I also wanted to say that I calculated just how much my out of pocket
maximum and deductible are and used that to figure my annual FSA
bucket.  It's shockingly high even though I selected the highest level
of coverage with the lowest deductible.  Still if I hit out of pocket
maximums per year before the insurance kicks in at 100%, it's over
$5000 with a 90/10 coverage/copay.  The lowest level of coverage (that
is, with the lowest premiums) offers a 70/30 coverage/copay split with
a out of pocket maximum of over $7000.  There is an "employee maximum"
level where the employee has to pay 100% of costs up to $2000 before
the copay kicks in (mine is $750).  I sometimes wonder how many
employees have to choose between food and meds - that question haunts
me.

What, are you saying our plan is complicated?  Yeah, you're damned right it is.

Kat

On Thu, Sep 10, 2009 at 6:21 PM, Kendall D. Corbett
<[log in to unmask]> wrote:
> Kat,
>
> Since our income pretty much matches outgo, were not able to put too
> much into a flex account.  Our flex is als funded through payroll
> deduction, but the biggest problem is that it doesn't "roll-over" from
> year to year.  We use what we can afford to contribute on an annual
> basis anyway.  The chair I need is $38K, and if insurance won't cover
> it, I can't afford the payment to finance it.  That would be the same
> as a really nice car payment.  I know I could deduct it and get a tax
> refund to pay for most of it, but the original capital outlay is
> prohibitive.
>
>
> Kendall
>
> (nicely trimmed; accidentally lost my customary sig.)

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