Reddit Geha Hdhp - GEHA Elevate vs HDHP for Single Person : r/fednews.

This year, we're moving to the high for Invisalign coverage. Example: I needed an MRI in the first weeks of the year. Wha 20 closer look at health savings …. This is because the final 2022 passthrough is deposited in. I would look at BCBS FEP or an HDHP also. I know you can invest the HSA money, but even still, I'm having a hard time understanding. com 800-821-6136 2021 A Fee-for-Service High Deductible Health Plan Option with a Preferred Provider Organization IMPORTANT • Rates: Back Cover • Changes for 2021: Page 15 • Summary of Benefits: Page 125 This plan's health coverage qualifies as minimum essential coverage. I am the fed employee, looking to switch from BCBS Std to GEHA HDHP. So far everything was covered at 100% after we hit the deductible. GEHA premiums are lower and co-pays less, but an unplanned surgery or an ER visit will end up costing you much more with GEHA. If you work or worked for the federal government, you may be eligible for a dental plan from the Government Employees Health Association (GEHA), a non-profit insurance provider tha. 28 for the premium + deductible not covered by HRA. So I don’t have vision insurance, I wear contacts so I use it every year. 30-day specialty CVS exclusive non-preferred brand-name. DM if you need links for these tools - soliciting tools aren't encouraged in reddit communities. zillow west boylston You don't need to register for additional dental benefits, they come as part of the card. I also like GEHA because they offer basic dental and vision with the HDHP plan- no need for a supplemental insurance if you don’t need extensive work done. 18 t you pay for in-network benefits. Just for reference I’m in my 20s I just need a PCP visit, eye doctor visit for contacts and glasses, and dentist for cleanings and new retainers, maybe a mental health. I can’t recall the name of the testing company, but basically we chose to do the genetic testing (this is testing for chromosomal disorders, plus you learn the sex), the company contacted GEHA, and the company notified us that if we sent the testing to …. Yes, you can contribute additional funds directly to your preferred HSA account without going through HSA Bank. I can't speak for the intricacies of the workings of the plans themselves, but as an observer and someone who has to deal with claims on a daily basis, GEHA is waaaaaaay better than BCBS, even though the pharmacy side of …. When you return the form, then GEHA should open a HSA Bank Account for you. It helps to suppress appetite through. Re-upping this thread now that the 2023 FEHB plan information is out. I had GEHA HDHP for a while as I never used to go to the doctor. GEHA HDHP takes $75 off my premium from each paycheck for each month and deposited the total amount once a month at around the 15th of the following month. The standard plan is going to be $4,286. Like all federal plans, GEHA's HDHP covers preventative care, PLUS it covers all routine dental work (unusual) without touching the deductible. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity - directly from Fidelity Associates. A year ago I enrolled in GEHA's HDHP, and along with it, HSA Bank. What is peoples experience with GEHA Standard or HDHP thus far for hospital visits, surgeries, etc. It's quite an unusual plan for including dental and vision, though you will run into this issue less with vision since you get an EyeMed card. It’s a great deal on health insurance and more tax advantages space to put money away into index funds. Maybe it isn't a terrible recommendation. GEHA Standard is a co-insurance plan of 15% rather than a co-pay plan for services which BCBS Basic is. Additionally I'm trying to decide if I want to contribute to a LEX HCFSA, primarily for my wife's yearly supply of disposable contact lenses. If I wasn't getting orthodontics I wouldn't have dental, GEHA HDHP health covers 2 cleanings and 1 X-ray per year. 30% annual fee ($3 per $1000 invested), but will. I apologize in advance for the rather lengthy post here, but I am grateful for whatever knowledge you all may bestow on me. What I didn't know is that their HSA is administered through a company literally called HSA Bank. Expand user menu Open settings menu. 16 Get help coordinating your care, step by step. For MHBP Consumer that's 2000 for self and 4000 for self plus 1 or family. I opened an HSA account specifically to invest the HSA funds. and International, Federal, State, or local. It depends on what kind of infertility coverage you require. I'm having the same issue, 2022 was also my first year with GEHA HDHP. Some will take it from the medical side others will only take the dental side that you get from FEDVIP - check before you go so you don't get a bill from the Dentist Keep in mind the 2x a year is just cleanings - most dental places want 1 set of x-rays a year which you would pay for out of pocket. The only thing I have not liked about switching to GEHA HDHP from BCBS Standard is how absolutely crappy CVS Caremark has been under GEHA vs my years of experience with them for years under BCBS. In my experience in-network co-pays and prescription costs have been lower. Meaning that if the drug cost $3000 and a coupon brings it down to $50, I pay $50 but $3000 goes towards my deductible. I've heard a lot of hype around the GEHA HDHP plan but I don't 100% jump to content. Out of pocket maximum is $6,000. 5/month) membership fee, ~$30/month GEHA dental plan from FEDVIP, ~$8 VSP vision plan from FEDVIP = $64. For the GEHA HDHP, my understanding is that HSABank is the designated handler. I've been much happier with MHBP HDHP, with the automatic HSA contributions it makes the deductible cheaper then most HDHP and co pays are one of lowest offered once deductible is met. GEHA HDHP - frustration with provider billing issues. For out-of-network benefits, check the GEHA Plan Brochure. Veganism: A philosophy and way of living which seeks to exclude—as far as is possible and practicable—all forms of exploitation of, and cruelty to, animals for food, clothing or any other purpose; and by extension, promotes the development and use of animal-free alternatives for the benefit of animals, humans and the environment. Moderate ER visit (level 2 out of 5) for my area is around $1600. lvs12 vs lvs32 Standard spectacle lens (pair) Plastic single vision. Outpatient surgery: 2022 $100/day -2023 $150/day