1. Health Savings Account (HSA) Information
© 2016 ConnectYourCare. All Rights Reserved.

2. Who We Are
ConnectYourCare is your health care account administrator, offering the most advanced and user- friendly account solution.
Online and mobile account access
Health education tools
Payment card
Easy access to funds
ConnectYourCare is the administrator of your health care accounts. With ConnectYourCare, you will receive access to an online portal and mobile app to view your account balance, review transaction and claims history, and use health education tools. You will also receive a payment card to access funds.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

3. What is an HSA?
A HSA is like a 401(k) for health care. HSAs are tax- advantaged accounts that accumulate interest and can earn investment returns. The funds can be used to pay for qualified medical expenses today or can be saved for future expenses.
Account Advantages
Triple tax savings
Interest and investments
Multiple uses
Easy to access 
Portable – it stays with you when you leave your company or retire
Unlike traditional insurance where you only benefit if you use it, with an HSA, you can spend your HSA on today’s expenses, or save and invest your HSA funds for future expenses or for retirement!
HSAs offer an number of benefits, including:
Triple tax savings. Contributions, whether they are made by you or your employer, are not taxable to you, and investment growth is not taxed while it is in the account. Distributions are not taxable as long as they are spent on eligible health care expenses incurred after the HSA was established.
Interest and Investments. Not only will your HSA balance earn interest each month, but once you meet the minimum balance, you will have the option to invest in nationally recognized mutual fund families.
Multiple uses. There are literally hundreds of eligible health care expenses for your HSA funds, including prescriptions, over-the-counter medications, doctor office co- pays, health insurance deductibles and coinsurance. HSA funds may be used for any eligible healthcare expenses for you, your spouse or tax dependents not covered by insurance or any other plan. HSA funds can even be withdrawn for non-healthcare items, but will be subject to regular income taxes and a 20% excise tax penalty (10% penalty for funds withdrawn before January 1, 2011).
Easy access to funds. Funds in the account are easily accessed with the ConnectYourCare healthcare payment card. Or, you can submit withdrawal requests online when using the card is not convenient.
The ability to take it with you. Because your HSA is owned by you, if you change jobs or health plans, your account stays with you. You can even use your account for retirement expenses when you reach 65.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

4. Why Enroll? Savings Savings Savings!
How it works: Assume “Melissa” earns $35,000 a year and has $1,500 in eligible expenses.
With HSA
No HSA
Annual Pay
$35,000
Pre-tax HSA Contribution
-$1,500
-$0
Taxable Income
=$33,500
=$35,000
Federal income and Social Security Taxes
-$7,362
-$7,852
After-tax dollars spent on eligible expenses
Spendable income
=$26,138
=$25,648
Melissa’s Tax Savings
$490 $0
HSAs can cover medical, dental or vision, and dependent child care expenses that you would otherwise pay for using personal funds, potentially saving you hundreds in taxes.
In this example, Melissa contributed $1,500 to her HSA. Because her contributions are taken out pre-tax, she does not pay taxes on the money contributed to her HSA, saving her $490 per year!
You’ll also find that HSAs are especially useful when large health care expenses, like braces or laser eye surgery, are on the horizon.
*Sample tax savings for a single taxpayer with no dependents; actual savings will vary based on your individual tax situation. Consult a tax professional for more information.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

5. Savings Add Up Over Time
Let’s say you contribute $3,000 a year to your HSA each year until retirement. Assuming you use $1,500 a year for medical expenses, earn 8% a year in interest and investments, and reinvest all earnings, your savings can really add up.*
*ConnectYourCare calculator: HSA Growth Estimator
Starting Age
HSA Value at age 65 25
$419,672 35
$183,523 45
$74,134 55
$23,469
Let’s look at those savings over time. An employee who opens an HSA at age 25, contributes 3,000 a year, but only uses $1,500 a year for expenses, could see it grow to over $400,000 by age 65! The growth could be even more if the HSA remains untouched.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

6. HSA Interest and Investment Options
Interest-Bearing Savings Account
Interest paid on balances of $1.00 or more.
Interest is calculated daily; paid monthly based on average HSA balance.
Interest is paid on first balances in the account.
FDIC-insured
Investment Options to Grow HSA Funds
Choose from a variety of world-class mutual funds covering a range of fund families.
Easy, online platform allows you to set up investments within minutes.
Similar to a 401(k), you may have different investment options for the money you put into an HSA. For money you anticipate spending in the near term, you may want to consider an interest bearing account. For money you don’t anticipate spending until the future, you may want to consider some growth options.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

