- 1,737
Least of the not so attractive options, given the specialist for RA is not in any network for MAPD. I have another client with RA who has used the same specialist on a PFFS.
The out of pocket for PFFS, if agreed to, is better than MAPD PPO.
Will check with the specialist before going with the plan, what is their decision on accepting PFFS for 2015. Medicare beneficiary covered w/spouse on group until end of 2014. Saving money, I am recommending non Medicare spouse get HSA and load it up for OOP's on Medicare covered spouse. Yes, other spouse's HSA can reimburse those expenses, Medicare eligible spouse just can't open an HSA.
No matter what I do, it will be something of an ouch compared to the Cadillac group, have to keep reminding them that they are going to be paying tax deductible dollars for the OOP's.
T65 for this one can't come too soon.
The out of pocket for PFFS, if agreed to, is better than MAPD PPO.
Will check with the specialist before going with the plan, what is their decision on accepting PFFS for 2015. Medicare beneficiary covered w/spouse on group until end of 2014. Saving money, I am recommending non Medicare spouse get HSA and load it up for OOP's on Medicare covered spouse. Yes, other spouse's HSA can reimburse those expenses, Medicare eligible spouse just can't open an HSA.
No matter what I do, it will be something of an ouch compared to the Cadillac group, have to keep reminding them that they are going to be paying tax deductible dollars for the OOP's.
T65 for this one can't come too soon.