Laboratory test: 2022 free - 2023 15% of test cost Inpatient admission: 2022 $175/day w/ $875 max - 2023 $250/day w/ $1500 max. That is a choice made by the plan. If you max out, your account will hit five figures quickly and there will be no medical expenses you can’t handle. I know of people who paid $50k for infertility in the last few years. The medical account contributions are $1800 vs $2400. BCBS Basic (Oh boy): PCP: Increase from 30 to 35 Specialist: Increase from 40 to 45. We have BCBS basic for years and never thought about comparing it to other plans since most of my colleagues use that plan. If your question relates to COBRA under CARES and ARPA, please post here: COBRA & Covid-19 Please pick the most appropriate flair for your post. We are family of 4 with 2 young toddlers that. If you have special concerns or questions about utilization of your maternity benefits, a GEHA maternity nurse is available to assist you. Got a question for those who have the GEHA HDHP plan for this year. Only thing that doesn't work is pharmacy, MHBP only reimburses for in-network pharmacy (CVS) which strangely does not. It costs like $50 upfront, you pay by CC. GEHA HDHP's maternity care benefits only kick in after the $3200 deductible is met. Reddit says that it'll begin charging certain developers and organizations for access to its user-generated content. Your total contributions posted in 2023 (Form 5498, Box 2) will include up to 11 passthroughs for 2023 AND the final passthrough for 2022, if you received it. The only issue I have found is that at least in Maryland, GEHA claims to use the. There are 2 others in my family that will need glasses/contacts. View community ranking In the Top 5% of largest communities on Reddit. 25M single, I got GEHA HDHP last year, I noticed this year I seemed to just pay the deductible and the year is going to end, and I feel like all I…. Combined with the low cost, $900 pass through, and ability to have all of your other expenses tax-free, I'd say do the math. GEHA Standard, High and HDHP medical plan members have access to the following preventive care dental benefits: Standard: High: HDHP: (Exams, prophylaxis and fluoride) are paid at 50% of GEHA's allowable amount. Surgery and hospital stays are at a 15% coinsurance for GEHA standard while BCBS Basic are flat co-pays between $150 to $250. GEHA HDHP is nationwide, so it’s far easier to recommend to most feds, especially those who don’t live in DC. Normally I recommend GEHA HDHP but not for pregnancy related stuff, especially if you end up needing to meet your deductible twice. I live in NJ and have GEHA high option (same network as HDHP). Recently converted/signed up for GEHA HDHP on postalease but am kind of having trouble doing anything more than that. The $700 in premiums for the standard plan were worth the cost to get the dentist of our choice. You can pay your expenses with pre-tax dollars with GEHA, save you 25% of 3450 plus lower premiums something like $1500 in savings. " It states that for all in-network care, "Plan pays 100%" for almost everything (Specialists, Mental Health, Lab tests, etc). If you take the $1400 and subtract the $900 that you get free in the HSA you are down to $500. UnitedHealthcare Dental and Vision are the best that I’ve seen in the DMV area when I did my comparison of FEDVIP plans. Considering GEHA standard has a deductible of $250, that’s not hugely different. Dedicated to individuals who work for or aspire to work for the U. GEHA HDHP – Advice Needed! by wangy26 » Thu Nov 22, 2018 3:07 pm. So the choice should really be about al the other variables IMHO (out of network, cat cap, etc) It doesn't (assuming the family plans). I see a lot of specialists about 5 times a year so I think I can blow through the deductible on the GEHA HDHP no problem then I should be covered 95% after that. During my research on this, I did find GEHA's HDHP brochure and that one specifically says it's covered at 100%, whereas the brochure for the standard and high plans only says "covered"and does not specify a percentage. GEHA Medication coverage if you take any brand names is very expensive since you either pay 25% or 40% of the full cost, whereas on CareFirst, the generic meds are free once you hit your. Hi all! Hope you all had a nice Thanksgiving! I'm a relatively new fed and was thinking of changing health plans for next year and was looking at the GEHA HDHP. GEHA HDHP AND DENTAL COVERAGE BENEFIT. One network includes the university of Utah, the other doesn't. We put together a beautiful package with letters from my kid’s physicians, therapists, and detailed exactly what we were asking for. It's actually cheaper since the deductible is $100 less and flow through contribution is the same. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. This will become the standard for health plans. Plus I get the $900/year onto my HSA for medical expenses if. It has been a month of me being in the GEHA HDHP plan but I've seen no contributions. I'm thinking of switching to the GEHA HDHP for the HSA contributions and since it comes with some dental. I also really like GEHA and have had positive customer service experiences. I called the number provided which simply goes to the CVS/Caremark specialty pharmacy which is the. The dental (2x cleanings, x-rays, fluoride) and vision (I think 1 exam per year?) benefits are free out of pocket, no deductible to meet. Insurance covers $2800, you cover the remaining $700. Reddit's home for tax geeks and taxpayers! News, discussion, policy, and law relating to any tax - U. HDHP is likely cheaper overall - if you use your HSA. Downside is that the HDHP won’t start covering you until hit the deductible, which is likely higher than the standard plan. Let's call that $700/year in premiums. For example, my August 2020 passthru money was deposited in HSABank the second week of September. With GEHA HDHP you probably pay a little less for the same surgery with the preloaded HSA, the lower premium, and then the 5% coinsurance after the $1,500 deductible. But if I had zero issues (which I don't) I'd probably do a HDHP. Between those two things plus the HDHP deductible which is lower than a lot of PPO plans, you will likely still come out ahead. For context, Wegovy is on the GEHA HDHP formulary (last updated October 2023) but Zepbound is not there. So you’d be using up the entire $2000 HSA contribution & then paying another $1200 