7. Contribution Limits Maximum Annual Contributions for 2016
Individual: $3,350
Family: $6,750
Maximum Annual Contributions for 2017
Individual: $3,400
For individuals age 55 and older, additional “catch-up” contributions allowed
$1,000 – 2016 and 2017
The IRS adjusts the amount you are allowed to contribute to your HSA each year based on who is covered by your HSA eligible high deductible health plan. For 2016, it’s $3,350 for self-only coverage and $6,750 for family coverage. For 2017, it’s $3,400 for self-only coverage and $6,750 for family coverage. This maximum includes all contributions from all sources, including employer, employee and other contributions. It may be less if you do not remain HSA eligible for the full year.
If you are 55 or older, you are allowed to contribute an extra $1,000 in 2016 and
Contributions can be made at any time during the year, and may be made up until the tax filing deadline (April 15) of next year.
It’s important to understand that account holders are responsible for ensuring their contributions are within the legal limits. If you over contribute, you may be subject to tax penalties.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

8. HSA Distributions
Distributions allowed at any time without restriction
Distribution is tax-free if taken for “qualified medical expenses” incurred by one of the following after HSA was established:
The account holder
Spouse of the account holder
Any dependent of the account holder
even if not covered by the HDHP
Qualified medical expense must be incurred on or after the HSA was established
If HDHP coverage effective on first day of month, HSA can be established as early as first day of same month
If HDHP coverage effective any day other than first day of month, HSA cannot be established until first day of following month
Account holders can use HSA funds at any time for qualified medical expenses. Even if the account holder is no longer HSA-eligible, he or she may still access funds. Funds can be used to cover qualified medical expenses for the account holder as well as the account holder’s spouse and dependents.
However, HSA funds only cover expenses that occurred after the HSA was established. The HSA establishment date depends upon the date the qualified HDHP coverage becomes effective.
Even with the availability of your HSA funds to pay for healthcare expenses, it’s important to remember to always show your health insurance card when visiting a provider. This will ensure that you are getting charged the correct amount for the visit and that your deductible is being accumulated correctly.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

9. HSA Funds Never Expire! Your HSA is yours forever!
If you have unused funds at the end of the plan year, they will automatically roll over to the next year and will still be accessible
(Note: Funds that roll over from the previous year are not considered as part of your contribution limits)
Your HSA is portable too!
Your HSA will follow you for life,
even if you get a new employer
or retire
Customize this slide per your rollover setup.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

10. Who is Eligible for an HSA?
Any individual or employee can open and make contributions to an HSA, if they meet all of the following requirements:
Covered by a qualified HDHP
Not covered by other health insurance
Not enrolled in Medicare
As of January 1, 2016, in the past 3 months, you did not receive Veteran’s Administration benefits that were not connected to a service disability
Can’t be claimed as a dependent on someone else’s tax return
Children who are tax dependents cannot establish their own HSAs
Spouses can establish their own HSAs, if eligible
No income limits on who may contribute to an HSA
No requirement of having earned income or being employed
There a few requirements to open an HSA:
You must be covered by a qualified HDHP and not covered by other health insurance, including a spouse’s plan. You cannot be covered under a General Purpose FSA or HRA, including your spouse’s general purpose FSA or HRA. Certain types of additional coverage are allowed, however, including Workers’ Compensation, Specific disease coverage, Disability, Dental and vision, and Long term care.
You cannot be covered by Medicare. Finally, you cannot be claimed as a dependent on someone else's tax return.
Please note, these are the requirements to start, or open an HSA. Once an HSA is established, you may always have access to the funds in it. However, if you become ineligible at any point in the future, you may no longer contribute funds to your HSA during the period that you are ineligible.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

11. Coordination Between Spouses
HSAs are individual accounts only
In general:
If both spouses meet the HSA eligibility requirements, both may open an individual HSA (optional).
If both spouses have self-only HDHP coverage, they can each establish an HSA and contribute up to the individual limit (2016: $3,350, 2017: $3,400).
If one or both spouses has family HDHP coverage, they can each open an HSA but can only contribute up to the family maximum (2016: $6,750, 2017: $6,750), plus any applicable catch up contribution ($1,000 to each eligible HSA).
A handout showing the various coverage scenarios is available.
Qualified medical expenses of a spouse can be paid from your HSA, regardless of whether the spouse is HSA eligible themselves.
If your spouse is the designated beneficiary, your HSA is treated as your spouse’s HSA after your death.
In general, the eligibility and contribution rules apply to married couples. The exception is that if either the husband or the wife or both have family HDHP coverage, then they can only contribute up to the family maximum in total during the tax year. They can split the total 50-50, or divide it differently by mutual agreement. For example, if the husband has family HDHP coverage and the wife has single HDHP coverage, they cannot contribute more than the contribution limit. If one or both are over age 55, they can also contribute the $1000 catch up contribution. The $1000 catch up contribution must be made to the HSA of the person over 55. If both are over 55, they can each add $1000 to their HSA.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

