my fiasco with my flex spending account?
It started last year, enrollment time. I looked at the program, looked at the reference sites, and called people. Everyone was saying the same thing. “Of course you can use it for insurance premiums.”
Unfortunately, the pit of my stomach was queasy. It could be the large amount of money I was allocating that was non-refundable, that I didn’t feel was properly documented. It could be that people where brushing my concerns aside. It could be that I called my program administrator and she was absolutely positive that it was covered, but had NOTHING to back it up. I’d ask for a list, and was sent to the administrator and the administrator sent me to the internal administrator.
Well, two months into the program, I got a rejection for my reimbursement. I called again. What I got was, “Oh, I didn’t understand you meant insurance premiums. Our plan doesn’t cover that.” And the fact that I explained in detail what I was doing, never gave you an idea that I meant insurance premiums!”
I won’t bore you with what transpired after that, but I was irate to say the least. After well worded emails and telephone calls, unless I wanted to find a lawyer and pursue legal action – since I like my job - I wanted/needed another solution.
In nine months, I submitted everything under the sun to receive reimbursements. And I only managed to use half of the amount. While we were cycling, I had secret hopes of getting pregnant, and have it be used towards OB co-pays and other expenses. But, I didn’t get pregnant. We decided to take a break.
There are only two more months to use our left over money or we will loose it.
So, did I tell you that both my mother and sister have both gotten eye corrective surgery in the last few months? They can’t stop raving. Did I tell you that my eyes are really bad? T has been telling me to get L*SIK done for YEARS. That I have only been putting it off – just incase I got pregnant because my eyes could change with a pregnancy.
In my practical, trying to kill two birds with one stone approach to life, I found a way to use the money and help me learn to live life without the if/when we have a baby equation.
So, my surgery is scheduled on Friday the 2nd. A week from today! I’m a little nervous about the procedure to say the least. I have no expectations over the results. My eyes are really bad, so bad that I don’t qualify for L*SIK, but I do for L*SEK. (A slightly different procedure that is just as successful and less chance of complications but a longer recovery time. So I may not be reading for several days – maybe up to a week.)
And even though, my fear is very real. I’ve decided to do this. Or as T says, “Unless I can buy a therapeutic g*n for the money in that account, you are getting that surgery!”
For the time being I am trying to breathe, meditate and relax over the procedure. Also, I am going to ignore that because of the flex fiasco, I used more money on medical expenses than I possibly want to admit. (Hoping we can use towards our taxes.) And focus on, goodness, I may able to see without glasses, contacts, or both in a week!