So my company's renewal period for our insurance is coming up. One of the options they offer is a Flexible Spending Account. All in all, it seems like a pretty sweet deal. They make the whole contribution available up front, and you save on income taxes. I really would like orchiectomy (and maybe some of the cheaper FFS) by the end of the year, so this seems really opportune.
Now, the literature lists a very broad range of covered expenses--and a pretty simple set of requirements for validating those expenses--but are all silent on the subject of us. And therein lies my problem. I really want to know what I'm getting myself into before signing up. Have any of you tried financing/reimbursing transition expenses (especially surgery) through an FSA?
My babbling begins below the line:
I guess my main questions are:
1. Do I even have to go through this at all? For one example, all the literature mentions sterilization as universally being an "eligible" expense, maybe I could/should go that route for my orchie and sidestep this whole mess...
2. How is trans care classified for FSA purposes? They have ineligible, eligible, and "potentially eligible" expenses. I've not seen much anything here.
3. Just what proof are they going to make me submit to get financing/reimbursement?
On one extreme, the literature says that all they even need for "potentially eligible" expenses is a single note from a (any?) doctor saying the procedure is medically necessary; other procedures don't need anything more than the receipt!
But on the other hand, FSAs are governed by IRS guidelines. IAONAL, but my reading of the O'Donnabhain case is that it only applies positively to those of us who are SoC "complaint"--all deviations therefrom may be grounds for denial. My problem is that I'm not; I don't have any letters. My prospective orchi doc works on IC, so I don't need them to get the surgery. Now that my therapy is no longer (effectively) covered, chasing these letters could easily rival the cost of the orchie itself! This is only affordable because I sidestepped that money pit.
I couldn't find out much from the people who "handle" the FSA. All I know for certain is that attendant expenses (travel, lodging) will require a letter of medical necessity. So I could easily drop those from any claim if need be.