https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 21 May 2026 22:31:46 +0000 https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927887 Mon, 03 Nov 2014 19:03:06 +0000 ShootingStar 1927887@https://boards.hellobee.com/ <p>@Corduroy: Just an FYI, but just don't think doulas are covered. It may have changed, but in the past they weren't eligible because they don't actually treat or prevent a medical condition. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927880 Mon, 03 Nov 2014 18:59:16 +0000 Mrs. Pen 1927880@https://boards.hellobee.com/ <p>@MaryM: did that change recently? When I was pregnant 2011/2012, they didn't reimburse the prenatals without very detailed prescription from my provider. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927486 Mon, 03 Nov 2014 15:26:12 +0000 dagret 1927486@https://boards.hellobee.com/ <p>My health insurance didn't cover the hearing test in the hospital either, FYI... </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927478 Mon, 03 Nov 2014 15:22:08 +0000 LindsayInNY 1927478@https://boards.hellobee.com/ <p>@dc yoga bee: Except it's just over $5,00 a year in premiums! So that's how we're paying for it. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927472 Mon, 03 Nov 2014 15:19:34 +0000 dc yoga bee 1927472@https://boards.hellobee.com/ <p>@LindsayInNY: $300 is waaay better than $3000! You could meet that in 2 doctor's visits it seems like lol! </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927468 Mon, 03 Nov 2014 15:18:35 +0000 LindsayInNY 1927468@https://boards.hellobee.com/ <p>@dc yoga bee: We were/are on an EPO plan now which is co-pays but nothing else - no deductible, co-insurance, etc. Unfortunately they're eliminating it as an option for next year :/ DH's lowest deductible plan is $300 though which isn't too bad. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927455 Mon, 03 Nov 2014 15:12:58 +0000 dc yoga bee 1927455@https://boards.hellobee.com/ <p>@LindsayInNY: Can you look into no deductible plans? I was adamant I didn't want a deductible, because when we were on my husband's work plan we had a $3,000 deductible. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927452 Mon, 03 Nov 2014 15:10:42 +0000 LindsayInNY 1927452@https://boards.hellobee.com/ <p>@dc yoga bee: Ahh. Yours is fixed rate based. What I saw said 10 or 20% coinsurance after deductible is met. But I don't know what the underlying cost will be! Makes it hard to budget for! </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927443 Mon, 03 Nov 2014 15:08:35 +0000 dc yoga bee 1927443@https://boards.hellobee.com/ <p>@LindsayInNY: The insurance. This is a basic chart. They also have a more detailed booklet with everything and anything in it (i.e acupuncture benefits and chiropractic). The booklet also tells me how many days I can stay for routine vs. c-section, etc... Play around on the insurance's website and you might be able to find it with some digging! Better yet, they may have a book or some sort of literature they can send you. We have health fairs at our agency where they all come and have literature and reps on site to answer questions. Again, I also called and confirmed with them.<br /> <a href="http://www.fepblue.org/en/benefit-plans/bo-benefit-charts/#basic-maternity-chart" rel="nofollow">http://www.fepblue.org/en/benefit-plans/bo-benefit-charts/#basic-maternity-chart</a> </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927430 Mon, 03 Nov 2014 15:00:11 +0000 looch 1927430@https://boards.hellobee.com/ <p>We did the max, and for the first time, we've blown through it all. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927426 Mon, 03 Nov 2014 14:55:56 +0000 gingerbebe 1927426@https://boards.hellobee.com/ <p>Virtually all breastfeeding equipment is eligible. Check drugstore.com's FSA store but it's like milk storage bags, pumping bras, pump supplies, nipple shields, pump steam bags, everything. Also prenatals are covered and so is sunscreen (even the really expensive organic kinds) and things like disposable puppy pads which are great for under crib sheets. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927424 Mon, 03 Nov 2014 14:55:20 +0000 LindsayInNY 1927424@https://boards.hellobee.com/ <p>@dc yoga bee: The hospital's website or the insurance? </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927422 Mon, 03 Nov 2014 14:54:16 +0000 LuLu Mom 1927422@https://boards.hellobee.com/ <p>For 2014 I'm doing 2K: </p> <p>C-section for #2 &amp; additional hospital cost<br /> LO stomach medicine/doc appointments<br /> Sick appointments - 8-10 a year </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927420 Mon, 03 Nov 2014 14:51:12 +0000 dc yoga bee 1927420@https://boards.hellobee.com/ <p>@LindsayInNY: They have brochures on their website, and I also called to confirm. I have federal insurance, and so far they've been really transparent on what you get and how much it's going to cost. