slowplay

If you've set up auto reimbursement and direct deposit, there aren't any hoops to jump through. I've used the FSA since its inception at Delta. The reimbursement process (cards) changed when the majority of Delta's health plan offerings became account based (HRA/HSA). HSA's only allow limited purpose FSA's (dental and vision), while HRA's spend the company provided dollars first.

Launchpad475

acl65pilot

check your pm's on the other place-

FlyingSig

Heads up to those that didn't know our dental plan changed this year too.... used to be run by MetLife and my dentist would just bill them.... now it's run by Delta Dental of Minnesota who my dentist has never heard of and I got to pay for the whole thing up front & get reimbursed later (we'll see how well this works...)

Superpilot92

I just set it up because I had no idea that this needed to be done and it wasnt communicated at all. You have to dig to get answers. I literally talked to 5 different people that all had different answers. To add insult they tell you to read the brochure for the details on whats covered and whats not. Well I did and this is what it says:

1. What is the Consumer Accounts Card (CAC)?

A special purpose debit card offered to you by
UnitedHealthcare (at your employer's request), that you can
use to help pay for eligible expenses quickly and conveniently
from a tax-advantaged account. Eligible expenses may include
such things as:
• Pharmacy prescriptions
• Office co-payments
• Eligible over-the-counter (OTC) health care items
(visit myuhc.com for a list of eligible 213(d) expenses)
• Deductibles, coinsurance
Types of tax-advantaged accounts include:
• Health Care Flexible Spending Account (FSA)
• Health Reimbursement Account (HRA)
• Dependent Care Flexible Spending Account
• Or a combination of these accounts

2. What types of expenses can the card be used
to cover?

Many of the expenses covered by your employer's benefit
plan (HRA plan or FSA plan) can be paid by using your
CAC. Certain expenses like:
• Prescription drugs
• Over-the-counter (OTC) items
• Co-payments
• Coinsurance and/or deductible amounts at in-network
medical, dental and vision providers
• Dependent care expenses (if your employer offers a
Dependent Care FSA and you have elected the account)
There are some restrictions when using the card. See your
enrollment materials and the materials that came with your
CAC for more information.

3. Where can you use the card?

Your card may be used at a variety of locations based on the
parameters of your employer’s benefit plan(s). In general,
your card may be used at hospitals, doctor’s offices, many
retailers and grocers, pharmacies and some dependent day
care centers. Review your enrollment materials to better
understand how the card works with your employers
benefit plan(s).

By reading that you'd think you can use it at the doctors office to pay for you visits but NO, you have to pay out of pocket and wait for a reimbursement. This isnt explained in the UHC info, so it must be buried somewhere else. I love the "In General" part

My point is that its bs that we already pay high premiums and deductibles for healthcare only to further get beat up some more when it comes to accessing the money that we have set aside throughout the year. My REGIONAL airline had cheaper, better, and user friendly healthcare so why does it have to be difficult or frustrating at a Legacy Airline? Stand up for it all you want but the point is that it shouldn't be confusing or hard to get straight info about our healthcare providers.

acl65pilot

Um that sucks.

I sent my card to my doctor and had them set everything up prior to me coming in. I wanted to ensure it was billable to them before I went in and had to self pay.

forgot to bid

Its even better than that, the quote says:

The airplanes are the most efficient narrowbody aircraft in Delta’s fleet, Hank said, and provide a cost-effective tool for managing Delta’s capacity. The purchase will not add to Delta’s capacity, but will partially offset the reduction of DC-9s and regional jets in the fleet.

acl65pilot

FtB, if the hold true to their word, the RJ world at DAL will be shrinking a lot in the next two years......

FlyingViking

I notified my dentist when we received the card, her secretary contacted them and so far no reply. I am still waiting and we call them at least weekly. Agree, sux is the word for it.

hockeypilot44

I have the gold plan. My wife was admitted into the hospital. I was forced to pay the $1000 deductible upfront even though I have $1500 in my HRA. What a bunch of crap.

Superpilot92

Exactly the problem i'm talking about. I set the account up to spread the deductible costs over the course of the year only to find out we're blocked from using those funds that way. Its almost pointless to have.