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.