Medical bills are fucking killing me.

[LuckyCharms]

9. It is ridiculous. I have so many stories about this...

I think it depends on the flex administrator, and how rigorously they interpret IRS rules.

I've also spent hours on the phone over the past few years, having to elevate my call to a supervisor, because some trainee bounces my claim erroneously.

I used to manage a consulting company that, among other things, administered FSA plans, so I know what is required and how it all works.

My flex administrator refuses to accept a lone EOB without proof of payment, a receipt that shows that you actually paid the amount shown on the EOB, and I won't pay a bill until I can see what I'm paying for.

When I think about it, say you are in, I don't know, a 10%-15% federal tax bracket for argument sake?

If you contribute $3,000 a year to your flex plan, you get a tax benefit of $300-$450 per annum. That's not worth it to me for all of the work that is involved on my end, just to get my own money back.