out of pocket for OBGYN visits. All GEHA medical members are eligible for telehealth visits powered by MDLIVE. There are so many posts comparing GEHA HDHP to others that you can look up. Plus I have to have surgery next year and my out of pocket on standard was going to be around $1,800 but on …. So you are looking at about a $442 advantage with the standard plan but you intend to max out the HSA. Government employees working towards financial independence, and retiring early. "Free" money which will offset at least some of those costs despite the high deductible. Hi all, I'm at wits end trying to compare all these plans. I joined as a civil servant in February, and elected for the GEHA HDHP health insurance. I feel like I've received about the same medical coverage from both. one plan recently on Reddit was indicated to only be accepted at Walmart vision). GEHA Standard plan holds into August ignoring HDHP benefits (Pass Through, plan cost difference, and tax savings when contributing the maximum family …. Premium Powerups Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. Blue Cross Blue Shield (including Regence BCBS, Federal BC, Premera BCBS, Anthem BCBS); HMA; MODA; PacificSource (some exceptions); Cigna; First Choice Health . You might have a regional HDHP worth looking at, like CareFirst HDHP in the DC area (personally I don't know if it's good but it's there). Plus, for every explanation of benefit (EOB) I receive for every visit for any of our family members, I have to call GEHA to fix billing. I'm currently on GEHA HDHP individual, but planning to switch to the family plan in December when I'm expecting a baby. With all GEHA medical plans, you get low copays on eye exams, and discounts on frames and lenses through EyeMed. Valheim; Genshin Impact Anyone know if the dental insurance that is tied to the GEHA HDHP is PPO dental? This is what my dentist said it had to be for them to accept it. GEHA Benefit Plan (HDHP) - Out-of-Network MHBP Consumer Option (HDHP) - In-Network 1 MHBP Consumer Option (HDHP) - Out-of-Network; Annual Deductible Annual Deductible: The amount you may have to pay for covered health care services before the plan begins to pay. Look into rules for HSAs, you'll be surprised and delighted by tax savings and allowed uses. Does the federal government make another contribution on top of this $900? Reddit's home for tax geeks and taxpayers! News, discussion, policy, and law relating to any tax - U. I usually never hit my deductibles, but I am concerned that paying the full price of pharmacy (Ozempic/Wegovy which I’m not even sure is covered since the formulary doesn’t show anything for. I am still fighting claims from 2021, they didn’t count them toward my deductible torcerlo so I overpaid not by much but still. For a single cavity they cover $21 and for multiple they’ll cover $28. I have that exact setup: GEHA HDHP with a fidelity HSA, all my payroll contributions go to fidelity, once a month I “pull” money from HSA bank to fidelity (Free, and GEHA contributions have to go to HSA bank first). The premium is increasing considerably, and I am entertaining switching to a HDHP. 50 for a set of serum (lasts 4-6 weeks) $12. In 2021, the GEHA HDHP plan covered two of the routine lab tests that are part of annual physical - lipids (code 80061), hemoglobin A1C (code 83036). I don't think FEP has an HDHP option. I can’t recall the name of the testing company, but basically we chose to do the genetic testing (this is testing for chromosomal disorders, plus you learn the sex), the company contacted GEHA, and the company notified us that if we sent the testing to GEHA, it would cost us $400, all of which. So premiums + copays/coinsurance - hsa passthrough. Time for Another GEHA/ CVS Caremark Rant. GEHA HDHP includes the vision and dental benefits listed in the documentation. I will get a new pair in January. Planning on switching to the GEHA HDHP for reasons mentioned above. yelp life coach At essentially all levels of health care costs, I would pay more total with BCBS Basic than I would with GEHA HDHP (family plan). Anyone have any experience with this plan specifically? I'd probably put an extra $100/pay into the HSA to at least. $63/pp = $1638 per year, but you get $900 for an HSA (investing/retirement, can be used for any health care expense), so works out to be around $700ish total. PPO: $700 monthly cost $4000 deductible $8000 out of pocket max Copays are $25-$40, then covers 100% Lab and X rays are 100% covered Any hospital visits/stays are covered 80% after deductible. Or check it out in the app stores     TOPICS Open Season New GEHA HDHP Enrollees. GEHA with HSA premium and out of pocket is $6,857. I am considering changing from HMSA High federal plan to GEHA HDHP to be able to invest into an HSA account. No, because GEHA HDHP coverage doesn’t take effect until January 14. In addition, if you have special concerns or questions about utilization of your maternity benefits, call 800. We have yet to find doctor out of the BCBS network, its the Gold standard in my region. I switched from Aetna HDHP to GEHA HDHP. I have a QLE and will be switching to GEHA HDHP in September. Like, a MRI was $100 on BCBS basic. If we are just going off monthly premiums alone. breast inflation story This post focuses primarily on the comparison between Blue Cross Blue Shield Basic Option (BCBS Basic) and Government Employee Health Association High Deductible Health Plan (GEHA HDHP). The $1000 pass through is for 2024, for 2023 it's $900 so the $75 is correct. PPO-$8572 (Premium+OOP max) is the max you would pay. GEHA HDHP - employer contributions vs passthrough. 