？关系到出Medical还是Legal的钱。

yi_ran

漫人: 不知道你那个FSA怎么做，我的是可以用到下一年的3月15日，这样在选下一年的数目时可以有个参照，也有回旋的余地。去年用多了，今年就多投一点。去年投多了，还有剩余，今年就

矫牙行吗？如果可以，就放一大笔。

漫人

yi_ran: 矫牙行吗？如果可以，就放一大笔。

这个你得仔细问问你的FSA。我的理解是凡是跟医疗有关而保险公司不报的一切费用，都可以到FSA那里去报，包括矫牙，当然俺不是报销的最终解释人。

以前的规矩是OTC Medicine、血压计、针灸、理疗都报，还有比如说配眼镜5的，现在OTC Medicine要有医生的处方才行。Bandaid还可以随便买，其他东西就不清楚了。

老齯

yi_ran: 矫牙行吗？如果可以，就放一大笔。

可以。HSA/HRA就不用担心太多太少了。

yi_ran

老齯: 可以。HSA/HRA就不用担心太多太少了。

Ｗｅｌｌ，　奥总统要加税，免税的东东，多多益善。

老齯

yi_ran: Ｗｅｌｌ，　奥总统要加税，免税的东东，多多益善。

HSA/HRA免税, too.

yi_ran

老齯: HSA/HRA免税, too.

当然知道。多免点是点。ＨＳＡ等老了再用。

红豆

traditional 是什么意思呀？如果单位只有一两种，那就没有什么选择了也。以前用过HMO和PPO，但是现在是什么，忘了哈。你的提醒很好，学校里也是快注册明年的医保了

老齯

红豆:traditional 是什么意思呀？如果单位只有一两种，那就没有什么选择了也。以前用过HMO和PPO，但是现在是什么，忘了哈。你的提醒很好，学校里也是快注册明年

94济济想看什么9看什么，牛街统统给报销也。牛街有那么奈斯吗？

末末

cannot manage medical bills other than HMO

nj89

老齯: 94济济想看什么9看什么，牛街统统给报销也。牛街有那么奈斯吗？

统统报消也行, 羊毛出在羊身上, 就怕你的保险费going through the roof. Generous benefits => abuse => high cost => high premium.

老齯

末末: cannot manage medical bills other than HMO

节约脑力。

茶

末末: cannot manage medical bills other than HMO

握手！

lq2010

公司自保。