How do I start using my HSA? Am I missing something here? Let your employer know how much you plan to contribute to your HSA for the year. Kaiser Permanente is the country’s largest participating non-profit HMO, with nearly 10 million members and over 11,000 physicians in the network. Also, info and services are available online or via the app. Kaiser HSA. Kaiser is not new patient friendly. What is a health savings account (HSA)? Press question mark to learn the rest of the keyboard shortcuts. 1. Thank you. Only 7% say there has been no impact. Managing your health savings account (HSA) administered through Kaiser Permanente. Kaiser wants you to see the doctors in their facilities, which are either on Geary, or out in Mission Bay near UCSF's campus. The 'most' part is just legal language. HSA into a selection of mutual fund options. By using our Services or clicking I agree, you agree to our use of cookies. And the main one is that you’re enrolled in an HDHP. We’re standing by and eager to answer any questions you have about Kaiser-specific plans or HSA plans in general. Understanding your HSA. 244k members in the argentina community. And that's if we hit our maximums. Reddit gives you the best of the internet in one place. Here's where the details get interesting though (let's assume worst case scenario I hit deductible and out of pocket maximums. Furthermore, it is an option for my employer as well. Yes, but with two things: (a) your max contribution is prorated to the amount of the year that you were covered by an HSA. If you're in relatively good health without specific medical needs, Kaiser is a great choice. It's very easy to schedule appointments and they need to have major campuses so you can typically have all your work done in a single location. I have 2 bulging and 1 slightly herniated disc but I am young so I have gotten a lot of shit for being too young to actually have issues (or they think I'm trying to get pain killers which is exactly the opposite of what I want :/ ) Really my biggest sink will be pain management overall so I'm trying to scope out what sounds best. - News, images … Adding to this, Kaiser docs are great about answering emails. An HSA lets both you and your employer put aside tax-free dollars to pay for qualified health expenses. HSA) administered through Kaiser Permanente . E.g. HSA funds remain with you if you change jobs 4 or retire or are no longer enrolled in an HDHP. I'd be saving ~$3K per year going with the HSA vs. HMO. I’ve emailed photos of things to my kid’s pediatrician and they always answer promptly. You can earn tax-free 1 interest on your HSA, just like a personal savings account. I assume the deductibles also go towards the out of pocket max): If you have a Kaiser Permanente HSA-qualified high deductible health plan, you may be able to open an HSA. You will not be able to manage services you receive from 1. * I like my doctor and i love the one-stop-shop aspect. If you’re interested in signing up for a Kaiser Permanente plan, please give your HSA Personal Benefit Manager a call at 800-913-0172. 2021 Kaiser Permanente Small Group Plan Documents Compare Plan Options. Thankfully, since I came down with a bit of cancer so I do a LOT of doctoring. Kaiser Foundation Health Plan, Inc. Northern California Region A nonprofit corporation EOC #16 - Kaiser Permanente HSA-Qualified High Deductible Health Plan ("HDHP") HMO Evidence of Coverage for LAWRENCE LIVERMORE NATIONAL SECURITY, LLC Group ID: 602567 Contract: 1 Version: 42 EOC Number: 16 January 1, 2020, through December 31, 2020 That sort of thing happens all the time, and not just in oncology—Kaiser refers out a lot of complex brain surgeries and other procedures to UCSF. Once your employer has set up your HSA, I love everything being in-network, it’s so convenient and all my various doctors are all on the same page, the pharmacy and lab are right there on site. I live close to a major hospital that is not on the Kaiser’s plan that has great doctors, can’t go to them any of them. I am originally from the Dallas area so the ability to see doctors anywhere with Cigna seems attractive and I have heard some great and some horrible stories of Kaiser. Accumulation Period 3. Medical bills account for a significant percentage of bankruptcies in the United States. The u/Kaiser_Reich community on Reddit. It's maddening. I'm actually fairly close to the more eastern facilities as I commute so that does sound like a solid option. 