Cómo ahorrar con una HSA o una FSA y cuál es mejor para usted
Boletín semanal
¡Descubra cómo las HSA y las FSA pueden ayudarle a ahorrar dinero y a reducir el estrés!
¿La historia corta? Estas cuentas de ahorro le permiten reservar fondos antes de impuestos para gastos médicos. ¡Así puede ahorrar hasta un 40% en los cuidados de rutina y en los tratamientos especializados!
Temas
Halloween’s not the scariest thing happening this week: Health insurance enrollment starts Friday!
To help you navigate a potentially intimidating decision process, we’re breaking down a straightforward way to save money on health costs in 2025—Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). Plus, we'll show you how Dr. B can help you unlock savings via a convenient, stress-free experience.
Your Checkup:
- Sick? Dietitians recommend healing comfort eats
- How to start shifting to daylight savings time now
- The world’s strongest woman, in so many ways
- How to avoid 3 common enrollment mistakes
- Do antidepressant meds really reduce sex drive?
- And here’s more on lowered libido + mental health
- Here’s why food recalls are happening more often
- Do supplements that encourage hair growth work?
- When eyelash growth serums will or won’t help
- How to make a smoothie that’s actually healthy
Primary Care
How to save with an HSA/FSA
HSAs and FSAs let you reserve pre-tax funds for medical costs. They reduce your taxable income, giving you more to spend on medical expenses like emergencies, routine care, and items or services that treat an illness, injury or disability.
You can only open an HSA if you have a high-deductible health plan—one with a high deductible you must meet before your insurer pays out. FSAs are only available if your employer offers one as a benefit plan.
Depending on your tax bracket, you can save up to 40% off medical costs using HSA/FSA funds! To learn more about how to open or unlock these powerful accounts, get the details at Dr. B.
The power of a Letter
We all know that exercise is good for our health. But if you have back pain, high blood pressure, high BMI, a sleep disorder or another condition, fitness can become a treatment.
The same is true of many goods and services: something that's good for one person’s wellness can be a medical need for another.
For the latter, the cost can be a qualified medical expense you can pay for with HSA/FSA funds! But to verify the cost, a provider must confirm the connection in a Letter of Medical Necessity. Only then can you file receipts and get reimbursed from your tax-free funds.
Want to find out if Dr. B can help you save time + get a letter online? Learn more at Dr. B.
Save on massage with Dr. B!
Not only can a massage feel amazing. It can also reduce inflammation, improve circulation, ease stiffness and soreness, and encourage better sleep. And if you have a medical condition, you may be able to save on massage therapy costs by using your HSA or FSA funds!
Dr. B is thrilled to now help qualifying patients get a Letter of Medical Necessity for massage therapy with a convenient online medical consultation. Skip the waiting room, save time and feel better faster! Learn more about qualifying conditions + requirements in this Dr. B article or start an HSA/FSA consultation.
Healthcare 911
“Not medically necessary”: Inside the company helping America’s biggest health insurers deny coverage for care (ProPublica). EvilCore. That’s what doctors call EviCore, a company that automates prior authorization requests for 1 in 3 insured people in the US. Their AI-backed algorithm rejects 20% of requests in areas that average 7%, and an investigation revealed salespeople boasting of a 15% increase in denials. The issue directly affects human health. So have a read.
Insurance should pay for over-the-counter birth control, White House proposes (NBC). The Biden Administration is proposing a new expansion to a federal mandate requiring insurers to cover preventative care services. In this case, OTC birth control would be obtainable free, and insurers would be required to cover prescription birth control (including the pill and some devices like IUDs) without consumer cost-sharing.
Black Americans still suffer worse health. Here's why there's so little progress (NPR). Racial disparities in key health areas have not improved in two decades—largely because policies have not been implemented to improve them. 80% of municipal incinerators (linked to cancers, stillbirths and more) are built in Black, Latinx and low-income communities, while public housing investment has slowed there. Read the article for more about how systemic + structural barriers keep people from care.
Temas
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