I don’t know anything about them at all. Mr. A’s COBRA insurance expires either this month or next and I was thinking maybe we should take that $145/month and put it into an HSA.
Does anyone have some pointers on HSAs?
Mr. A rarely gets sick so he’s been annoyed with me for continuing his insurance through his last employer. I just worry about catastrophic events like poor David over at Goliath Debt, David Income. Congratulations David, on your new baby! Unfortunately some medical emergencies have also brought LOTS of new debt. Very sad.
I think when Mr. A gripes at me for keeping his coverage, and I say, “But what if something happens? Like you break a leg?” He just pshaws me and says nothing will happen. I tell him as long as there is the opportunity to have medical coverage, we’re paying for it. But of course that opportunity goes away soon. Hence the HSA.
I can see his point in not feeling he needs medical coverage. And I actually greatly dislike the allopathic community and they way they handle illness and disease. Don’t try to fix the problem, just slap some medication down, that’ll fix everything.
A couple of years ago I went to my primary care physician, or maybe it’s been four years now… anyway, I am certain that my thyroid is low functioning due to my basal temps being very low (as low as 96.3°F for about 2/3rds of my monthly cycle). I told him my suspicions along with my other symptoms, and he sent me in for bloodwork. Well, it’s common for thyroid bloodwork to come back “normal”. This is a problem where you sometimes need to be observant and treat the patient based on symptoms.
Anyway, he called me back to let me know everything was “normal” and offered to prescribe me some depression medication.
I flatly refused his offer and told him if I was depressed I’d go talk to someone about it until I felt better.
Sorry for the rant. Now I still haven’t done a thing about my thyroid being out of whack, and in addition I believe I have adrenal fatigue. I’m so tired most of the time I can’t even work up the gumption to find a doctor to see about my issues. Not to mention it isn’t covered by my “normal” insurance anyway. Normal doctors don’t even see adrenal fatigue as something to treat. And in fact, you can’t just “treat” it with medicine. You have to change your way of eating, your lifestyle, get more sleep, and etc., but it can be done.
And one more thing medically related, while I’m on the topic.
I am not made of money, but in a previous post I discussed how fearful my son is of his blood being drawn. We have not yet attempted to have any testing done, but guess what I found out? There are tests that can be done using a SINGLE DROP OF BLOOD taken by NEARLY PAINLESS FINGER PRICK at home. No sticking needles into a vein required. When it comes time to have the tests done, I will have saved the money to pay for them out of pocket, since I know his insurance would never cover something so simple and easy. Here’s the place: ZRT Testing – Bloodspot.
Okay, back to the subject at hand. Any good sites you know of where I can read up on HSAs?