My fiancé and I are trying to do a bit of homework. Pregnancies have not been kind to her body, and it's caused her to have many self-esteem issues. As all of us know, these types of procedures aren't cheap. But she's a shell of her former self. She needs a couple of procedures done, but the recession has not been kind to anyone in this region, especially us. We're trying to make every dollar stretch.
I have an insurance plan through work, with a HSA plan that already has funds in it. From what I'm reading, it's almost impossible to get the IRS to approve breast augmentation surgery payment via HSA funds. However, it sounds like a tummy tuck might be a different story. It sounds like, if a doctor deems this 'reconstructive' surgery rather than cosmetic, HSA can be used for the procedure. We very much deem this reconstructive. Is it just a matter of getting a doctor to write this in a letter? This would cut the procedure cost in half, as far as funds we would need to get financed.
Also, it sounds like HSA funds can be used for all of the peripheral costs, such as hospital stay, anesthesia, etc. Does anyone have experience with this? This would also lower the out-of-pocket costs substantially, even though HSA funds are actually funds I've already saved out of my own pocket anyway. Would it be too naïve to think that we could use HSA to pay for the tummy tuck, and part of the costs for a breast augmentation? From what I understand, the IRS just does not permit us to use HSA for the actual procedure itself?
Next, how would we go about finding a doctor that's less worried about just getting paid, and is compassionate and caring? Someone that is willing to help us find the best way to afford these procedures, even if it means that he or she may not be able to finance this? Would anyone be able to recommend someone in the Michigan area...preferably close to the Thumb region?
We're considering financing whatever HSA won't cover with an agency such as United Medical Credit, or Care Credit...as long as we can pay off the balance before the interest kicks in. We're very much hoping that we can minimize the amount that we need to finance, though.
This is a lot to read, and I apologize. I just very much want to help her with this, and there are limited sources of good info. We appreciate any help anyone might give us GREATLY. Thank you.