关于 Flexable Spending Account - 答知福惜福

Every year, you can put $0-3000 in FSA to cover medical related costs (ie. co-pay, medical bills that are not covered by health insurance), and $0-5000 to cover dependent care costs (ie. daycare). Money put in FSA is tax deductable for that year. This is the benefit of FSA. The drawback of FSA is that you can not take unspent money out of FSA at the year end. That means if you don't use it, you loose it. The amount of money that you decide to put in FSA during the open enrollment can not be changed throughout the plan year unless any life-changing event (ie. give birth, get married) occurs during the plan year.

In your case, within 30 days after you give birth to your daughter, you are eligible to change the current health insurance plan for this year (2007). Call your HR and make sure to do the following two things.
1. Select a health insurance plan to insure your newborn for 2007.
2. Put the proper amount of money in FSA for 2007 to cover the uninsured part of the cost of your childbirth and the cost of checkups for your newborn for the rest of this year.

When you said you have to 分期付款付医院,I don’t know what kind of health insurance plan you have. I thought normally insurance would cover all the cost for childbirth. I remember I only paid $10 co-pay when I gave birth to my baby. So you’d better double check with your health insurance provider about it.

所有跟帖： 

• I will bookmark this one, i might need it :) thanks for sharing! -feidu- ♀ (0 bytes) () 09/25/2007 postreply 07:03:04

• 生孩子的费用保险不包的是吗？没研究过 -boredatwork- ♀ (0 bytes) () 09/25/2007 postreply 07:44:28

• 每个公司的保险是不一样的. 我当时生我女儿的时候是付全部费用的20% -xiaohejianjian- ♀ (13 bytes) () 09/25/2007 postreply 07:53:12

• 那还好啊。 -boredatwork- ♀ (0 bytes) () 09/25/2007 postreply 08:10:02

• 跟你自己的保险有关，生我女儿那年是老公公司最后一年100% -lcats- ♀ (62 bytes) () 09/25/2007 postreply 08:03:08

• that is so true. copay went from 10 to 30 now too -boredatwork- ♀ (0 bytes) () 09/25/2007 postreply 08:13:38

• our insurance paid for everything, expect the copay of $250 -臭臭妈妈- ♀ (0 bytes) () 09/25/2007 postreply 09:49:02

• 我老公的公司允许员工每年放$0-$5000在FSC.FSC的钱还可以买非 -xiaohejianjian- ♀ (70 bytes) () 09/25/2007 postreply 08:02:49