When I was retiring from the City of Aurora I had over 600 hours of unused sick time. Nationwide sent me a letter offering a Post Employment Health Plan (PEHP). The letter clearly indicated that I would be able to use funds associated with my unused sick time to cover my out-of-pocket medical expenses. I decided to participate in PEHP. When I sent them some medical bills for reimbursement, they replied saying that my plan was for reimbursement of health insurance premiums only. This means that Nationwide was lying to me about reimbursement for out-of-pocket expenses. Their motive is clear: they want your money, and they want to keep it for as long as possible in order to use it and make a profit off your money. Talking to Nationwide representatives was a complete waste of time. They imitate understanding and quick actions, but in reality, they have no intention and do nothing to help you. My last communication with Nationwide was when I sent an email to Michelle Escobedo asking her to provide copies of some documents. She simply ignored my email. Before that, in her last email to me, she stated that (Quote) “The way PEHP is funded using only sick and/or annual leave, the IRS will only allow for the plan to reimburse health care premiums. This is an IRS rule” (End of quote).Only three scenarios are possible here. (Let us not forget that the Nationwide letter stated that, while participating in PEHP, I would be able to get reimbursed for out-of-pocket medical expenses.) Scenario 1: M. Escobedo was right; the IRS rule did not allow reimbursement for out-of-pocket medical expenses. This means that Nationwide grossly violated the IRS rule when, in their letter to me, they indicated reimbursement for out-of-pocket medical expenses. Scenario 2: The IRS rule allows reimbursement for out-of-pocket medical expenses, and M. Escobedo knows about it but she states the opposite. This means that M. Escobedo is a liar. Scenario 3: M. Escobedo is an illiterate, unprofessional employee. Here is some information for her. (Quote) “IRS rules for Post-Employment Health Plans (PEHP) confirm they are tax-advantaged arrangements, structured as a VEBA trust, for employees to fund medical expenses after employment.” (End of quote). I hope M. Escobedo’s logical abilities will allow her to understand that “medical expenses” is a very broad concept that fully includes the narrower concept of “out-of-pocket medical expenses”.
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