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927324 Mon, 03 Nov 2014 13:48:39 +0000 LindsayInNY 1927324@https://boards.hellobee.com/ <p>@dc yoga bee: How did you figure out the cost of birth? </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927322 Mon, 03 Nov 2014 13:47:30 +0000 dc yoga bee 1927322@https://boards.hellobee.com/ <p>This past year was my first year opting into a FSA, and I only did $200. We used it up in about 1.5months on copays. But, man I loved it! LO #1 is due in June. I think I will do at least $1,000 since it covers both mine and DH's copays, and will then cover LO. I just don't see us using $2500 since we already will only pay $150 for a hospital birth. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927199 Mon, 03 Nov 2014 12:49:29 +0000 yellowbird 1927199@https://boards.hellobee.com/ <p>I have an hsa since I'm on a high deductible plan. I 0 it in the full 3200, but it rolls over if I don't use it. Budgeting for our whole deductible (3000!) For lo2 to be born then everything else is covered 100% </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927191 Mon, 03 Nov 2014 12:38:39 +0000 bunnylove08 1927191@https://boards.hellobee.com/ <p>I elect for about $1500. I account for</p> <p>Usually my daily prescription medication<br /> copays to doctors ($15 a visit)<br /> Labs ($15 for lab visits)<br /> Eye appointments (I wear glasses and contacts)<br /> Contacts<br /> Solution for contacts<br /> Glasses<br /> DD's training pants</p> <p>I usually have some money left over ($100 or so) so I buy an extra pair of glasses, sunblock, bandaids at the end of the year. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927186 Mon, 03 Nov 2014 12:33:25 +0000 ladybee 1927186@https://boards.hellobee.com/ <p>@LindsayInNY: if it's a boy plan for circumcision if that's what you want. Our insurance didn't cover it and it was like $500. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927140 Mon, 03 Nov 2014 11:59:45 +0000 MaryM 1927140@https://boards.hellobee.com/ <p>You actually don't need a script for prenatals to be covered. </p> <p>I usually get about 1/2 the limit, but I only use it for myself. I ran out this year because I hadn't forseen get KU and miscarrying and all the expense of that. </p> <p>Usually I budget for my regular doctors appointments and allergy treatments (which are OOP since I get drops instead of shots). I've only had one or two years that I was under, and I went to the FSA section on drugstore.com to make up the difference. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927115 Mon, 03 Nov 2014 11:44:24 +0000 LindsayInNY 1927115@https://boards.hellobee.com/ <p>LO #1 in June too - not a clue what it will cost! Where do I even begin?!</p> <p>Contacts for a year for both of us - usually means a full year worth for me and six months worth for DH. Sometimes glasses for him too. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927092 Mon, 03 Nov 2014 11:29:48 +0000 Mrs. Pen 1927092@https://boards.hellobee.com/ <p>We usually always get the full amount. If we don't use it by the end of the year, we get extra glasses or contacts since insurance only covers so much. We've also bought some things like first aid kits, thermometers (I'd give the nice in-ear one as a gift to new moms!), etc.</p> <p>If you have your doctor write a prescription for exercise or prenatal vitamins, those can be covered too! </p> <p>So we always find ways to use it if we have extra leftover, but I know we didn't the year our son was born! </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927082 Mon, 03 Nov 2014 11:21:36 +0000 BSB 1927082@https://boards.hellobee.com/ <p>I usually request the full amount of $2500. With my DH's dr copays, hospital visits and prescription meds, we usually run out around August. One year we had extra and we ended up both getting new prescription sun glasses. </p> https://boards.hellobee.com/topic/fsa-account-planning-what-expenses-are-you-budgeting-for#post-1927077 Mon, 03 Nov 2014 11:17:27 +0000 Corduroy 1927077@https://boards.hellobee.com/ <p>It's open enrollment season at my office (and DH's). We're expecting LO2 in June and trying to plan out the amount of pre-tax dollars to put in our health FSA. Here's what I have so far. </p> <p>Birth $250<br /> Doula ??? - I need to check our individual plan requirements. We spent $1500 for LO1 (not covered).<br /> Co-pays ($20) for 8 sick baby appointments (LO1 &amp; 2) $160<br /> Prescription co-pays for random antibiotics - $60</p> <p>What are you ladies budgeting for? I don't want to forget anything big. </p>