50% of allowance up to $500 max. I had different GEHA plans with FSAFED the past 2 years. Reddit's #1 spot for Pokémon GO™ discoveries and research. My one year old is currently covered by my non-fed fiancée's health insurance, and we decided put him under my coverage for 2024. I have da couple of questions regarding the HSA: Does HSA BANK require you maintain a certain balance? Does HSA Bank charge any fees? My agency uses employee express. HDHP + HRA, Standard and High members can spend available rewards on all 213(d) qualified expenses — such as eyeglasses or contacts, orthodontics, doctor visits and dental care — using your Health Rewards card. This past year we were losing money with GEHA so we moved to BCBS Basic, and no longer have HDHP so we can't contribute to the HSA. Dealing with the providers trying to give me my overpaid money back is a nightmare. GEHA HDHP HSA Question As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. In 2022, they allow 20 visits per year for a $30 deductible, which goes up to $35 in 2023 (still 20 visits). Wife recently started with the feds as well, so I took the opportunity to switch to the GEHA HDHP plan. Here's the conundrum: - In-network deductible is $3000 for self+1, and $6000 for out-of-network deductible (for example) - Overseas medical is treated as in-network for plan reimbursement purposes, per the help chat. What bothers me is that this change is being made mid benefit year. However, I just saw I have a cash balance in the pass through amount in HSA Bank instead. They did fix the Contributions chart on the home page. They throw in $1800 of the $3000 deductible into . sssniperwolf tiktok supercuts maynard ma Thanks everyone for your input. Yeah, I get that it includes some "free money" ($900 a year pass through from premiums; and the paycheck reduction would be 105 - (105*0. I want to transfer money from HSA Bank to Fidelity. There’s more to life than what meets the eye. • Also, if you are age 55 or older, you can make a “catch-up” contribution of up to an additional $1,000 for a total of $9,300. Yep, and the monthly payment occurs ~7-14 days after the month. I believe the negotiated price under the HDHP before you hit your deductible is around $900. Or check it out in the app stores     TOPICS Open Season New GEHA HDHP Enrollees. I don’t pay much for co-pays (max $50 at the office, if anything) and prescriptions are cheap also. GEHA Benefit Plan (HDHP) MHBP Consumer Option (HDHP) Quality - Controlling High Blood Pressure. How much can I contribute every pay period through Employee Express? I know the IRS has a limit but I’m curious what that works out to every two weeks? Thanks everyone. Not only this, but the HDHP insurance itself has much better coverage than a lot of other HSAs out there. The best place on Reddit for admissions advice. Corporation; Fiserv Health; GEHA; Global Excel; Global Health; Guardian Life Insurance Co Of America; Health Net Of California; Health Republic Of NJ; Humana . Is there anything I need to do manually to have it start contributing? Or does it start contributions on PP 02? My HSA section on EmployeeExpress is still blank. *If the deductible is met, high deductible health plan (HDHP) member will be charged by MDLIVE but GEHA will then. 26K subscribers in the govfire community. Don't forget premium pass through which is $900 and GEHA HDHP also includes preventative dental benefits. However, it also shows GEHA with 5 times the number of complaints of others with nearly 37% being overturned by OPM. Used GEHA HDHP last year, it's good, but insurance provider like to dictate care instructions just a little too much and raised deductible this year. If you take medications, go with the CareFirst HDHP plan. That said not everyone values things the same way (ie peace of mind, upfront pricing, networks, …. The premium is relatively cheap, and once you hit your deductible, non-pharmacy co-insurance is only 5 percent (pharmacy is 25 percent). Note there are specific rules regarding VA benefits and HSA (contribution) interactions. GEHA - Per Payperiod Premium = $183 (x26 = $4765); GEHA Per Payperiod HSA Contribution = $70 (x26 = $1800); Net Annual Cost ($4765 - $1800) = $2965. I had a $80k knee surgery and I only had to pay $1k out of pocket. Finally, GEHA allows me to have a HSA and gives me $900 in thw. No matching required, you don't have to put anything in for them to contribute but the 2023 max you contribute to it is $7,750 (inclusive of their contribution). Yes, but you have to sign in with the app - and I dont have my sign in yet - because I need the RxGrp # to register online. The second thing is that *some* of the HDHP plans have extremely low out-of-pocket maximums. Your two dental cleanings shouldn't cost anything unless you need other work done (fillings, etc). Assuming it's that specialty drug you would max an individual OOPM and cost 6k with GEHA HDHP. Looking for verification that I understand these 2 plans correctly when looking at their deductibles for self & family. MDLive Routine Mental Health Therapy - GEHA HDHP. In addition, GEHA will accept collect calls from our members overseas. If you hit the $4k deductible, you'll be down $400 vs GEHA. No problems with doctors or prescriptions. Co-insurance for Elevate is $10/$30; 5% with HDHP. In past years, this expense comes close to $1K, which we've paid for with a HCFSA account. Their new total cost per PP was BCBS Basic (Family) is $262. Perscription drug benefits are not great for brand name perscriptions but doctors offices often have coupon cards to lower your copay so it doesn't matter. Every single insurance company in the past has treated manufacturers coupons as a transaction between myself and the pharmacy. Limit for us (GEHA HDHP with HSA): $250 per person per year (for myself and wife only; kids don't get it); rolls over every year up to maximum of $1,250 per person. Previously I had MHBP + MetLife FEDVIP and when a similar charge was submitted through MetLife, the negotiated rate was about $125. It did not consider blood glucose or urine glucose part of monitoring for diabetes. Loupes and eye dominance FEHB Comparison Request: GEHA HDHP vs MHBP HDHP. To provide a low premium, the Elevate plan does not include mail-order prescriptions or out-of-network pharmacy coverage, and it has a limited pharmacy network. About to put braces on a 5th person with MetLife High and nary a peep of trouble. It honestly isn't as bad as I thought. With open season coming up, I figured this is probably the best time to ask. If it is closed, you will need to re-open one and potentially contact GEHA to ensure that the passthrough is correctly deposited. twitter bikinikoffee The deductible for Elevate is $500 vs $1500 for HDHP. GEHA HDHP covers them once the deductible is met at 5%. MHBP has some interesting benefits but a pretty high premium for a HDHP. " I have their HDHP+HSA plan so that's why I was curious. I am going to be switching to GEHA HDHP this year during open season. I use GEHA and it covers the yearly visits 100% and is a good plan for the price. - But I've seen conflicting info about whether overseas medical expenses count towards the in-network deductible ($3000) or out. I recently