My HSA is in Open Enrollment
We're currently in Open Enrollment for Benefits at work. The only item I want to change is my Healthcare Savings Account contribution.
Two years ago, I contributed so much that I had about $350 leftover to spend in December. And that was after buying a new pair of prescription eyeglasses, refill on contacts and a couple of routine doctor visits. So came a shopping spree of saline and first aid products. I think we currently have every licensed brand of "Band-Aids" in our bathroom closet. Needless to say, I adjusted my contribution to $15 per month for this year. So what happens?
January: I get a sinus infection and a dermal allergy
February: a molar cracks and I get an emergency extraction and oral surgery
June: I get a titanium post screwed into my jaw and my back goes out
July-August: Physical Therapy, numerous dr visits and more prescriptions
August: MRI and still on ibuprofen
September: script for a pain clinic
October: determine that I also have sacroiliac joint injury, this is apparently the pain that hasn't improved with therapy...it's finally improving
So far, about $2000 in non-covered insurance medical expenses and co-pays. How does one predict such expenses? I know, bad hypothetical question. Maybe I'll just invest in an 8-ball and then next time I find myself rushing to buy $100s worth of Tylenol, Motrin and Band-Aids in December, I'll be content.
Two years ago, I contributed so much that I had about $350 leftover to spend in December. And that was after buying a new pair of prescription eyeglasses, refill on contacts and a couple of routine doctor visits. So came a shopping spree of saline and first aid products. I think we currently have every licensed brand of "Band-Aids" in our bathroom closet. Needless to say, I adjusted my contribution to $15 per month for this year. So what happens?
January: I get a sinus infection and a dermal allergy
February: a molar cracks and I get an emergency extraction and oral surgery
June: I get a titanium post screwed into my jaw and my back goes out
July-August: Physical Therapy, numerous dr visits and more prescriptions
August: MRI and still on ibuprofen
September: script for a pain clinic
October: determine that I also have sacroiliac joint injury, this is apparently the pain that hasn't improved with therapy...it's finally improving
So far, about $2000 in non-covered insurance medical expenses and co-pays. How does one predict such expenses? I know, bad hypothetical question. Maybe I'll just invest in an 8-ball and then next time I find myself rushing to buy $100s worth of Tylenol, Motrin and Band-Aids in December, I'll be content.