December 2014

Useful Website: healthgrades

The website,, allows individuals to search for a doctor based on name, specialty, condition, procedure, and/or geographic location. Users can filter results by many options including Insurance Provider. While the home page does not have a field to input insurance, once you enter a search (see screen shot below), on the far right you will see an “other criteria” section where a consumer can filter by insurance carrier. However, If you input a specific provider the insurance accepted is hard to find. It is buried under phone and address – you need to scroll to the bottom of the page.

Caveat: Be sure to check with the provider that they are in-network. i.e. They may be listed as accepting Blue Cross Blue Shield of Florida, however BCBS-FL has three different networks; BlieOptions, BlueCare and BlueSelect. The site does not give you a carrier’s specific network choice. (The company tells me they are looking to add plan level detail to in the future.)

2015 HSA Contribution Limits

A health savings account (HSA) is a tax-advantaged savings account available to those who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit. Unlike a flexible spending account (FSA), funds roll over and accumulate year to year if not spent. HSAs are owned by the individual.

HSA 2015 annual contribution limits
HSA annual contributions limits – Single $3,350 / Family $6,650
HSA catch-up contributions – $1,000 for an accountholder age 55 or older

2015 Plan Design Requirements
Minimum deductible  –   Single $1,300 / Family $2,600
Maximum out-of-pocket expenses – Single $6,350 / Family $12,700

(Other HSA-eligibility criteria apply including: cannot be enrolled in Medicare, have received VA medical benefits in the past three months, or be eligible to be claimed as a dependent on someone else’s tax return.)

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