The insanity of attempting to use your #fsa and #insurance plans. #mangledcare

The flexible spending accounts (FSA) are one of the more under utilized benefits by many of my co-workers.  The net is that you can legally allocated up to $2500 (as a single person) designated from pre-tax dollars to pay for prescription medications, physical therapy, medical co-pays, etc.  Usually (keyword) it works like a charm; you go to the pharmacy to pay with the debit card and it’s done.

Until one day, you receive in the mail letter stating that they company managing the FSA system (in my case PayFlex) sends you a letter stating they need “an itemized receipt for the treatment received”.  It’s a Dante worthy ring of hell adventure just this side of having to be the unfortunate soul to cuts Donald Trump’s hair. Really.

Being a proper Gen Xer, I first tried to solve this issue on-line.  Being a total type A, save documentation you probably don’t need person, I pulled out the “Welcome to PayFlex” guide.  Any reasonable, logical, sane person would have waited until Monday to handle this over the phone.  After spending a few hours playing with the web site, I gave up and called.

I swear on Jackson’s life that the reason why costs care are what they are is because of the sheer ineptitude of the industry to become seamless.  It would save them money (increase profits), probably decrease secondary illnesses related to things like increased stress from dealing WITH insurance companies.  The reality is that none of these the issues I’m have their roots in the currently being enacted Health Care Reform Act/Obamacare.  My hope is that the new act will only LESSEN the frustrations.  I don’t have hope because the system is so entrenched.

So back to the attempt to use my FSA account. . . .

I mailed back the detailed receipt as requested.

They denied the claim.

I called.  Why was this denied? You didn’t use our form.  Uh, great but it doesn’t say to send a claim.  I read her the letter (really) and it didn’t mention a claim form.  A few transfers letter, they’ve agreed to re-review bill without the form since, you know, they don’t require it.

Back and forth, they ask if they can fax me something (no, I don’t have a fax number).  They are stunned.  I’m stunned.  I ask them to send me the form in the mail (true story: my printer broke and since I can use the printer at work? Why bother: most of my life is paperless) since I don’t have a printer.

Back on hold; they aren’t sure if they can mail me the form since it’s on-line.

More conversation, she keeps suggesting to me to use the online feature(s).  I wholly agree but I point out to her that since I am using my iPad, there is an encryption mismatch.  I agree to use my notebook to register for the services.  Turns out, my employee ID number wasn’t long enough: I needed 2 leading zeros. Turns out the zip code that I’m supposed to use is not mine but my employers (not in the information).  Log in.

Very first line? “New mobile applications for iPhones, iPads, Andriod and Blackberry.”

Somebody just send me Bully Boy Vodka.

 

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