How To Respectfully Decline Being A Bridesmaid Without Ending A Friendship

What is HSA?

HSA stands for Health Savings Account, a type of savings account that lets you set aside funds to pay for qualified medical expenses. HSAs are often available as a part of health insurance plans, though banks and credit unions offer them, too.

What can I buy with an HSA?

You can buy a lot more with your HSA funds than you think: menstrual products, over-the-counter medicines, sunscreen, and travel to and from medical appointments are just some of the things you can buy with an HSA.

Is HSA worth it?

Whether an HSA is worth it is really dependent on your needs. There are some nice advantages associated with it, though. You may be able to lower your out of pocket costs for medical needs. Plus, the funds are not taxed, so you may be able to save more. Unlike an FSA (Flexible Spending Account), HSA funds roll over year-over-year, so you don't have to worry about it expiring.

Should I max my HSA?

Maxing out your HSA to your account's annual maximum amount via monthly contributions can be beneficial if your goals are to save money and limit out of pocket costs for medical care. You can also opt to invest some of your HSA funds, which can be a smart decision for saving for things like family planning or retirement.

Sunscreen

Per Cigna, sunscreen counts as a reimbursable HSA purchase. SPF is super important for skin cancer prevention, plus wearing it regularly can reduce signs of aging – a win-win!

Hatch Alarm Clock

The famed Hatch Restore alarm clock is both HSA and FSA eligible. It's a superb tool for going to bed soundly and waking up feeling refreshed as ever!

Period Underwear

Menstrual care and feminine hygiene products are also HSA eligible. Cigna says this category may include tampons, pads, liners, cups, sponges, and similar items, like period underwear!

Theragun

This luxurious massage gun is both FSA and HSA eligible! It's truly life-changing for relieving muscle soreness and tightness. Therabody's other devices like the Theragun PRO Plus, Theragun Sense, and Theragun Relief are also eligible.

Oura Ring

This fitness tracker ring is FSA and HSA eligible – it can help you keep tabs on your sleep, activity, stress, heart rate and more.

Breathing Strips

According to Cigna, breathing strips are HSA eligible, plus you don't need a doctor's prescription for reimbursement.

Electric Toothbrush

Electric toothbrushes are HSA eligible and reimbursable with a medical diagnosis. This model in particular cleans way better than a regular toothbrush, expertly supporting your oral health.

Essential Oils

Essential oils are HSA-covered with a medical diagnosis. Certain oils can help relieve stress, anxiety, physical pain, and nausea, and aid in better sleep.

Hand Sanitizer

Hand sanitizers of any kind are also surprisingly HSA eligible. We love these sprays from Touchland because they're cute, easily portable, and smell delicious.

Humidifiers

Humidifiers are indeed HSA eligible – the moisture they put out into the surrounding air can relieve respiratory issues, common colds, and even reduce snoring.

Air Purifiers

Similarly, air purifiers are eligible because they can help remove airborne contaminants and viruses that cause allergies and disease.

Spa Trips

In the case you're prescribed a lovely visit to a spa or resort by a physician for medical treatment, the only part that's covered by HSA are the services you receive while you're there. The cost of transportation is not eligible for reimbursement.

Blue Light Glasses

Blue light glasses are covered by HSA; lenses like these block out blue light from screens which helps prevent eye strain and fatigue.

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A post shared by Josephine Anderson (@fosterthevalley)

Josephine Anderson, who posted a video on her Instagram @fosterthevalley, outlined the costs of her uncomplicated vaginal birth, and TBH, it was shocking.

The financial breakdown of her experience (with Cigna for insurance):

• Routine office visits (including 2 ultrasounds): $1,266
• Labs: $3,440.81
• NIPT genetic testing: $15,319.36
• Anatomy scan: $1,270
• RhoGam: $360
• Hospital for mom: $23,722.10
• Hospital for baby: $7,402.80
• OBGYN for delivery: $5,000
• Epidural: $5,720
• Breastfeeding support: $2,589.78
• Pediatrician: $209

Josephine’s video warranted thousands of comments, most of which were appalled by the costs of her experience:

“This needs to be shared in SexEd classes,” one commenter wrote.

“The US medical system is BROKEN,” another said.

“And people are still confused why more women are choosing to remain child free… we literally can’t afford it,” another user commented.

Brit + Co spoke with Wendy Colson RN, IBCLC and CEO/Founder of BOOBIE Superfoods to gauge if Josephine’s costs were typical for the care she received. Colson has significant insight into how insurance works not only from an employer’s perspective, but from personal experience as a patient with breast cancer.