received my HSA card and account. So those with GEHA that are leaving, you lose Aetna coverage on GEHA starting 1/1/24 when they switch to UHC. So I've done a deep dive on GEHA HDHP. In the How we pay” section it states that Utah has two networks and you have to choose between them. That said, def check if all your current therapists will be in network if you switch. Yeah, if you have the GEHA HDHP after you meet your deductible you will pay 5% of the negotiated rate. 00 + $10,000 - $1800 = $12,542 BCBS = $5,519. So you get 2 free cleanings per year free and xrays. Unlike in the private sector, where the employer may contribute to the HSA, GEHA itself contributes $62. I had a first time visit/annual check-up with a new general practitioner (GP) while on the GEHA HDHP along with a follow-up appointment. CDHPs will pre-fund the HRA at the beginning of the plan year with the full contribution amount. For GEHA HDHP, take the premium, subtract the passthrough, and add the in-network out of pocket maximum. I'm switching off of UHC choice plus and looking. You can earn up to $900/yr for the HSA so the NET yearly deductible can be as low as $600/Year. If I use outside one, I have to file the claim myself. That's why I like the cheap coinsurance so nothing really falls through the cracks. Claims were slow to get processed, customer service was hard to reach and deal with. With millions of active users, it is an excellent platform for promoting your website a. required in HSABank) for investment purposes. GEHA HDHP = 4908 + 6000 - 2000 = 8908. Currently have bcbs fep self and pay ~$1378 (also the dental/vision for about ~$520). I do sick visits to minute clinic with geha hdhp and it's usually like $80 if they don't do any tests. Then, enter our GEHA toll-free number: 877. So far, HSA Bank transaction list shows an employer contribution and a participant contribution. The total included in box 12w is only the additional "participant contribution" I make through my payroll provider. Both GEHA HDHP and MHBP Consumer Option (HDHP) are also both excellent choices but requires a change in mindset because before the deductible is met the copays will be large. Question about HDHP deductibles. Some plans have both an overall deductible for all or most covered items/services. I know that GEHA uses HSA Bank for its HSA. See the plan brochure (RI 71-006 for High and Standard, RI 71-014 for High Deductible Health Plan and RI 73-903 for Elevate and Elevate Plus) for more services payable without deductible. Improve your health by kick-starting your workout routine with GEHA's Connection Fitness ® powered by the Active&Fit Direct ™ program. 6 %âãÏÓ 327 0 obj > endobj 355 0 obj >/Filter/FlateDecode/ID[13ABE8F51C9EBD47BC00743D1ECED33E>]/Index[327 45]/Info 326 0 R/Length 130/Prev 207875/Root 328. Or check it out in the app stores     TOPICS Hello, I am new to GEHA HDHP basic. I have GEHA HDHP for health and GEHA high for dental. On the one hand, unless you’re planning on dying at 64, you’re still going to need money at 65. This Plan is underwritten by Government Employees. GEHA makes this non-FEDVIP, non-FEHB benefit available through . GEHA HDHP is nationwide, so it's far easier to recommend to most feds, especially those who don't live in DC. One network includes the university of Utah, the other doesn’t. Before I switched I did a more robust calc using all the eobs in a year. When is the schedule (which days of the month), does GEHA deposit the …. 4 HDHP members who have met their deductible will be charged by MDLIVE, but GEHA will reimburse the member. My plan was to invest every dollar in my HSA but to get around the $1000 cash policy in HSA Bank at the time, I opened an HSA at Fidelity and contributed $2,700 to it from my payroll. I’m thinking of switching to the GEHA HDHP Family Plan and wanted to know if anyone has experience using their VA healthcare in conjunction with it…. I personally do mine separately. This subreddit is for sharing news and information regarding the inner workings of the US Federal Government for Federal Employees. It's nice to build up that nest egg with a HDHP when you are healthy. In my opinion, MHBP HDHP is better. I can't remember how i learned of hsa bank, if i got an email, if info was in the original package or if there was another letter. The dental benefits for either option are trash, FYI. Basic Dental & Vision Tax Advantaged HSA Space FSAs GEHA HDHP carries with it a pretty impressive basic dental and vision coverage that doesn't require you to meet your deductible. You’ll get a Welcome Kit in the mail from TD Ameritrade and a letter (mailed. t.k. soul try me That means that I don't have to track and manage 3 different policies. Post any questions you have, there are lots of redditors with admissions. I never really looked at GEHA's Elevate plans. I am looking at GEHA HDHP - and it says GEHA themselves contribute $900. The GEHA HDHP also provides decent dental coverage (2 cleanings, x-rays, flouride, restorations, and extractions are included) which could be a benefit for a family of 6. Our premium + deductible for NALC HBP will be $6,366. I saw that the annual Government HSA contribution went up from $1,800 to $2,000 this year (self plus one), however it looks like the January deposit was still at the 2023 rate. It’s nice to build up that nest egg with a HDHP when you are healthy. I haven't done 2024 reward points (for GEHA HDHP) yet but it was $250 for 2023 too right? 200 of those 250 could be done with the wellness workshops and the rest was with the screenings or telehealth visit. If you need anything beyond cleanings you’re basically paying out of pocket entirely. GEHA HDHP Question-- Moving from Illinois to Massachusetts would be a qualifying life event, right? GEHA is administered through Aetna, not United Healthcare, in Massachusetts. You can reimburse yourself in the future (I keep a spreadsheet and a binder with hard copy receipts for this purpose) if you need cash. In 2023, assuming that my kid doesn't like break his arm or anything between now and January, the HDHP will have cost me $1787. Trusted by business builders worldwide,. party city ocala fl 54 Here again, GEHA is the winner. Some things to understand/take into consideration. GEHA uses the UHC network in my state and I have never had an issue with any provider. No issues so far, I live in Ohio so they use Aetna providers here and everyone of our doctors accepts