It's a big help when you have it. It usually comes with an annual limit and a lot of rules for how it can be used. In some sense it really isn't insurance like we think of medical insurance which will cover you for an illness, accident, or surgery. I've heard it said that it is more like a Gift card that your company issues on Jan 1 of each year and goes away on December 31 with special rules in how you can access the Gift card. At our office we will try to help you utilize it to fullest. Call us if you have any questions.

Happy Easter.