I'm hoping someone can help clarify a point in HSA plans. Our company offers a HDHP which is bundled. The dental plan has an extremely limited in-network plan so I opted to stay on my husband's dental plan (section 125). If I understand correctly, when I visit the dentist, I should just show the insurance card for my husband's plan as I am disqualified from using HSA funds under my "primary" plan.

Is that correct?

Has your company thought about how you will handle the insurance fee and transitional reinsurance fees that will begin in 2014 from the Affordable Care Act? I mean how you will handle these from an HR and payroll point of view?
Will you as an employer pay for this or will you pass this on to your employees? This will be costly either way. Do you think this fee will be billed as a separate billing from the insurance premium?

Thank you for your thoughts on this.

My employer plan stopped paying for a therapy for my autistic son. He receives therapy daily and it is a medically necessary treatment. Since they stopped covering and have issued denials can we now join my wife's employer plan that covers the treatment? We are in danger of losing his spot in this program and we are running out of money. Any info helps. Thank you

During a promotion last year I was promised stock options by my new manager as part of my compensation. During my annual review two weeks ago he reassured me that I should get the options. I called my HR department to verify, and was told that I did not qualify for those options. WHen I confronted my manager he said sorry I guess I was wrong. At the moment those options worth at least 5000 dollars, these options could potentially be worth hundreds of thousands of dollars. Do I have any recourse?

I thought I read somewhere that one of the things changing with Obamacare is if both people are employed and both are offered health insurance at their respective jobs, they have to enroll in the plan their employer provides. They can only be a dependent on their spouse's plan if they are already enrolled in their own employer's plan. Is this true? (I hope this was clear!)

Thanks.

I work in a corporation that has about 400 employees. I don't have health insurance right now. I think that the company offered some employees health insurance. Somebody told me that I should confront HR because they said I should have been asked if I wanted health insurance and sign that I didn't want it. They said that it is a law or some requirement. Does anybody know what law this could be. I want to be prepared before I talk to HR.