it. Between The HDHP pass through and the difference in premium, there is a couple hundred dollars in favor of GEHA for in-network. Your cost then becomes $4342 (premium) + $1700 (17 sessions @ $100) - $1800 (pass-through) = 4,242. I have a GEHA HDHP with HSA Bank deposits. For your convenience, providers outside the United States are paid at the GEHA pr. All GEHA health and dental plan members receive vision coverage for no additional premium. I've got an HSA with Fidelity and transfer money from HSA Bank over to Fidelity regularly (every 6-9 months). The GEHA HDHP insurance plan passes through $1800 per year to your HSA. I am still fighting claims from 2021, they didn't count them toward my deductible torcerlo so I overpaid not by much but still. If you have any questions at all I do my best to answer any health insurance questions I see over in r/fednews. Your new 2024 FEHB starts 1/14/2024. Wondering if anyone knows whether the federal contribution to my HSA will continue when I retire as long as I keep my GEHA HDHP (only until I’m 65 when I’m required to switch). I understand the deductible model. No matching required, you don’t have to put anything in for them to contribute but the 2023 max you contribute to it is $7,750 (inclusive of their contribution). The plan passes $900 ($75 per month) into my HSA account. GEHA Elevate Plus is getting even worse in 2024. Reddit is not a substitute for a real lawyer. I also routinely had billing issues and delays with GEHA HDHP that were due to provider mistakes, but it forced me to either spend hours of my time straightening it out or accept hidden deductible increases. Is there a way to see prescription claims? The reddit for students of Concordia University of Montreal, Quebec / Le reddit des étudiants et. On the one hand, unless you're planning on dying at 64, you're still going to need money at 65. A safe place for questions, experiences, tips and tricks, for Zepbound and a helpful community to assist you along your weightloss journey! ZEPBOUND is a glucose-dependent insulinotropic polypeptide (GIP) receptor and glucagon-like peptide-1 (GLP-1) receptor agonist indicated as an adjunct to a reduced-calorie diet and increased physical …. High Deductible Health Plan (HDHP) The plan that helps pay for itself, GEHA’s high deductible health plan is the most popular HDHP among federal employees and is designed for those who want their money to work harder with GEHA’s generous HSA contribution of up to $1,800. Facebook X (Twitter) Reddit WhatsApp Email Share . GEHA HDHP (341) vs CareFirst BlueChoice HDHP (B61) FEDERAL. MHBP vs GEHA HDHP deductible question. Then, all eligible medical and pharmacy expenses qualify, too. The difference between Standard and Basic is Basic does not cover out of network costs. No, you are not eligible to do that. Basically they denied paying for the lab work in. They deposit $150 at the end of each month to HSA Bank. Check if your FEHB carries vision benefits, such as GEHA HDHP. GEHA HDHP (Medical Account Contribution - $900) Aetna HealthFund HDHP (Medical Account Contribution - $800) My gut is leaning towards the MHBP choice due to it having the highest medical account contribution, but my question lies within the quality of …. Looking at FSBP for next open season. New to GEHA HDHP also and already have one dental visit. Pretty much all my care has been primary care & dental, with a few urgent care. Highlights: Low premium with lower-than-expected deductible. Pharmacy - This probably varies widely and I'm not sure if it goes through Pharmacy benefits or admission or other costs. The big picture of insurance is to cover serious issues so you dont end up paying thousands of dollars. Yes, I believe the balance caps out at $1250, but the geha plan pays 100% preventative dental, so unless you have lots of fillings, it's doubtful you'll need to utilize this. Reddit is not the only company launching ways for communities to host conversations. Are you looking for an effective way to boost traffic to your website? Look no further than Reddit. After 6 years, I finally decided to make a claim for an increase in my ratings and new claimed disabilities. No waiting period and adults are covered up to $3500 (70% of total). 84 a month and get back $75 in an HSA account, which is yours to keep (if not used for medical expenses, you have to wait to draw from. I had GEHA HDHP for 2023 and for 2024 I switched to self plus one. Catastrophic limits were also higher for BCBS Basic. If you want an HDHP plan, you need to be ready to pay the deductible up front unexpectedly. Some recent discussion with others about HDHP/HSA leads me to look into this topic. For yearly costs less than the catastropic max, kaiser costs 363. often times the percentage covered is a tease and the coveted amount is much less then what the dentist charges. I'm looking at GEHA, Aetna HDHP, and CareFirst BlueChoice HDHP (only for Maryland, the Northern Virginia area and Washington, DC). With its vast user base and diverse communities, it presents a unique opportunity for businesses to. Just looking at the Aetna site. I'm a new fed; signed up for GEHA HDHP, and I'm curious about changing the bank that manages the HSA. club roblox pet values That means if you have a lot of healthcare expenses, GEHA has some ground to make up. See Section 5, Preventive care. Because they don't cover expensive emergencies well. 52 (MHBP) HSA Pass Through: 1,800 (GEHA) vs 2,400 (MHBP) Deductible: 3,000 (GEHA) vs 4,000 (MHBP) Membership Dues: 0 (GEHA) vs 42 (MHBP) Okay, so with $0. You should compare those two plans at least as they seem the most popular. As far as I know, all GEHA plans are free tele-therapy if you use their platform (MDLive) with the exception of the HDHP. I feel like the ophtalmology visit would fall more under their 5% coinsurance for seeing a specialist. And we know you will first have to pay all costs and meet the deductible because …. There's a simple half-page form you have to fill out with the name and address of the place, currency and exchange rate, and you send that in with the receipt (I've been able to do this over email). 