Questions About HSA?
I love my fiance. So, when Erin told me that she needed an individual HSA plan, I told her I would help her, and even waive the fee we normally charge for InsurAdvise here at our store in Nashville, Tennessee :)
Then, I did all of the work for her. I picked the right individual HSA plan. I navigated through the online application. I made up her username, and a password, made her secret question "Who do you love", and then emailed it all to her and told her she better know what her secret answer was.
All she had to do was put her correct social security number in the online application, answer the health questions, and then hit "submit." I saw Erin that night. She thanked me, I said "no problem," and then she said she had also gone ahead and bought the individual dental plan.
Hmmmmm. I had purposefully "waived" it for her, but she changed that and bought it.
She said she had always had dental, and besides, what if someone punched her in the mouth?
Now, Erin doesn't like to talk about what I'm going to share here, so I'm going to ask that you keep it to yourself. She played rugby for two years in college, and only quit after breaking a bone for the *second* time.
So, I guess it's understandable that she may overestimate slightly the likelihood of getting punched in the mouth. Regardless, an individual dental plan, while good in many situations, would most likely not help her too much even if she did need it.
Once I told her that, she said, "Well, what about cleanings?"
We talked through the fact that she was having a cleaning later in September while still on her current group plan, and then before it was time for another one we would be married and she would be on the Bernard Health group dental plan.
At that point, anxiety washed over her face. She realized she was going to be wasting about $150! And how was she going to go back and fix it? Was she going to have to go back and call the insurance company? Would there be *gasp*...forms??!
Erin graduated from college early, wields an impressive Masters degree, and works in healthcare as a nurse practitioner. The moral of the story--you can buy insurance online. Absolutely. It's there for sale. Sometimes, though, it's worth it to have someone sitting right there with you while you make the decision and even while you fill out the online form!