Yeah, it's a pain to use the card sometimes; I mostly use it for stuff at Walgreens or CVS. You don't have to send in the receipts. I'm still trying to figure out how to make a 12-pack of coors light ring up like a prescription.

well I went to the dr awhile back and they told me I owe nothing. Usually the have a 300 lb nurse/receptionist to tackle you and shake the loose change out of your pockets.

I know you are kidding but that about happened to my husband years ago!! She was over 6' and had a dark mustache. HAD to weigh 300lbs of solid MUSCLE.
He (being pretty young at the time) didn't want to head back with this linebacker. Ever see a man drag his heels and nearly cry?

She made him pay for it tho, stuck him repeatedly with a needle trying to draw blood LOL!!
I had to drive us home

DON'T FORGET.......on the HCSA CARD YOU CAN DEDUCT TRAVEL EXPENSES IF YOU HAVE TO HEAD OUT OF TOWN TO SEE A DOCTOR/SPECIALIST. Just print out a map from Mapquest or information from it and use as a guide to/from and they'll reimburse you. I have to travel nearly 100 miles round trip for my appts.

ALSO:
cold medicines
asprin
otc medications of all kinds
bandaids, wraps, pain relief gels for those aching muscles.
Keep receipts to copy ( I enlarge and underline the products with explainations on side) to fax.

Google" Stinging Words For The Health Insurers" and draw your own conclusions.

Very few problems in over the 15 yrs we've had CIGNA. A couple of phone calls and its been taken care of.