62 after deductible, which means it would be $26. I just submit a qualifying life event to add our new baby and it removed my spouse. Joined: Fri Nov 09, 2018 1:21 pm. Whether you have vision correction needs or you are interested in annual exams, GEHA offers vision coverage for no additional premium. We switched back to BCBS Basic from GEHA HDHP for prenatal/childbirth purposes in 2021. But GEHA Standard does include better dental/vision benefits if that interests you. Now, I will be needing allergy shots so I know I will be hitting my deductible each year. The Reddit Law School Admissions Forum. A HDHP would allow you save money pre-tax to a health savings account, which you can use to reimburse yourself for healthcare expenses, which is good especially if you don’t have many healthcare expenses during the year. com 800-821-6136 2021 A Fee-for-Service High Deductible Health Plan Option with a Preferred Provider Organization IMPORTANT • Rates: Back …. 5% out-of-pocket after deductible. MHBP - Consumer Option -HDHP- . For assistance in finding coverage, please contact us at 800-821-6136 or visit our website at www. Then the baby is considered a member and subject to the 5% copay. With a focus on quality healthcare . GEHA members outside the United States can call us using a dedicated phone number. Fed news Government news Federal employment Federal employee Government employee This subreddit is not affiliated, sponsored, or in any way supported by the US Federal Government. In the future, always leave at least $1 when transferring funds out of HSA Bank to prevent the account from closing. Unlimited telehealth visits, including mental health, with MDLIVE, $0. The catastrophic max is less with the HDHP - $5000 vs $6500 or $10,000 vs $13000 depending on how many people you are covering The HDHP comes with basic vision insurance that isn't there under the standard plan Final Thoughts. GEHA is a not-for-profit, no idea if that helps, in addition to what you've noted, GEHA includes preventative dental - cleanings, x rays, exams 2x per year (even if the dentist isn't in their network), GEHA HDHP includes EyeMed Vision insurance, GEHA include $250/year in wellness rewards you can earn (can be rolled over up to $1250), …. Can speak to GEHA HDHP and genetic testing, as me and my pregnant partner just went through this. Currently sitting at 80% from my initial 20% and still have about 10 more things awaiting a decision! 0. GEHA's HDHP provides you with . I’m electing for the GEHA HDHP, which covers two free cleanings, an X-Ray, and fluoride treatment each year at no cost on top of the regular health insurance benefits. However, when I go to MyPay, the only option is to input a routing & account number for an HSA. The total contributions from payroll and GEHA will be $121 x 26 + $1,000 = $4,146 leaving $4 to be contributed either (a) separately or (b) by adjusting the HSA contribution. Part of the child support money is paid directly from SS into accounts for the kids, of which I am the representative payee. The Plan will increase the benefit maximum payable for hospice coverage to $30,000 from $15,000. I don't know if that's true of GEHA. GEHA HDHP + VA Healthcare gives you great tax free HSA pass through opportunity, saving you thousands in taxes. You can Google "hsa bank", that's literally the name and try putting your geha info in to register Or just call them. I'm pretty sure that moving to a state where GEHA is run through a different care network is a qualifying life event which would allow me to change my insurance, right?. I cannot speak for the MHBP network. I find it surprising that this is legal (if it is). Payable for only dental and vision until deductible is met; payable for medical, dental and vision after deductible is met. I have been mostly happy with my geha hdhp. You can choose any HSA provider you like. The best part, however, is that using the VA counts against your deductible. The govt monthly contribution to your HSA will go into the 2024 HSA on Jan. Don’t forget GEHA HSA includes a sizeable contribution into your HSA. This is the feedback I gave to their online survey on my interactions with their customer service …. While the Centers for Disease Control and Prevention has officially declared an end to the COVID-19 public health emergency, GEHA wants you to know that you and your family are our number one priority. Premiums are about $2,400 less per year on basic so that savings should compensate for any additional increase in copays next year. With GEHA/CVS coverage the cost for a month is $200. I no longer have an eligible HSA insurance this year. If you have Self Plus One or Self and Family coverage with the HDHP, you can contribute up to the annual IRS maximum for a family plan. Meaning once you've paid $600 in-network benefits apply, and after paying another $200 from …. I see that GEHA uses "HSA Bank" (whoever that is), but a lot of people on this sub recommend to open an HSA at whatever brokerage they like to use for other investments (Fidelity, Vanguard, whatever). Which is better? I've been comparing the two HDHPs, and CareFirst has a slightly higher premium (by like $4), but has a lower deductible ($1400 vs GEHA's $1500); also CareFirst BlueChoice has completely free generic retail prescription costs, while GEHA has a 25% generic retail cost. Indications: o 30kg/m2orgreater (obesity)or o 27kg/m2orgreater (overweight) in the presence of at least one: weight-related comorbid condition (e. Unfortunately not (obviously don’t just listen to. the new for 24 infertility treatment is amazing. I would ask in another sub but this sub often has good insurance talks. xx --- a big factor in me keeping GEHA HDHP versus a copay plan. I called and spoke to their customer service to get some questions answered, and I was pretty impressed with the representative I spoke with. 54 for 2024, if we switched to GEHA it would be $6,108. However, a back surgery is probably at least double the cost of my nose surgery. “Free” money which will offset at least some of those costs despite the high deductible. If all you need is a cleaning 2x year and a filling every couple years, you break even +- $50 between standard blue dental and out of pocket. Do I sign up for the HSA after I’m covered by the HDHP plan (starting in Jan)? Advertisement Coins. A few quick questions for those in the know: I switched this week to GEHA HDHP, will I still receive the February passthrough?. They offer free lab testing through Quest or Labcorp and have great pharmacy pricing with a deal with CVS. The $1800 pass through counting towards the cap means that $1800 of your premiums for the year goes to your hsa so you only need to figure out the remaining $5300. On