问一下用FSA COVER生孩子费用的问题

b
buringsnow
楼主 (北美华人网)
我们打算明年生老二(现在还没有)。
想在老二出生的时候再改FSA里的金额数,可行吗?
比如我们现在只放个300块,假设明年12月分的时候宝宝出生,等到生了以后再把钱加到5000,这样的话还能补报生产和怀孕期间检查的费用,以及前十一个月其他的医疗费用吗?
h
hualing
2 楼
刚刚正好也研究了下,贴过来。

7. When may I make changes to my FSA elections?

You may change benefits during open enrollment. Other than during an open enrollment period, generally, you are not able to change your election during the plan year. However, you might be able to make a change under one of the following circumstances referred to as Qualified Life Event changes:

your marital status changes,
your number of dependents change,
one of your dependents satisfies or ceases to satisfy the requirements for coverage under the Medical Reimbursement plan for unmarried dependents due to attainment of age, student status, or any similar circumstances,
if you, your spouse or qualified dependent experience a change in employment status that affects eligibility under this plan or you terminate or take a leave of absence (must be at least a 31 day break in employment status to qualify as a change in status)
you change your Dependent Care provider, or
you go on Family Medical Leave.
The change in status must result in a gain or loss of eligibility for coverage under this plan or a plan maintained by your spouse's employer or one of your dependent's employers and your election modification must correspond with that gain or loss of coverage. To apply for a benefit change under the FSA plan, you must apply for the change within 31 days of the event. Contact Human Resources for applicable forms. For additional information about qualified life event changes, refer to the applicable Summary Plan Document on the Human Resources FSA web page.

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b
buringsnow
3 楼
生了孩子之后改FSA的数目看来是没问题的,改了之后能用到之前(同一年的)发生的医疗费用上去吗?
即生完了加了FSA里的钱了再报生产和孕期检查的帐单可以吗?

以下是引用hualing在11/14/2011 11:29:00 PM的发言:

    
    刚刚正好也研究了下,贴过来。

7. When may I make changes to my FSA elections?

You may change benefits during open enrollment. Other than during an open enrollment period, generally, you are not able to change your election during the plan year. However, you might be able to make a change under one of the following circumstances referred to as Qualified Life Event changes:

your marital status changes,
your number of dependents change,
one of your dependents satisfies or ceases to satisfy the requirements for coverage under the Medical Reimbursement plan for unmarried dependents due to attainment of age, student status, or any similar circumstances,
if you, your spouse or qualified dependent experience a change in employment status that affects eligibility under this plan or you terminate or take a leave of absence (must be at least a 31 day break in employment status to qualify as a change in status)
you change your Dependent Care provider, or
you go on Family Medical Leave.
The change in status must result in a gain or loss of eligibility for coverage under this plan or a plan maintained by your spouse's employer or one of your dependent's employers and your election modification must correspond with that gain or loss of coverage. To apply for a benefit change under the FSA plan, you must apply for the change within 31 days of the event. Contact Human Resources for applicable forms. For additional information about qualified life event changes, refer to the applicable Summary Plan Document on the Human Resources FSA web page.

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p
peanutgirl
4 楼
以下是引用buringsnow在11/14/2011 11:40:00 PM的发言:

    
    生了孩子之后改FSA的数目看来是没问题的,改了之后能用到之前(同一年的)发生的医疗费用上去吗?
即生完了加了FSA里的钱了再报生产和孕期检查的帐单可以吗?


    


不可以用在生孩子之前的花销。我刚问过我们公司HR,她说连delivery cost都不行,因为那时孩子还没出来。但可以用于之后的住院费。
b
buringsnow
5 楼
MM大概知道delivery cost如果是自然生的话要花多少吗?
如果新加进FSA的钱不让用在之前的费用上的话,还真是头疼不知道要放多少了。唉
以下是引用peanutgirl在11/14/2011 11:50:00 PM的发言:

    
    
    

不可以用在生孩子之前的花销。我刚问过我们公司HR,她说连delivery cost都不行,因为那时孩子还没出来。但可以用于之后的住院费。
    
A
ALAE
6 楼
MM可以选择多放啊,等生完后再根据实际花费把剩下的FSA额度放低。re-election之前放的钱可以用于全年的。
兔咖咖
7 楼
我们不能降低,只能增加。 以下是引用ALAE在11/15/2011 8:43:00 AM的发言:

    
    MM可以选择多放啊,等生完后再根据实际花费把剩下的FSA额度放低。re-election之前放的钱可以用于全年的。
    
T
TeaBaby
8 楼
Same here!

以下是引用兔咖咖在11/15/2011 9:07:00 AM的发言:


    
    我们不能降低,只能增加。

    
p
pan_xyang
9 楼
每个保险是不同的,楼主最好和ob或者保险公司查询,也可以找公司的同事查查看。
b
bblove
10 楼
 我研究的结果是不可以用在之前的费用。
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love8apple
11 楼
明年也要生孩子,第一次生孩子,没有经验,以前从来都没有用过FSA,我们的admission fee$250,一般要里面放多少钱才够用呢??