Okay, So I contribute to a flexible spending account at my iob for healthcare that I can contribute to before taxes to use for copays, deductibles, and prescription drugs, and any other covered thing. I can then spend this money to help offset healthcare cost. Today, while at work, my wife called me to see if an expense we incurred could be paid for with the FSA. I was not sure so I looked up the rules. What I found out was absolutely terrifying and ridiculous. The FSA will cover any transgender procedures but will not cover such things as breast enhancement for women, hair replacement, plastic surgery, or even Advil. So I can get my balls cut off, no questions asked, but I can't get hair on my head or my wife's breast larger using this account????
Probably their definition of elective. I think you should just go and have a transgender procedure. That'll show 'em.
What's ironic is that you apparently haven't yet grown a pair, otherwise you'd just admit you're trans-phobic without dragging people through this convoluted anecdote.
What I gleaned from this is that his wife has small t***, he's bald, they're both ugly and suffer from frequent aches and pains, but he has no interest in a sex change. Yet.
Your doctor can write you a "prescription" for OTC medications and they will be covered, so if you want to get reimbursed for that $3.79 you should be able to do it.
A) You don't get a tax deduction to get a cosmetic procedure B) You shouldn't be getting an FSA, you should get a HSA C) Your views on Transgender people is f'd up.
Aetna published the following recommendations for when sexual reassignment surgeries should be covered. Definitely not the same as an elective breast augmentation. Spoiler Policy Aetna considers gender reassignment surgery medically necessary when all of the following criteria are met: Requirements for mastectomy for female-to-male patients: Single letter of referral from a qualified mental health professional (see Appendix); and Persistent, well-documented gender dysphoria (see Appendix); and Capacity to make a fully informed decision and to consent for treatment; and Age of majority (18 years of age or older); and If significant medical or mental health concerns are present, they must be reasonably well controlled. Note that a trial of hormone therapy is not a pre-requisite to qualifying for a mastectomy. Requirements for gonadectomy (hysterectomy and oophorectomy in female-to-male and orchiectomy in male-to-female): Two referral letters from qualified mental health professionals, one in a purely evaluative role (see appendix); and Persistent, well-documented gender dysphoria (see Appendix); and Capacity to make a fully informed decision and to consent for treatment; and Age of majority (18 years or older); and If significant medical or mental health concerns are present, they must be reasonably well controlled; and Twelve months of continuous hormone therapy as appropriate to the member's gender goals (unless the member has a medical contraindication or is otherwise unable or unwilling to take hormones) Requirements for genital reconstructive surgery (i.e., vaginectomy, urethroplasty, metoidioplasty, phalloplasty, scrotoplasty, and placement of a testicular prosthesis and erectile prosthesis in female to male; penectomy, vaginoplasty, labiaplasty, and clitoroplasty in male to female) Two referral letters from qualified mental health professionals, one in a purely evaluative role (see appendix); and Persistent, well-documented gender dysphoria (see Appendix); and Capacity to make a fully informed decision and to consent for treatment; and Age of majority (age 18 years and older); and If significant medical or mental health concerns are present, they must be reasonably well controlled; and Twelve months of continuous hormone therapy as appropriate to the member’s gender goals (unless the member has a medical contraindication or is otherwise unable or unwilling to take hormones); and Twelve months of living in a gender role that is congruent with their gender identity (real life experience). Note: Rhinoplasty, face-lifting, lip enhancement, facial bone reduction, blepharoplasty, breast augmentation, liposuction of the waist (body contouring), reduction thyroid chondroplasty, hair removal, voice modification surgery (laryngoplasty or shortening of the vocal cords), and skin resurfacing, which have been used in feminization, are considered cosmetic. Similarly, chin implants, nose implants, and lip reduction, which have been used to assist masculinization, are considered cosmetic. Note on gender specific services for the transgender community: Gender-specific services may be medically necessary for transgender persons appropriate to their anatomy. Examples include: Breast cancer screening may be medically necessary for female to male trans identified persons who have not undergone a mastectomy; Prostate cancer screening may be medically necessary for male to female trans identified persons who have retained their prostate. Aetna considers gonadotropin-releasing hormone medically necessary to suppress puberty in trans identified adolescents if they meet World Professional Association for Transgender Health (WPATH) criteria (see CPB 501 - Gonadotropin-Releasing Hormone Analogs and Antagonists). Aetna considers the following procedures that may be performed as a component of a gender reassignment as cosmetic (not an all-inclusive list) (see also CPB 0031 - Cosmetic Surgery): Abdominoplasty Blepharoplasty Brow lift Calf implants Cheek/malar implants Chin/nose implants Collagen injections Construction of a clitoral hood Drugs for hair loss or growth Forehead lift Hair removal Hair transplantation Lip reduction Liposuction Mastopexy Neck tightening Pectoral implants Removal of redundant skin Rhinoplasty Voice therapy/voice lessons. http://www.aetna.com/cpb/medical/data/600_699/0615.html
This upcoming year will be my first with an HSA. Wife and kid will be on our as well. Hopefully it works out well for us.
Yes, because mutilating a perfectly ok physical body isnt f'up. Transgenderism is mental issue. We all have mental issues. Its a part of life.
I use an HSA, because I am young, and my company contributes $1000 per year. So far so good, although I don't love the investment options.
Yeah we'll get $1000 per adult for taking a metabolic syndrome screening. That's typical I guess. Seemed to me like using an HSA (at least the first year you use it) is betting on yourself to not have many medical bills. Then after that, since you're able to roll over your contributions for forever, you should be good.
So the left idiots in this forum have held true to form. I wouldn't ecpect anything less. While my hair is falling out I would not have hair replacement. My 55 year old wife's breast are just about perfect. Any of you would be jealous how good my wife looks no matter how old you are. She called to ask me if a heating pad is covered since our daughter brought our hearing pad with her to college. I do find it funny what is and what is not covered because it makes no sense what so ever.
A) Why is a sex change not cosmetic???? B) HSA is only available for high deductible plans. If you worked for a living you might realize that. C) Seriously??? You are about as f'd up person as I have ever seen. You are bat **** crazy left.
I think it will - they give triple tax benefit (pre-tax contribution, tax-free growth, and no tax penalty on withdrawal), just make sure to invest the money in a way that some is available for short-term and some for longer term. (for instance if your deductible is $1,300 I'd say put $2,600 into it with $1,300 in short-term bonds so you get some interest tax free, and the other $1,300 in longer term like the S&P 500 so you don't have to worry about fluctuations as much ). There is genetic basis to transgenderism - genetic difference with specific genes and other studies. I'm sorry that you have been brainwashed by right-wing pseudoscience into thinking it is a mental illness. Really shows that you are too lazy to do even minimal research but would rather believe what you have heard rather than fact. I just lost all respect for you. A) Same reason circumcision is not considered cosmetic. B) Most work plans have a deductible that qualifies you for an HSA. If you were at least semi-educated you would know that. C) Your views on Transgender are still F'd up.
