Long time lurker, but I have a question that I'd like some help with.
Earlier this year my contract/government job switched companies so I had to sign up for new benefits. Company 1's benefits were effective through 1/31/18, and Company 2's benefits were effective starting 1/8/18. My wife had a dental cleaning which we had to pay about $250 out of pocket for, after billing Company 1 insurance. To summarize:
- Company 1 had no HSA, and the health insurance was not a HDHP (deductible of $2500 a year). Billed the dental insurance (not regular health insurance) and had to pay the remaining $250 out of pocket for an operation on 1/31/18.
- Company 2 has an HSA, and I'm wondering if I can now use the HSA to reimburse us for the out of pocket expense.
Now my questions:
- I was covered by the HSA when the expense occurred, but I billed the non-HSA insurance. Can I still get reimbursed?
- How do the HDHP rules effect dental insurance? Do you add the dental deductible to the regular insurance to determine if you are eligible for an HSA?