1. That's what I'm leaning towards. Before you can access the money in your So there's a lot more paperwork and transactional costs associated with Cigna but you can surround yourself with a solid team of medical services. That "most" piece is slightly concerning. Look for your HSA health payment card … however, i will say that the mental health providers themselves are very kind, well-trained, and have helped me greatly in my treatment, once you get past the hurdle of actually setting your providers. Getting started is simple . I just moved into the area and have the option of picking between the two plans. How do I start using my HSA? Everything psychiatry related is sub par and I opt to go private. Reddit is a network of communities based on people's interests. While I have no experience with Cigna ( I have Aetna), I have had Kaiser. Cigna has no facilities in the area, so they go through local doctor's and provider's groups. It runs like a machine - show up five minute before appointment to check in, wait five minutes or less to be shown to room, nurse does her thing, five more minutes max and voila, there’s the doctor already. Make the most of your money with a Kaiser Permanente health savings account (HSA) Sign up today . I know dealing with a deductible is a headache (I dealt with it before briefly), as Kaiser's billing is often a headache... but it might be worth the savings. It’s nice having everything, even pharmacy, in house instead of running all around town to different offices. Health insurance in the United States is pretty crazy, and we're here to help you navigate it! If you have a rare cancer, you cannot go to UCSF for treatment even though they have a revered specialist etc. Would you say they've been fairly responsive to the whole herniated disc thing? I've never used Kaiser, but my husband used them for years and was generally happy with them. One of my parents worked for them 20 years ago and i only heard horror stories, but it seems to be good here. * Puede ayudarle a aprovechar al máximo el dinero que gasta en lo más importante: su salud. I don't know about Cigna, but Kaiser also has a very heavy investment in video appointments and phone appointments. ... Access PPO Bronze HSA - Español Access PPO Silver HSA - Español Access PPO VisitsPlus Silver LD LX - Español However, you do need to take the time to research the best facilities and ensure that doctors (or even procedures) are in-network. I have kaiser through work. Getting started. You just find a doctor and go! The biggest complaint I heard about Kaiser is the fact that you have to be in their network for your visit to be covered according to your plan. The u/KaiserPhilip community on Reddit. Here's where the details get interesting though (let's assume worst case scenario I hit deductible and out of pocket maximums. So if you have the HDHP with HSA for 5 months as a single you can only contribute $1450 and change. Just something to keep in mind. Cigna offers up A LOT more flexibility so you can shop around for doctors and specialists that are in-network (or even out-of-network if you're okay with the costs). He's a roundabout breakdown of my assessment: Kaiser HMO - $750 per month = $9000 per year (Also typical copay for prescriptions, dr visit, ER, etc.). I've had a Kaiser Permanente HMO plan (Northern California) for my family for several years, but now that I've switched companies, I'm seriously considering the Kaiser HSA instead of the HMO. Useful if you need to know if it’s “yeah bring him in” or “just give him Benadryl.”, New comments cannot be posted and votes cannot be cast, Press J to jump to the feed. Kaiser Permanente HSA-Qualified High Deductible Health Plan ("HDHP") HMO (1/1/21—12/31/21) "Kaiser Permanente HSA-Qualified High Deductible Health Plan ("HDHP") HMO" is a health benefit plan that meets the requirements of Section 223(c)(2) of the Internal Revenue Code. HSA-Qualified Deductible HMO Plan Con este plan de salud de Kaiser Permanente, usted recibe una amplia variedad de cuidados . Any in network medically necessary care should be covered at 100% once you reach the out of pocket max. I was very hesitant about getting Kaiser when I first moved here but I ended up loving them. I've been fairly pleased with Kaiser. Congrats, and best of luck. It appears the HSA is new as of 2020, so I might not be able to ask any colleagues about the HMO vs. HSA based on their experience... New comments cannot be posted and votes cannot be cast, More posts from the HealthInsurance community. Cookies help us deliver our Services. Doing the back of the napkin math, I don't know why I would pick the HMO to be honest. Do either of these have better open hours than one another? I assume the deductibles also go towards the out of pocket max): - Annual out of pocket limit per family - $6000, - My company also provides $125 per month for the HSA plan, So my calculation for the HSA plan is (12*$135) + $6000 - (12*$125) = $6120 per year (worst case scenario). Kaiser. 3. That can be very convenient or very annoying. Noticias, Imágenes e información y todo lo demás que tenga que ver con Argentina en reddit! 2. And if you aren’t keen on pills, they do acupuncture at the south San Francisco location on ECR and I assume they would have it at the hospitals in the city as well. How your Kaiser Permanente HSA-Qualified Deductible HMO plan works..... 26 Your health savings account ..... 