“The $4,788.98 net amount she mentions is realistic given that her deductible was $3,000. If she had chosen a plan with a $1,000 deductible – which is a common ceiling for good coverage – the same scenario would have cost her around $2,789,” Colson said. “The video highlights the importance of understanding what you're getting with an insurance plan, especially when you anticipate major life events like childbirth.”

Colson primarily attributes unanticipated costs for medical care (like in Josephine’s case) to patients that choose their insurance plans with, well, no real plan.

“Many [people] opt for the [plan] with the lowest paycheck deductions without fully evaluating the benefits,” Colson said.

There’s often a tradeoff between paying less per paycheck and receiving your desired benefits: for example, if you elect to contribute less money towards your insurance per paycheck, you may end up paying more out of pocket for things like doctor’s office visits and prescriptions.

“Making an informed choice is key to saving money in the long run,” Colson continued. “In short, it's crucial to consider both the immediate costs (like paycheck deductions) and the potential future costs (like deductibles and copays) when choosing an insurance plan.”

Another major cost Josephine mentions in her video was 12 weeks of unpaid maternity leave, which cost her a total of $18,000 (in lost income).

Per the passing of the Family and Medical Leave Act (FMLA) in 1993, moms have a legal right to up to 12 weeks of unpaid maternity leave. The U.S. Department of Labor notes that the act was designed to help employees balance their work and family responsibilities, accommodate the legitimate interests of employers, and promote equal employment opportunity for men and women.

It all sounds great until you realize the time off is indeed unpaid, which doesn't really aid in the amount of money parents end up owing after all is said and done in the pregnancy and childbirth processes.

Only 13 states plus the District of Columbia offer paid maternity leave. When you compare the United States’ laws to that of other industrialized nations, they don’t exactly measure up.

Colson says Sweden’s maternity leave policy is “one of the most generous,” offering 390 days of paid parental leave (shared between parents) and 80% of wages covered for a significant portion of the leave. In Germany, mothers are entitled to 14 weeks of maternity leave plus a tax-free, income-based allowance straight from their insurance provider.

Though it’s likely that US laws will never be that generous in terms of paid maternity leave, there are a few things you can do to make the blow of medical costs hurt a little less, says Colson.

“My advice is to be your own advocate,” she says. “If you’re planning to have a baby, start by understanding what your state provides in terms of paid leave to avoid surprises after delivery.”

To keep the cost of having your baby (if you’re planning to have one) transparent and free of surprises, Colson recommends:

• Asking your physician’s office for a detailed breakdown of insurance billing codes, including:
  • Office visits
  • Lab work
  • Epidural (and the anesthesiologist’s separate fee)
  • Hospital admissions
  • Specialist consultations during admission
  • Optional procedures like circumcision, if desired
• Email the insurance billing codes to your insurance provider, who can help calculate your out-of-pocket costs and deductible

“Having a baby is priceless,” Colson says. “By planning ahead – understanding your insurance options, healthcare costs, and available benefits – you can ensure peace of mind and focus on what truly matters: your growing family.”

After Mark Scout, Helly, and Irving learn the truth about the “severance” experiment and manage to break free from its clutches in the Severance season 1 finale, the three coworkers (along with the rest of the Lumon Industries employees) are forced to return to work in the second installment of the series. Now that Mark and some of his peers know what the company was really doing to the Lumon staff, one could only wonder: What are Lumon Industries's hidden objectives? (And what’s with all the GOATS?!)

Severance season 2 premieres on Apple TV+ on January 17, 2024 and stars Adam Scott, Britt Lower, John Turturro, Dichen Lachman, Dichen Lachman and Patricia Arquette.

Pack your bags, White Lotus fans, because our favorite hotel residents are catching a first-class flight to…Thailand! While there are a bunch of new guests checking into a luxury hotel, there’s one returning guest who needs no introduction. Natasha Rothwell, who made her debut at Belinda Lindsey in The White Lotus season 1, is the only returning cast making a brief cameo in season 3. Four Seasons Resort Koh Samui, here we come!

The White Lotus season 3 is coming in February and will star Leslie Bibb, Jason Isaacs, Michelle Monaghan, Carrie Coon, Parker Posey, Patrick Schwarzenegger and Blackpink’s Lisa Manobal.

I can’t be the only one still thinking about that bombshell season one finale of HBO’s The Last of Us! And apparently, I’m not the only one who’s eager to see the continuation of Joel and Ellie’s story in season 2. Fans of the video game adaptation have been keeping their eyes peeled for a new update about season 2. And one teaser later, we might have just gotten the news we’ve been looking for. Following the 2024 Emmy Awards, Chairman and CEO of HBO and Max Content Casey Bloys toldDeadline that The Last of Us season 2 will premiere around “generally first half of the year [2025], I expect them to be in the Emmy window.”

