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Joined 1 year ago
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Cake day: August 2nd, 2023

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  • Not always. There’s still a max annual out of pocket expense, which is what is covered by the FSA. A single event, or an illness or accident that only requires care for a single year or two, regardless of how expensive, would not deplete the FSA. It’s only a chronic condition that requires hitting the max out of pocket for multiple consecutive years that would start to deplete that buffer.

    That’s all assuming that I can continue to work, and don’t have any other non-medical expenses during the recovery.




  • Going to make another post here, because I want to explain that American’s aren’t entirely irrational with our health care.

    I spent time in the UK and the US, and I have to say that FOR ME, my personal, EXTREMELY privileged situation - The US healthcare system is better than the UK NHS. I say this knowing that if I lose my job, or I get a major illness, that could quickly change.

    I pay a reasonable percentage of my paycheck for health insurance. I live in a mid sized town, in reasonable driving distance to several major cities, and the company I work is the single largest employer in the area, which means every doctor in this area is “in network” and I don’t have to do any extra paperwork for medical billing.

    If I need an MRI for a sports injury, I can get it within a day or two. If I need a CT scan because something unusual comes up on a test, I can get it the same day. If I need surgery for just about any injury, it’ll be done within the week. If I need to talk to an expert, I can drive about 2 hours and get an appointment probably within a month (or less if it is an emergency.)

    I will pay $0 additional out of pocket for any of the above… AGAIN, ASSUMING MY SITUATION DOES NOT CHANGE.

    My employer, who spends quite a bit on this insurance, very much enjoys this setup. They are the reason that I have this insurance, and I will lose it if I quit.