It’s just a personality you know comfort whatever it may be if you’re not comfortable you can hop over to dr. Jones who is in the same network at any time there’s no penalty or anything for that you don’t have to ask any Dental Helps questions or nothing you just call up dr. Jones and make an appointment with them so no restrictions.
Mary it’s not it’s only applicable to the health savings account the FSA the flexible savings account must be used before the end of the year a health savings account does have to be tied to a specific type of plan generally a consumer-directed health plan or had a deductible health plan we offer one bronze plan that is HSA eligible health savings account eligible and one bronze plan.
That is not I know the rules for employer groups and what they offer can be different right so you could see a scenario where as long as there’s a deductible for at least thirteen hundred dollars for an individual that could be a plane that’s eligible for an HSA and so within that context.
It also be important to know if your employer’s contributing to that and the tax advantages of doing so those plants usually have lower premiums and so it provides the opportunity for for individuals to contribute to that account and kind of stock away savings for a rainy day so to speak because it can be used in future years so you can take that money and contribute it before taxes
It can grow in that account tax free and then it can be spent in future years tax free as well and so there are strong tax incentives to help make that plan and make that money as efficient as possible so if I were considering doing this what would be some of the key points you would suggest to me in order to find out what would work best for me well, I would look at how much money you’re saving by participating in the high deductible plan and they consider how much you might be able to contribute look at some of the that you might expect to incur as you seek out care and try to put away enough to cover those costs.
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