MMFS Employee Benefits Guide 2022

H.S.A. BENEFITS

HEALTH SAVINGS ACCOUNT FAQ

What happens if I don ’ t use all the money in my HSA? Once the money is deposited into your account. It is yours until you spend it. Unused dollars earn interest. This gives you choice and flexibility because you have the option to pay for medical expenses out of your pocket and save for expenses in future years or even after retirement. Can I see out-of-network doctors? The dollars in your HSA can pay for any qualified medical, dental or vision expense, in– or out-of-network. However, only in-network doctors and facilities are covered, discounted and applied to your plan deductible. Will providers collect any money from me at the time of service? In most cases, your doctor will not collect any money from you at the time of your visit. Instead your doctor will send the claim directly to UnitedHealthcare. UnitedHealthcare will process the claim and send you an Explanation of Benefits that will tell you if your plan covers the services and if so, what part of the covered services your plan pays. What if my plan coverage ends? If plan coverage ends, you can elect to maintain the account and continue to use it for qualified expenses until your account is depleted. You also have the option to transfer the account to another qualified plan or receive a check for the account balance (deposit your dollars into another HSA to avoid possible penalties).

SOME OTHER HSA ELIGIBLE EXPENSES INCLUDE:

 Alcoholism Treatment  Ambulance Services

 Laboratory fees  Orthopedic Inserts  Pregnancy /Fertility tests  Smoking Cessation Programs

 Transplants  Vaccines  Allergy Pills  Cold/Flu Medicine  Pain Relievers  Menstrual Products

Monitors  Chiropractor  Contact Lens Solution  Dental Treatment  First Aid Kits  Hearing Aid Batteries

 Breast Pumps  Blood Glucose Monitors  Blood Pressure

QUESTIONS? Call BenefitsVIP at 866.286.5354