Michelle_C

$400 is expensive, but you need the POP. You could connect with your broker who could likely create one for you at no cost. Alternatively, I know a handful of vendors that are between less than that AND they provide tools to test. If you read the rules and are comfortable with your own assessment regarding NDT, you can simply note that and be prepared to speak to it in the event of an IRS audit. Or, discuss with your CPA as NDT is under IRS tax code Section 125.

BCBS could certainly recall a payment to the provider so I hope that answers your question specifically. As to how this will play out, that is not a question we can answer without knowing the intimate details of the plan details and the bankruptcy. If I had to guess, I'd say you may have gotten lucky. You may have been the one to actually drain any funds the group health plan had left. If that's the case, I would guess it highly unlikely that the employer can get those funds back from BCBS (via recalling provider payment). Unfortunately, things like this do happen in other instances...not just where the employer goes bankrupt. Many states have a guarantee association that would ensure the claims will be paid in the event of carrier insolvency. Admittedly, this is different because it is due to an employer bankruptcy. For now, I suggest not borrowing trouble and fretting over what you (Or anyone else) doesn't know. If this goes worst case scenario, you will have options to ensure that you're not ultimately on the hook for those claims.