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  1. #1
    Join Date
    Feb. 22, 2009
    Location
    Wisconsin
    Posts
    2,665

    Default Surgery, do I get it in before my DH insurance might get switched to OC?

    So I have been told I need another ankle surgery. I am on the books for Vday for it (yay). There is a chance that his work may switch to Obamacare in 2014, but who knows we shall see. I don't want another surgery. Don't want to be laid up again and so I am tempted to just see how much pain and how good of a brace I can use/stand. The thing that does worry me is that if I end up having no choice but to have surgery in order to still jump etc which is what it looks like, is that if they switch to Obamacare it won't be covered etc by the specialist that I need to travel to to get it done.

    So do I suck it up and just do another surgery? Do I wait and see how much worse it gets? Blah. Like we don't have enough issues without the chance of not being able to go to and "afford" a new ankle specialist if this doesn't work out.



  2. #2
    Join Date
    Feb. 14, 2003
    Location
    Windward Farm, Washougal, WA- our work in progress, our money pit, our home!
    Posts
    6,836

    Default

    Well--you have a full year before his company's insurance will change to...?? what? another insurance company? If you are scheduled for surgery in two months, under your current insurance, why not do it now if you feel you will suddenly be thrust into the maw of hell...er..a different insurance company or system (HMO? Kaiser?). Without knowing what kind of insurance you have now, it is difficult to tell you if you'd see a big difference in coverage in 2014.

    I do understand no wanting to have yet another surgery, so only you can determine what's best for you. I will say, as I get older, it gets infinitely more difficult to recover from surgery.
    Proud member of the "Don't rush to kill wildlife" clique!



  3. #3
    Join Date
    May. 6, 2003
    Posts
    1,888

    Default

    Will the company be switching insurance providers or having everyone buy insurance through one of the exchanges?

    Either way, CC is right that it's harder to recover when you're older. Why waste time being in pain and worrying about whether your new provider will cover the surgeon you want? If the surgeon is in network now, get it done now.
    According to the Mayan calendar, the world will not end this week. Please plan your life accordingly.


    1 members found this post helpful.

  4. #4
    Join Date
    Aug. 12, 2010
    Location
    Westford, Massachusetts
    Posts
    3,648

    Default

    I don't get it. "Obamacare" is not a health plan and it's not government provided healthcare.

    Has DH's employer said anything about a new plan for 2014, or is this just conjecture? Unless DH's employer has published specific details of less generous and/or more expensive coverage in 2014, I don't see any reason to assume that your coverage will be "worse" then than it is now and plan surgery around it.

    I do not expect my coverage to change in any substantial way, it already meets any requirements in the healthcare bill.


    8 members found this post helpful.

  5. #5
    Join Date
    Aug. 12, 2010
    Location
    Westford, Massachusetts
    Posts
    3,648

    Default

    Actually, rather than worrying about "Obamacare", if you think you might need surgery next year, the smart thing to do would be to use a Flexible Spending Plan if one is offered through DH's work. You can elect that during open enrollment. He could have the expected cost of your share of the surgery deducted from his paycheck over 12 months. It would be put in the FSA account and shielded from taxes. We still don't know exactly what is going to happen with taxes, though, as it stands now, the "payroll tax" holiday is over, meaning everyone's payroll taxes will be going up by 2%. It's doubtful your taxes will go down and they may go up, so putting aside money for the surgery before taxes would probably be the best planning you could do for it.


    1 members found this post helpful.

  6. #6
    Join Date
    Oct. 15, 2001
    Posts
    4,704

    Default

    There is no such thing as an "Obamacare" health insurance plan. Your DH's company cannot "switch to Obamacare", because no such plan is going to exist in 2014.

    You might want to get a few more details before making plans either way.


    6 members found this post helpful.

  7. #7
    Join Date
    Jan. 26, 2006
    Location
    Fort Worth, Texas
    Posts
    4,272

    Default

    Quote Originally Posted by Canaqua View Post
    He could have the expected cost of your share of the surgery deducted from his paycheck over 12 months. It would be put in the FSA account and shielded from taxes. it.
    I believe as of today the amount of contribution to a FSA is now capped at $2,400/yr



  8. #8
    Join Date
    Dec. 15, 2003
    Posts
    1,370

    Default

    No it's not. Individual employers can cap their FSA plans to mitigate their risks of someone spending their entire allocation early in the year and then quitting and not making their contributions the rest of the year.

    Dependent Care Reimbursement plans have a limit of, I believe, $5,000 per year but FSAs either do not have a limit or have a very high limit. Having trouble remembering the exact limits as it's been a while since I set one up but I know that FSAs are definitely higher than $2,400.



  9. #9
    Join Date
    Feb. 6, 2003
    Location
    Deep South
    Posts
    14,641

    Default

    I think most plans have probably adjusted to the 2013 requirements of the healthcare bill already.
    ... _. ._ .._. .._



  10. #10
    Join Date
    May. 15, 2006
    Location
    Eastern WV Panhandle
    Posts
    1,246

    Default

    Quote Originally Posted by hb View Post
    Having trouble remembering the exact limits as it's been a while since I set one up but I know that FSAs are definitely higher than $2,400.
    FSA's are capped at $2,500 in 2013 (up for $2,400 in 2012) as part of the ACA. The limit used to be much higher.
    HSA's are capped at $6,450 in 2013 for a family plan.
    http://www.bankrate.com/finance/insu...as-hsas-1.aspx

    I would get the surgery ASAP. What if DH loses his job?



  11. #11
    Join Date
    Jan. 26, 2006
    Location
    Fort Worth, Texas
    Posts
    4,272

    Default

    used to be $6,000



  12. #12
    Join Date
    Sep. 24, 2004
    Location
    Piedmont Triad, North Carolina
    Posts
    2,233

    Default

    Speaking from someone that had hip surgery. If your ankle needs surgery... Do it now... sooner the better. First of the year is best since your deductable is met sooner & then you'll have that benefit all year.



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