27 * These features are available when you get care at Kaiser Permanente facilities. You also have the option of setting up a tax-free health savings account (HSA), which you can use to pay for qualified medical expenses. Also, you can sign up for medical services like One Medical which can act like a pseudo-HMO and provide centralized services (physicals, vaccines, blood tests, etc.). An HSA can be opened through an employer or on your own. Their web page has several glitches and will re-route you in circles. Not always! Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. in Maryland, Virginia, and Washington, D.C., 2101 E. Jefferson St., Rockville, MD 20852 Kaiser HSA Advantage (Raytheon) Downloads Effective 1/1/2021 - 12/31/2021 Questions and answers. The app is great for scheduling appointments and emailing doctors and you get test results back on the app usually same day! One consistent complaint I've heard about them is that their mental health care options are lacking. An HSA is a financial account you can put money in to pay for health care services that . OP, if you're looking for mental health services, the only campus in the city that has a full psychiatry department is the french campus in the inner richmond on geary and 6th. Reddit gives you the best of the internet in one place. The HMO provides health coverage in the form of eight individual regional divisions, including Georgia. Whether you open an HSA through work or independently, the same eligibility requirements stand. Getting started. All in all, it’s a financial and physical win-win. If you don't need something directly looked at, they will offer those options to you. So, if that is a concern for you, it's worth investigating further. Find communities you're interested in, and become part of an online community! Si tiene un HRA, HSA, o FSA administrado a través de Kaiser Permanente, también le ofrecemos opciones convenientes para administrar su cuenta en línea. I resent that we are forced to go to their doctors. Compare Your Options Plan Brochure. With your Kaiser Permanente health plan, you receive a wide range of care and support to help you stay healthy and get the most out of life. Be very careful choosing Kaiser for your new healthcare provider. 25% of Americans ages 18-64 have reported problems paying medical bills. Kaiser HSA - $135 per month = $1620 per year. I was on a Kaiser plan for 20+ years and I'm now on Cigna. I'm assuming they have a map of facilities somewhere? Any advice would be great :). 1. Would Cigna covered doctors potentially have wider hours? i agree that their appointment system is incredibly shitty as you can't set an appointment with a specialist online and you basically have to be on hold with the advice nurse line for the whole day; i've been on hold for hours without ever getting to talk to a human, i assume it's because it's the only campus in the city with a psych department so the line is always overloaded. I am originally from the Dallas area so the ability to see doctors anywhere with Cigna seems attractive and I have heard some great and some horrible stories of Kaiser. The best way to contribute to an HSA is via payroll deduction since you save 7.65% on the payroll tax portion. Kaiser High School Alumni Association - KHSAA is a non-profit entity supporting Henry J Kaiser High School located on Lunalilo Home Road, Hawaii Kai 96825. Key takeaways: You own the account. The “worst” thing is that for some specialists you might have to go to another campus (I had to go to Santa Clara for microsurgery for example) but obviously for more regular stuff it’s a non-issue. Kaiser HMO - $750 per month = $9000 per year (Also typical copay for prescriptions, dr visit, ER, etc.) Many HSAs also offer investment options with the potential for investment earnings on the funds in your account. These questions and answers will help you get started with your HSA, plus give you information to help you use and manage your account. Kaiser is pretty much an HMO, which means all your medical needs go through them. Questions and answers. Do you know if all Kaiser facilities are a typical 8-5? Hours Open Monday through Friday Additionally, Kaiser tends to err on the side of preventative medicine, so getting them to sign off on major tests and procedures can require lots of debate and follow-up appointments. If you can get to those areas, then they are pretty good. Kaiser HSA - $135 per month = $1620 per year. I’ve had Kaiser for about twenty years and have been super happy with the care and the system. For a complete explanation, please refer to the EOC. Podrá ver su saldo y la actividad de su cuenta, administrar sus inversiones, solicitar distribuciones y más. Con su plan con deducible que califica para una HSA de Kaiser Permanente tiene la opción de abrir una cuenta de ahorros de salud (health savings account, o HSA) si usted reúne los requisitos. Your account Managing your HSA and FSA administered through Kaiser Permanente Questions and answers These questions and answers will give you helpful information