GEHA HDHP in Texas, can confirm. I think that for 2021 with GEHA HDHP(family) I will pay $159 per biweekly check in premiums, but will receive $1,800 over the year from employer to my HSA, I can contribute more of my own money up to plan …. My husband has accrued rewards that he will not need to use because he has good vision and only so far has only needed his covered dental exams each year. Your HSA provider will report total contributions though, so you can’t hide it. So call around and check with dentists in your area. 20 dollar price increase every two weeks, increase in deductible, our of pocket max, etc. The reason is if you incur any any healthcare expense, BCBS will require a co-pay of some sort. free snapchat friends generator Haven't done anything with the vision yet, but it looks like it is more than sufficient to skip vision too unless you're expecting. We've hit OOP max before (with a non-fehb plan), $258 to limit our potential OOP isn't a. I had the GEHA HDHP for a few years and contributed to my HSA at HSABank. The Silph Road is a grassroots network of. NOTE: You take the maximum MINUS $900 and divide that into 26 equal contributions, because the GEHA premium passthrough also counts against the yearly max. Minimum deductible of $1,600 Self Only / $3,200 Self Plus One or Self and Family. Maxing out GEHA HDHP HSA for 2024 With an individual max of $4150 and a pass through of $1000, I read that I should change my contribution to $121 and then do a separate $4 transaction during the year. Probably they didn't bother redesigning the card for the hdhp, but it gets the point across of what amount you'll be responsible for after meeting deductible. The out of pocket max will still save you. If you make your HSA contributions through payroll, it not only avoids federal taxes, state taxes (provided you don't live in California or New Jersey as of 2021) but it also avoids Social Security @ 6. Take a second to think about what those numbers really mean. The HDHP plan would cost about $3000 less in premiums over the course of the year than the PPO. Both GEHA HDHP and MHBP Consumer Option are great choices for an HDHP. X-ray charges (no frequency/any type of X-ray) are paid at 50%, for a maximum of $75 paid per person per calendar year. My wife sees a neurologist for her migraines. tl;dr, switched to GEHA HDHP, setup my HSA on HSABank, and set it up through Schwab, all that. Does anyone know which one I should use to use the $1,000 contribution and what the other one is for?. Inpatient stays are $75 per day up to $750. BCBS seems popular if you have more expenses, but I would say GEHA HDHP with HSA would be a better option if you are able to grow your HSA for a year before having kids. In my online account when I hit the dental tab it’s just blank- do I have to sign up via benefeds or whatever?. Remember your 2023 GEHA HDHP is still active through 1/13/24 and starting 1/1/24 it flips to UHC so if you have appointments 1/1 - 1/13 - I would suggest you check with the. Our HSA balance has more than enough to cover the out of pocket maximum on both plans. I am healthy male, 32 yo, and don't often go to the doctor, with a generic allergy med and few acne prescriptions. Medical care here is so cheap I don't even bother trying to file a claim, but investing that HSA money is well worth it for future issues. 1)GEHA standard for family plus one- $700 deductibe 2)Blue cross blue shield service benefit - no deductible 3)Geha elevate plus - $400 deductible Any experiences would help. If that's the case, submit anything they don't cover to the insurance you are adding the baby to. I have had BCBS Basic for 2 years now and thinking of switching to the GEHA HDHP plan to save on premiums. I shattered my collarbone last year on an HDHP plan after years of using HDHP without major. I have trouble swallowing a 150 or 200 dr bill when copays used to be $10. -Again I'd be hesitant to take out as it is growing tax-free/tax deferred depending on the type of future withdrawal (after 65 you can withdraw and pay regular income tax but no penalty for any purpose). HDHP-$7299 (Premium + OOP Max for individual - Employer HSA Contribution) is the max before any of your contributions to the hsa. Hello, I just newly enrolled myself in the GEHA's HDHP plan. Here's the information: BCBS PPO Standard Option. Healthy and young, MHBP or GEHA plan with the HSA. As your trusted health partner, we're continually seeking opportunities to enhance your experience and the value that we provide you. View community ranking In the Top 20% of largest communities on Reddit. This subreddit is for all those interested in working for the United States federal government. On GEHA Standard you were able to get $700 worth of negotiated medical care to reach 5,545. Anyone have issues using them overseas? I had no issues using BCBS or FSBP. I received my GEHA rewards card today. This plan includes an HSA, with pass-through contributions from GEHA to the HSA. org shows that GEHA HDHP is the best plan in nearly any circumstance in my area. The insurance plan is GEHA HDHP and this is before meeting the deductible. 92 per pay period - so on average you'll pay about $113. Any type 1 diabetics with insulin pumps on this plan? If you wouldn't mind sharing, it'd …. The HDHP also allows for payroll contributions to a tax exempt HSA for medical expenses. I was curious if CHAMPVA would cover some of that if I don’t reach the deductible by childbirth?. and the United States Office of Personnel Management, as authorized by the Federal Employees Health Benefits law. Not sure what the health coverage is for your wife but government health care is pretty awesome for pregnancy related stuff. Has anyone received the first passthrough from HSABank/GEHA for 2024 yet? I thought it would have come in last week payroll since it was PP1 of the CY2024 but nope. Don't forget to account for the medical account contribution (pass-through). As the year stands, I would've saved an additional I think $400 going with MHBP instead of GEHA. Typically, GEHA makes these contributions as part of the HDHP benefits, but I'm not sure if they can be redirected to my Fidelity account or if I need to reactivate my account with HSA Bank to receive them. My kids go to urgent care maybe 3 times a year for the usual daycare germs, etc etc. Give them a call and find out what they would charge you under Standard for a 3-month supply of the drug.