[Sylvanfan]

My employer changed benefits providers on January 1st. Said we had until December 31st to submit claims including Healthcare spending. One of my kids needed Orthodontic work which had $1600 uncovered by the dental insurance that My wife and I have. Was trying for 6 weeks to get the right statements from each provider plus the Orthodontist to submit as HSA claim since I thought I had $1250 left or so. Submitted the claim on December 15th and called the provider to make sure I had all the right paperwork. On December 29th, I got a response saying claim denied because the money was drained out of the account on December 22nd. So that left me $800 out of pocket, plus another 450 unspent that I wanted to use to to either pay for more of that balance or buy new glasses which I badly need.

Looking like I've lost that money, I'm buggered the 800 bucks I've paid...employer suggests try making a new claim with the new provider and see what they say. Its enough to make me go look for a new job when things normalize again. Best case the new people honor the claim but now 40% of my money is spent to cover something that should have been covered last year. Realistically these guys won't pay it because rightfully it's not their claim to pay.