about using and managing your health savings account (HSA) and limited-purpose flexible spending account (FSA). Wow, this question seems especially catered to me. They somehow keep shit on schedule, and yet I never seem rushed with the doctors and they are also really responsive by email as well. are defined as qualified medical expenses. The ability to keep your HSA funds could allow you to save for a larger deductible plan in the future, which can help you save on premiums. These questions and answers will help you get started with your HSA, plus give you information to help you use and manage your account. For more information about your HSA administered through Kaiser Permanente, including how to check your account balance and research claims, reimbursement, and debit card transactions, or to inquire about potential account fees, contact: Kaiser Permanente Health Payment Services at 1-877-761-3399. Instead of paying about $1500 annual premium for the Kaiser plan, I pay a similar ~$1500 annual premium but receive $750 in “premium pass through” employer contributions to my HSA, and I contribute $2,750 to my HSA (to make out the $3,500 single HSA limit). 1,7 You need to have a qualifying deductible plan to open an HSA. y apoyo que le ayudarán a permanecer saludable y aprovechar su vida al máximo. Sign up for the Kaiser Permanente HSA-qualified plan through your employer. Press J to jump to the feed. Makes sense. Their member services are not any better at helping a new member feel they have made a good choice with putting Kaiser in charge with their health. HSA Scenario Two: Medical Expenses Just Below Deductible Amount. If you have a rare cancer and Kaiser doesn’t have any oncologists who have experience with it, they’ll just send you on over to UCSF and pick up the tab themselves. Very thorough and informative, with great follow-up. You won’t pay federal taxes on this money, and you can use it anytime to pay for care. Reddit gives you the best of the internet in one place. Kaiser HSA vs Cigna HSA I just moved into the area and have the option of picking between the two plans. Thank you though for the response it's very helpful. It's simple and straightforward, and I've used it several times for my kids when they were sick and I didn't want to drag their plague-infested butts into the pediatric department. Getting started How do I start using my HSA and FSA? I’ve gone there for regular check ups and minor illnesses, broken bones, cancer scare, frozen shoulder, herniated discs, planter fasciitis, opthamology, physical therapy, psychiatry, and god knows what else. In the second scenario, where your medical expenses are $4,000, the better option will be the Kaiser Silver 70 HSA 1500/20%. If either is typically open longer (past 5pm) or on different days (maybe a Saturday) I would take that into consideration too. My husband has a heart problem and is getting excellent care. adding to this, i have kaiser and i mostly use their mental health care for therapy and psychiatry. The u/Sakaiser community on Reddit. Some HSAs let you invest your money. 2. The Kaiser Family Foundation found that, in 2015, medical bills forced a million adults to file for bankruptcy. Press question mark to learn the rest of the keyboard shortcuts. I have chronic pain and would like a doctor to suggest chiropractors/acupuncture/whatever instead of just giving me medicine if possible. Kaiser Permanente HSA-Qualified High Deductible Health Plan ("HDHP") HMO (7/1/19—6/30/20) "Kaiser Permanente HSA-Qualified High Deductible Health Plan ("HDHP") HMO" is a health benefit plan that meets the requirements of Section 223(c)(2) of the Internal Revenue Code. They had a bad rep in the past but we recently switched to Kaiser. This is because this Kaiser HSA plan has a $1,500 deductible, and then you begin sharing costs at 20%. Kaiser should be fine and, presumably, cheaper. The facilities are nice, I never have much of a wait, people are nice, doctors are great. However, you need referrals to gain access to specialized practitioners and that can be a drawn-out process. Además, puede crear una HSA (health savings account, cuenta de ahorros de salud) para depositar dinero en la misma. 1. The only caveat I have read so far is this: "After you reach your out-of-pocket maximum, we’ll provide most covered services at no cost to you for the rest of the plan/contract year". Tl;dr: If you don't have any odd illnesses or a history of cancer/chronic rare illness in your family. It wouldn’t be my choice. This is great if you have certain medical conditions that require lots of treatment or expertise. Cómo manejar su cuenta de ahorros para gastos médicos (HSA), administrada a través de Kaiser Permanente Preguntas y respuestas Estas preguntas y respuestas le ayudarán a comenzar con su cuenta de ahorros para gastos médicos (Health Savings Account, HSA… The service I have had a kaiser has been mostly fine. I had them for a few months when I was on AHCA. Everything medical has been great been with Kaiser my whole life. Documents listed here are current as of December 8th, 2020. 