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What you need to know before buying Health Insurance  

Is pregnancy a Pre-Existing condition? Maternity Insurance

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Don't Let Your Flexible Spending Account Go to Waste

A flexible spending account (FSA) allows employees to set aside a portion of pre-tax earnings to pay for qualified expenses as established by their employer's plan. The money in an FSA is typically used for medical expenses, but can also be used for dependent care if the plan allows.

Of all the employees nationally who take advantage of this benefit, many are wasting their money and missing out on an opportunity to better manage their health. That's because a significant number of those who participate will forfeit unspent funds under the "use it or lose it" rules that apply to these plans.

Many companies have designed their FSAs to permit employees to receive reimbursement for unused funds if they submit a claim 90 days before the plan year-end. Some employers have chosen to implement a 2005 U.S. Treasury Department regulation that allows them to offer an additional 15-week grace period to their employees. During the grace period, employees may be reimbursed for expenses from their prior plan year contributions. However, if employees miss the year-end deadline or grace period deadline, and do not submit their claims by their company's deadline, they will automatically forfeit any unused amount in their FSA.

The following tips can help you to avoid forfeiting your FSA dollars:

· Use your account for the items that you use the most - Over-the-counter medicines and topical aids such as aspirin, pain relievers, cold and flu remedies, antacids, band-aids and first aid creams are reimbursable. Most medical equipment and supplies can also be reimbursed, including crutches and walkers, pill splitters and organizers, and thermometers.

· Don't overlook hidden reimbursable expenses - You can submit claims for mileage expenses related to medical care, which can be reimbursed at 20 cents per mile for 2007. Another hidden reimbursable expense includes items used for the upkeep of medical equipment, such as batteries for hearing aids and cleaning solution for contact lenses.

· Take advantage of preventative care - Annual check ups, routine prenatal and well-child care, and child and adult immunizations, such as flu shots, are all excellent ways to use money in an FSA.

· Stop smoking - Smoking cessation program fees are eligible for reimbursement. So are items designed to help you stop smoking like patches and anti-smoking gum.

· Lose weight - Weight-loss program fees that are supported with a physician's statement indicating the necessity for participating in the program are eligible. However, the cost of food purchased as part of the program is not. Mileage traveled to and from the program is also reimbursable.

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