WonderlandisReality
DIS Veteran
- Joined
- Oct 23, 2016
Is an HSA (Health Savings Account) credit card accepted as a form of payment on board at the medical clinic, should you need to use their services?
No. Services are billed to your onboard account and must be paid while onboard. Then you have to file claim with your own health plan people. Be sure to get copies of all medical procedures done to include in the claim.Is an HSA (Health Savings Account) credit card accepted as a form of payment on board at the medical clinic, should you need to use their services?
But does the payment you make need to be coded as medical? I think if you pay through your onboard account the payment would be coded as travel. Not sure if this causes issues with the HSA?People confuse HSA with health insurance. Nor is it the same as FSA. Nor are there any forms to submit with HSA.
HSA is a debit card. Ours is a VIsa. So anyplace that takes a Visa Debit card will take it. It works just like any other Visa.
No it doesn't have to be coded as medical. You just keep the receipt in case your taxes get audited. For example you can use it at Walmart to purchase certain items. A Walmart cashier isn't taking the time to stop and code items or even look at the card. You just swipe it through the machine. For that matter my doctors don't even look at my cards anymore. They have the card swiper on the counter and I just swipe. The person doesn't ask if it's HSA Visa or regular Visa. It looks just like a regular Visa card.But does the payment you make need to be coded as medical? I think if you pay through your onboard account the payment would be coded as travel. Not sure if this causes issues with the HSA?
But if it’s like any Visa debit, you should be able to ask guest services to put a specific amount on that card and charge it. If it’s a large sum, you need to be quick as they do charge the card on file when you’re over a specific limit.
You are correct about the debit card. But you should also have a way to submit and expense for reimbursement if you paid in another manner (another credit card, check, cash, etc.). That might be a form or an online submission.Nor are there any forms to submit with HSA.
You bring up a good point. Check your health insurance BEFORE you go. To be honest, until I went on Medicare, I had never had health insurance that would not cover me everywhere in the world. However, my private Medicare supplement does cover me outside the country.Keep in mind that a lot of US health insurance doesn’t work outside of the US, which is a reason many purchase travel insurance. An overseas appendectomy can set you back tens of thousands of dollars.
My local hospital actually does ask. I pay the bills through the online portal and there is a check box to check if using an HSA. A couple of times I have missed (or overlooked) that box and the payment does NOT go through. I called once and they explained I need to check that box.The person doesn't ask if it's HSA Visa or regular Visa. It looks just like a regular Visa card.
I do this anyway so that I can get credit card points on my medical spending. My out of pocket max is $6k and we will hit it (thanks cancer). That's a lot of Southwest points! At least something good can come out of all this medical spending.Our HSA has a pay yourself back feature. Pay onboard with a credit card. Pay yourself back out of the HSA for the medical charges.
To an extent...I can tell you that if you accedentallly give the server at Texas Roadhouse your blue HSA card instead of your blue Chase card, it will not work. Apparently, you cannot pay for steak with your HSA card...ask me how I know.No it doesn't have to be coded as medical. You just keep the receipt in case your taxes get audited. For example you can use it at Walmart to purchase certain items. A Walmart cashier isn't taking the time to stop and code items or even look at the card. You just swipe it through the machine. For that matter my doctors don't even look at my cards anymore. They have the card swiper on the counter and I just swipe. The person doesn't ask if it's HSA Visa or regular Visa. It looks just like a regular Visa card.
I do this anyway so that I can get credit card points on my medical spending.
To veer off-topic and give a quick explanation... Many folks have what are called HDHP (high deductible healthcare plans) and with that are eligible for an "HSA" (health savings account). The deductible is an amount you are charged for your healthcare expenses before insurance will kick-in to cover part/all. You get to deposit up to $8300 into this HSA account pre-tax and use it for any medical expenses -- deductible, coinsurance after deductible, out of network or uncovered charges, vision, dental, etc.Here you can claim healthcare costs that aren’t covered by your insurance against your taxes, but it seems that the HSA is a much more simpler way of doing it.
I put my cancer surgery and treatment copays on my Disney Visa. It’s going to pay 1/2 the price of my Treasure cruise in Feb.I do this anyway so that I can get credit card points on my medical spending. My out of pocket max is $6k and we will hit it (thanks cancer). That's a lot of Southwest points! At least something good can come out of all this medical spending.
I hope you're doing well and can celebrate being done with everything in Feb. My first cruise post-treatment was emotional! I'm almost one year past treatment. It's not always easy (it seems like even when you're done having cancer, you're never really done having cancer) but it's easier than being in treatment. All the best to you!I put my cancer surgery and treatment copays on my Disney Visa. It’s going to pay 1/2 the price of my Treasure cruise in Feb.
Got done with my radiation in 2018. Bought WDW AP as my treat. All the scans clear for the 4 years I had to do imagining. Just a yearly check of my scalp where the cancerous cyst was. Lost my hair in top of scalp, but I have a Mickey hat which I almost lost on Splash Mountain first trip back after finishing treatment. Luckily it flew in the seat behind me so I got it back.I hope you're doing well and can celebrate being done with everything in Feb. My first cruise post-treatment was emotional! I'm almost one year past treatment. It's not always easy (it seems like even when you're done having cancer, you're never really done having cancer) but it's easier than being in treatment. All the best to you!