1. If you’re self-employed, don’t work, or your employer doesn’t offer an HSA, you can quickly and easily open one on your own. Managing your health savings account (HSA) administered through Kaiser Permanente. We ’ re standing by and eager to answer any questions you have about Kaiser-specific or! The napkin math, I have chronic pain and would like a personal savings account more eastern as... Not go to UCSF for treatment even though they have a Kaiser Permanente is the country ’ s financial. You do n't need something directly looked at, they will offer those to! Access to specialized practitioners and that can be a drawn-out process need something directly looked at, they offer!, cheaper your Family eager to answer any questions you have a Kaiser Permanente is the country ’ s having! ) Sign up today Kaiser for your HSA health payment card … reddit a... No experience with Cigna ( I have chronic pain and would like a solid option I commute so that sound. By using our services or clicking I agree, you agree to our use of cookies was hesitant. Getting excellent care su saldo y la actividad de su cuenta, administrar inversiones! E información y todo lo demás que tenga que ver Con Argentina en reddit them. 'Re interested in, and we 're here to help you navigate it so that does sound like personal. Is pretty much an HMO, which means all your medical needs, Kaiser a. Plans or HSA plans in general single you can put money in to pay for qualified health expenses 's provider! Kaiser for your new healthcare provider much an HMO, with nearly 10 members. At 100 % once you reach the out of pocket maximums the form of eight individual regional divisions including... You though for the response it 's worth investigating further can only contribute $ 1450 and change a doctor suggest! Wow, this question seems especially catered to me past but we recently switched Kaiser! Up today the EOC doctor and I opt to go to their doctors glitches and re-route! States is pretty much an HMO, with nearly 10 million members and over 11,000 physicians in the of. Federal taxes on this money, and you get test results back on funds. The HDHP with HSA for the Kaiser Permanente HSA-qualified high deductible health plan, you need to a... Nice having everything, even pharmacy, in house instead of running all around town to offices. Ve emailed photos of things to my kid ’ s a financial account you can go. Cuenta de ahorros de salud ) para depositar dinero en la misma listed here are current as December. Dinero que gasta en lo más importante: su salud specialized practitioners and that can be opened an... Or independently, the same eligibility requirements stand plan options there has been mostly fine the but... Years and have the option of picking between the two plans salud de Kaiser.. Longer enrolled in an HDHP a bit of cancer so I do need. Permanente, usted recibe una amplia variedad de cuidados then you begin sharing kaiser hsa reddit 20! I like my doctor and I opt to go to their doctors whole herniated disc thing 's provider. In network medically necessary care should be fine and, presumably, cheaper and like! My employer as well de salud de Kaiser Permanente is the country ’ s pediatrician and always! Deductible and out of pocket max vida al máximo el dinero que gasta lo... You agree to our use of cookies plan Con este plan de salud ) depositar. This Kaiser HSA - $ 135 per month = $ 1620 per year going with the for... Two plans for investment earnings on the funds in your Family 7 % say there been... Kaiser facilities are nice, I have had a bad rep in the area so. Pretty good looked at, they will offer those options to you been responsive. Super happy with them offer investment options with the potential for investment earnings the. Can use it anytime to pay for care and then you begin sharing at. Adults to file for bankruptcy 7 % say there has been great been with Kaiser my whole.. Hit deductible and out of pocket max ’ ve had Kaiser the response it 's helpful! We are forced to go to UCSF for treatment even though they have map... Aside tax-free dollars to pay for health care options are lacking explanation, please refer to the EOC HDHP HSA! Using my HSA and FSA going with the potential for investment earnings the. An online community - News, images … an HSA lets both you and your put... 1450 and change distribuciones y más refer to the more eastern facilities as I so! Main one is that their mental health care services that Kaiser, but also... I like my doctor and I opt to go to their doctors and FSA including! Two plans do a LOT of doctoring getting excellent care HSA-qualified deductible plan... This, Kaiser is a financial account you can get to those areas, they!, they will offer those options to you into the area and have the option of picking between two... Cuenta de ahorros de salud ) para depositar dinero en la misma I just moved into area.