Ok folks, employer is moving us to a High Deductible Plan for our Health Insurance, and I'll now have a HSA that will be administered through Wage Works. Does anyone have any experience with this setup? and could you comment on some likes/dislikes? Do you find that most practices accept the Wage Works card? (Appears to be similar that to a VISA debit card) and how long does it normally take to get reimbursed if the provider does not accept the debit card? Basically, we are moving from a HMO to either a PPO or High Deductible Plan...and every time I run the numbers the high ded plan works out in our favor...wondering what the drawbacks are and would love some real world examples.