2025-2026 Employee Benefit Guide - Huntington UFSD (6.26.25)

[Benefit] Health Savings Account

800.555.5555 www.myCIGNA.com

Virtual Care

What is a Health Savings Account?

Make the most of your H.S.A. It’s smart to research costs and quality, no matter what health plan you have. But it’s even more important with an H.S.A. After all, it’s your money. You will have access to tools and resources 24/7, throughout the plan year, to: • Pick the right health plan • Make confident decisions • Take care of your health • Get help when you need it Contribute anytime You, your spouse, and family members can contribute anytime, up to a yearly maximum. There are convenient ways to contribute such as, payroll deduction, write a check or set up an electronic funds transfer from your bank account. Do what works best for you. Using your Health Savings Account How it works Step 1: Visit participating doctors, hospitals and other health care professionals. Step 2: Pay for covered health care services and prescriptions until you meet your yearly deductible . Use your H.S.A. if you’d like. Step 3: Then, pay a copay or coinsurance at each visit. Again, you can use your H.S.A. for these costs. Step 4: Pay until you reach the out-of-pocket maximum. Three easy ways to pay Flexibility is built in, with three easy ways to pay: Step 1. Debit card. Pay directly with a debit card linked to your H.S.A. Step 2. Online bill payment. Pay for health care expenses on your computer, directly from your H.S.A. Step 3. Online withdrawal. Transfer funds from your H.S.A. to your personal bank account. Now your health plan pays for covered services when you visit doctors, hospitals and pharmacies. You pay nothing.

Life is Demanding. It’s hard to find time to take care of yourself and your family members as it is, never mind when one of you isn’t feeling well. That’s why your health plan through Cigna includes access to medical and behavioral/mental health virtual care. Whether it’s late at night and your doctor or therapist isn’t available, or you just don’t have the time or energy to leave the house, you can: • Access care from anywhere via video or phone. • Get medical virtual care 24/7/365 – even on weekends and holidays. • Schedule a behavioral/mental health virtual care appointment online in minutes. • Connect with quality board-certified doctors and pediatricians, as well as licensed counselors and psychiatrists. • Have a prescription sent directly to your local pharmacy, if appropriate.

Combines traditional medical coverage with a tax-free savings account. It includes these key components: 100% coverage for preventive care when provided by an In-Network doctor. A savings account you establish through your employer and can use to pay for health care expenses. You, your employer, or both can deposit tax-free contributions. Your deductible, the amount that you must pay for eligible health expenses before your health plan kicks in with benefits. The health plan, with an annual out-of-pocket maximum on the amount you pay, Tax savings. Money you put into your H.S.A. can reduce your taxable income — helping you save on taxes you pay. Tax-free earnings. Money you keep in your H.S.A. earns interest tax free. Let it grow from year to year. Tax-free spending. Money you take from your H.S.A. to pay for qualified health care costs is never taxed. There are other benefits, too You own your H.S.A. You decide how to spend or save your health savings account. If you change jobs or health plans, you keep the account. You can even name a beneficiary to inherit your account. There’s no use -it-or-lose-it policy. Any money not used at the end of the plan year rolls over to the next year ... every year. It’s an investment. That’s right. Your H.S.A. is a savings account that earns interest. It’s a terrific way to put away money for health care costs down the road, even in retirement. After you build up a certain amount, you might have investment options. once you meet the deductible. It comes with tax advantages

Behavioral/Mental Health Virtual Care Licensed counselors and psychiatrists can diagnose, treat and prescribe most medications for nonemergency behavioral/ mental health conditions, such as:

Medical Virtual Care Board-certified doctors and pediatricians can diagnose, treat and prescribe most medications for minor medical conditions, such as:

Acne

Insect bites Joint aches

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Addictions

Parenting issues

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Allergies Asthma Bronchitis Cold and flu Constipation

Bipolar disorders Child/adolescent issues

Postpartum depression

Nausea Pink eye Rashes

Relationship and marriage issues

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Depression

Respiratory infections

Eating disorders

Stress

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Diarrhea Earaches

Shingles

Grief/loss

Trauma/PTSD Women’s issues

Sinus infections Skin infections

Life changes Men’s issues Panic disorders

Fever

Headache Infections

Sore throats

Urinary tract infections

MDLIVE medical and behavioral/mental health virtual care 888.555.5555

Cigna Behavioral Health also provides access to video- based counseling through Cigna’s net work of providers. To find a provider: • Visit myCigna.com , go to “Find Care & Costs” and enter “Virtual counselor” under “Doctor by Type” • Call the number on the back of your Cigna ID card 24/7

Convenient? Yes. Costly? No.

Medical virtual care for minor conditions costs less than ER or urgent care center visits, and maybe even less than an in-office primary care provider visit.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

QUESTIONS? Call BenefitsVIP at 866.000.0000

QUESTIONS? Call BenefitsVIP at 866.000.0000

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