For us majoring in accounting, have you ever struggled with the health insurance “game”? I recently got into accident and injured and the bills keep coming and with the deductible and in network all mixed up with pre tax hsa contributions and pay out of pockets etc… has everyone master this game and how you felt abt it compare to accounting?

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Some states have laws protecting you from out of network billing in case of accident. I would not pay and check the local laws. My daughter had an accident and was treated out of network. We were only financially obligated for the cost equivalent to what would be in network. Additionally, negotiate. Depending on the facility they may even forgive some. Good luck

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I don’t understand what you are asking? What game are you talking about?

I still don’t understand your question

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Nope. I have an HSA. It's funded by my husband's company and automatic transfers from my husband's paychecks. (We elect to fund the full family out of pocket amount each year, so there's pretty much always enough in there for our medical bills throughout the year.) All my medical bills show up in that site and I pay them directly from that account. If I pay something out of pocket, like an eye exam if I forget my HSA card, I can just log-in and reimburse myself.

If you can afford to pay the bills out of pocket, I would try to keep the money on the HSA invested. Obviously many can’t afford that

Before you pay a bill, check your explanation of benefits from the insurance company to make sure your portion matches up. You can pay with your HSA (I use the debit card) or pay out of pocket. Your insurance company will have a running total of where you are vs. your annual deductible/out of pocket max.

Thank you I did, I just feel exhausted as it’s like playing a real life simulation game

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