welcome to the organic green doctor blog

i am a family physician who was diagnosed with
early mild cognitive impairment(mci) amnestic type on december 21, 2010
this is a precursor to alzheimers disease
because of this diagnosis i have opted to stop practicing medicine
this blog will be about my journey with this disease
please feel free to follow me along this path
i will continue blogging on organic gardening, green living,
solar power, rainwater collection, and healthy living
i will blog on these plus other things noted to be interesting

Wednesday, September 17, 2014

unflex account

the flex account was designed to allow you to take money
out of your pay check tax free
to use for medical expenses or daycare expenses
the higher your tax bracket the higher the amount you save

so if you max it out at $2500
your bracket is 30%
you save $750 in taxes
your bracket is 20%
you save $500
if your bracket is 10%
you save $250

it seems worthwhile to me to do it
last year we put back $1800
based on our estimated medical and dental expenses
we saved at 20% tax bracket
$360 in taxes

so this should be a no brainer thing to do
straight forward it should be
we use a flex card thats hooked to a mastercard
just slide it through and make the payment
for services rendered
its all done electronically

quick easy simple

how do they make a lot of money those flex guys
they hope you dont figure out how the system works
so at the end of year if you have money left
if you dont use it they get to keep it
apparently thats what a lot of people do

but not me no the ogd does not leave that money on
the table

(heres a secret way to win against them
i did it because they made me mad
when i knew i was leaving my practice
i used up all my flex money for the year from my
flex account even though i only paid two months
on it
it was for $1500
they had to eat all that money
take that you jerks
yes its legal to do that)

i made the mistake of calling then once
man they are rude
even said some bad words as i laid the phone down
didnt know i had not disconnected the phone

i think they make it difficult to work the system
they deny claims it seems randomly
like they always deny our dental claim

no i send to them
we dont have dental insurance
since we come out ahead by not having it
and using our flex card to pay our dental bill
that is if you would ever pay the dang bill
like you are suppose to

then ive noticed that as it gets closer to the end of the year
they seem to do more denying claims
hoping i guess that you want refile

well they dont know me i guess

so i had $95 left in the account
and only 2 weeks left to use it up
with no expected medical bills left to pay
i scrounged around looked on the internet again
what can i deduct
there it was
medical mileage to and from the dentist doctor hospital
pharmacy physical therapy etc

so since i go to dallas twice a year
thats 180 miles x 2 x $0.235/mile = $82.8 i could deduct
for that trip
so i added on two trips to the doctor last year
to get my $95+
i always throw in extra since they try to get out of paying for
one of them

so i faxed it in
so i redid it and faxed it in
went on their website and found this form for challenging a denial

so i was getting mad now
theres no way i was calling them again
so i found another form and faxed it in
claim approved it said
checks in the mail

so i won at least i feel like i won
but i shoudnt have to work so hard to win

now dont yall let those guys keep your money

the organicgreen doctor

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