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GEHA HDHP V.S. Aetna HDHP, any experiences?
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Under its HDHP, Aetna contributes $67.50/month for self or $125/month for family (called a premium pass-through). The govt does not contribute to your HSA account.
I just noticed that I gave an incorrect amount that Aetna contributes to the HSA account for self. It should have been $62.50 per month, not $67.50. Sorry. phauser2011-12-18 20:24:57
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phauser wrote:Under its HDHP, Aetna contributes $67.50/month for self or $125/month for family (called a premium pass-through). The govt does not contribute to your HSA account. Yeah, well, it still sounds like someone is contributing to the HSA account. Answers my question either way. :) davidg19822011-10-27 12:21:18
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upandup, this occurred to me as to why the insurance might give a credit on future work reflecting what the primary fehb insurance had paid for preventive dental care. I read in the news that govt insurance programs require carriers meet certain levels of benefits paid as a percentage of premiums charged. If a carrier found itself a little off from that proportion, they could increase benefits as in the manner mentioned here, ie, by paying more than expected. They would not be required to do this per the individual claim, but by doing it, they would tend to satisfy the overall requirements of the program. Sound reasonable?
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OUtside,
Concerning the way Metlife is handling the coordination of benefits when Fehb/Aetna is paying for preventive dental care. as primary.....
The "benefit" (or credit) to which you are referring, has continued, recently covering our portion of a charge for a dental filling, and a charge for an additional problem-related dental exam (3rd exam for the year). I have tried to find something on the web that would explain this, but with no luck. I was wondering if maybe there is a difference in how the coordination of benefits works in different states. We live in Florida.
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It's very interesting. I was expecting to have seen how it would work in action with GEHA as FEHB primary and United Concordia as FEDVIP secondary, but the claim for a couple of fillings hasn't been processed by either carrier.
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Question: If I switch HDHPs can you transfer the money from GEHA's HSA Bank to Aetna's Chase bank?
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Mind Explorer wrote: Question: If I switch HDHPs can you transfer the money from GEHA's HSA Bank to Aetna's Chase bank? Money in an HSA is yours. You can transfer it any time you want, regardless of whether you switch or not. Just make sure to do a trustee-to-trustee transfer to avoid tax issues.
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upandup wrote: Mind Explorer wrote: Question: If I switch HDHPs can you transfer the money from GEHA's HSA Bank to Aetna's Chase bank? Money in an HSA is yours. You can transfer it any time you want, regardless of whether you switch or not. Just make sure to do a trustee-to-trustee transfer to avoid tax issues. Is that what a "roll over" is?. I want Aetna for their dental.Mind Explorer2013-11-15 04:01:45
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It's a rollover if you get issued a check from HSA Bank and then deposit it into your Chase HSA. I recommend a "Trustee To Trustee Transfer"--you never get the check. It goes from HSA Bank to Chase HSA. It makes taxes easier, and there are no limits on how many times per year you can do it.
A rollover will work, but it's more work for you.
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With Aetna's crazy premium increase, I decide to ditch them eventually. GEHA HDHP is currently on the top of my list. Any insights for Carefirst HDHP or MBHP HDHP?
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My husband and I made the switch from AETNA HDHP to GEHA HDHP.
I switched this year and my husband switched the prior year. So far, so good. AETNA had raised their premiums until it forced us to make the change. I liked Aetna's customer service better, but GEHA seems to be more reasonable in their prescription costs, at least for generics. We havent had any large expenditures yet, but so far, we have been satisfied.
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Originally Posted by: phauser  GEHA seems to be more reasonable in their prescription costs, at least for generics. I had Aetna prior to switching to GEHA for 2020. The prescription benefit for Aetna was non-existent. The craziest thing was that a 90 day supply via mail order was five or six times more expensive than a 30 day supply from the pharmacy. It drove me to GoodRX. |
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GEHA HDHP V.S. Aetna HDHP, any experiences?
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