The Last of Us season 2 will star Pedro Pascal, Bella Ramsey, Gabriel Luna, Rutina Wesley, Kaitlyn Dever, Isabela Merced, Young Mazino, Spencer Lord, Danny Ramirez, Catherine O'Hara, Jeffrey Wright, Tati Gabrielle and Ariela Barer.

It's almost time to return to Cousins Beach, and I have missed all the hydrangeas, fair rides, and ocean sunrises. We haven't heard for sure whether season 3 will be the end of the road for this series, but if it follows even a few chapters in the third book in The Summer I Turned Pretty series, We'll Always Have Summer, then we will absolutely be getting some drama.

The Summer I Turned Pretty season 3 premieres in 2025 and stars Lola Tung, Christopher Briney, Gavin Casalegno, Sean Kaufman, Rain Spencer, Jackie Chung, and Rachel Blanchard.

It: Welcome to Derry — On Max in 2025

Bill, Richie, Beverly and the rest of the Losers Club members might have been able to defeat Pennywise in It: Chapter Two, but that doesn’t mean we've seen the last of Derry, Maine. Serving as a prequel series to the It movie franchise directed by Andres Muschietti, Welcome to Derry will delve into Pennywise’s origin story and how the child-preying clown arrived in Derry. But that’s not even the best part: Bill Skarsgård, who starred in It and It: Chapter Two, will reprise his role as the killer clown in the upcoming HBO series, which will be released in 2025. So until then, no accepting red balloons from creepy clowns, okay?

It: Welcome to Derry will star Jovan Adepo, Chris Chalk, Taylour Paige, James Remar, Stephen Rider, Madeleine Stowe, Alixandra Fuchs, Kimberly Guerrero, Joshua Odjick and Morningstar Angeline.

I’ve been a fan of Stranger Things since it premiered on Netflix back in 2016, and come next year, longtime fans like myself will finally get to see how the story ends. Last time we saw Eleven, Mike, Will and the rest of the Hellfire Club crew, they were facing an impending apocalypse after Vecna’s devious plan came to full fruition. So, will the group of friends defeat Vecna and save their home? Guess we’ll just have to wait and see because Stranger Things 5 likely won’t premiere until late 2025. Now, all we need is that release date, Netflix…

Stranger Things 5 is coming to Netflix soon and stars Millie Bobby Brown, Noah Schnapp, Finn Wolfhard, Caleb McLaughlin, Gaten Matarazzo, Natalia Dyer, Charlie Heaton, Sadie Sink, Maya Hawke, Joe Keery, David Harbour, Winona Ryder, Amybeth McNulty, and Priah Ferguson.

Court is back in session! Only this time, our favorite lawyers from the OG Pearson Hardman firm are not on the case. Thanks to Netflix, the original Suits (which starred the Duchess of Sussex Meghan Markle) experienced a renaissance of sorts upon its arrival to the streaming service in June 2023. And as a result, NBCUniversal ordered a spinoff series earlier this year. But instead of the bustling streets of New York City, a new group of lawyers are setting up shop in the Golden State in Suits L.A.

The new spinoff will center around an entertainment and criminal lawler named Ted Black, who launches his own law firm in California after moving from the East Coast. Originally, Suits L.A was slated to be a part of NBCUniversal’s 2024-2025 lineup. However, according to Deadline, there was a slight change in the production location, making a Fall 2025 release more likely. So, who’s up for a Suits marathon?

Suits L.A. is speculated to premiere sometime in 2025 and is set to star Ted Black, Josh McDermitt, Rachelle Goulding, Victoria Justice, Troy Wingush, Bryan Greenberg, Lex Scott Davis, John Amos, Kevin Weistman and Alice Lee.

Looks like Jenna Ortega won’t be giving us another macabre number anytime soon because Wednesday season 2 won’t arrive on Netflix until 2025. In a new interview with Vanity Fair, Ortega teases the upcoming installment will be much “darker” this time around. “I think the feel that we’re going for is a little bit more horror-inspired,” the Beetlejuice Beetlejuicestar adds. “Not to say that suddenly we’re the goriest show of all time. I mean, there’s six-year-olds watching.”

“This season is going to be bigger and more twisted than you can ever imagine," Catherine Zeta-Jones says in the new Wednesday season 2 first look.

“If we showed you any more, your eyes would bleed,” Ortega says. “And I'm not that generous.”