12. Covering Children HDHPs allow coverage for children up to age 26.
If your child can be claimed as a dependent on anyone’s tax return s/he is not eligible to open or contribute to an HSA.
If your child is eligible to have been claimed as a dependent on your tax return, you may cover their qualified medical expenses from your HSA.
Your child is eligible to open an HSA if s/he has no other health coverage except for qualified HDHPs (with the exceptions previously noted) AND is not ELIGIBLE to be claimed as a dependent on anyone else’s tax return.
For example, if you have a family HDHP, your child could open their own HSA if they have no other health insurance coverage and are no longer qualified to be a dependent on your (or anyone else’s) tax return.
This child would be able to contribute up to the family maximum, or $6,750 during 2017.
Similar eligibility and contribution rules apply to your children’s coverage as well, but let’s lay out some specifics. It’s important to note that they cannot be ELIGIBLE to be claimed as a dependent on anyone’s tax return, not just that they are NOT claimed as a dependent. Let’s run through an example…
So, if your child is eligible to be included as a dependent on your tax return, you can pay for their qualified medical expenses from your HSA.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

13. Examples of Qualified Medical Expenses
Acupuncture
Eye examination
Orthodontia
Alcoholism treatment
Eye glasses
Physical exam
Ambulance
Fertility treatment
Physical therapy
Automobile modifications for physically handicapped
Flu shot
Prescription drugs
Guide dog or other animal aide
Psychiatric care
Retiree medical insurance premiums
Birth control pills
Hearing aids
Braille books & magazines
Hospital services
Smoking cessation program
Immunization
Chiropractic care
Sunscreen & sun block (SPF15+, broad spectrum)
Insulin
Christian Science practitioner
Insurance premiums
Contact lenses & related materials
Laboratory fees
Surgery
Laser eye surgery
Transportation for medical care
COBRA premiums
Long-term care premiums or expenses
Crutches
Weight loss program necessary to treat obesity
Dental treatment
Medical testing device
Dentures
Nursing services
Wheelchair
Diagnostic services
Organ transplant
Drug addiction treatment
There are hundreds of uses for your HSA funds, including medical, dental, vision, prescription expenses and some insurance costs for you, your spouse or your dependents. Here are just some examples of qualified HSA expenses, as deemed by the IRS.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

14. Examples of Qualified OTC Expenses
Some over-the-counter items are eligible for purchase with HSA funds.
Eligible without a Prescription:
Bandages
Braces & supports
Catheters
Contact lens supplies & solutions
Denture adhesives
Diagnostic tests & monitors
Family planning items
First aid supplies
Insulin & diabetic supplies
Ostomy products
Reading glasses
Wheelchairs, walkers, canes
Eligible with a Prescription*:
Allergy & sinus medicine
Antibiotics
Cold sore remedies
Cough, cold & flu
Feminine anti-fungal/anti-itch
Hemorrhoidal preps
Laxatives
Motion sickness
Pain relievers
Respiratory treatments
Sleep aids & sedatives
Stomach remedies
Dual Purpose Items:
These items can be used for a medical purpose or for general health and well being and are eligible only with a prescription, doctor’s directive or letter of medical necessity:
Dietary and weight loss supplements
Fiber supplements
Orthopedic shoes & inserts
Snoring cessation aids
Vitamins & herbal supplements
Some over-the-counter items are eligible for purchase with HSA funds. Other items require a prescription, doctor’s directive or letter of medical necessity. This list is subject to change. Please see for updated information.
* A “prescription” means a written or electronic order for a medicine or drug that meets the legal requirements of a prescription in the state in which the medical expense is incurred and that is issued by an individual who is legally authorized to issue a prescription in that state.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

15. Examples of Non Qualified Expenses
Cosmetic surgery
Illegal operations and treatments
Concierge service fees (billed for future services; no treatment actually provided)
Maternity clothes
Most insurance premiums (COBRA, long term care and retiree medical premiums are allowed)
Exercise equipment
Fitness programs
Teeth whitening
Funeral expenses
Hair transplants
Household help
These expenses are not HSA qualified. Cosmetic procedures and products are not covered, nor are gym memberships or dental products like toothbrushes or toothpaste. It is important to know what is and what is not qualified.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

16. Easy Access to Your Account
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17. Online Participant Portal
24 x 7 real-time access to:
Obtain real-time account balances
Check transaction history on accounts – contributions and disbursements
Submit online request for reimbursement, check claim status, and view reimbursement schedule
Add/update personal and direct deposit information
Access a variety of health education and wellness tools
Enrolled employees have access to an online portal, an online one-stop-shop for account information and health education tools. In here, you can view account balance and transactions, submit and view claims and reimbursement requests, manage personal and direct deposit bank information and access a variety of health education tools.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

18. Health Education Tools
WebMD Hospital AdvisorSM— Hospital information and rankings for specific procedures
WebMD Medication AdvisorSM— Information on less expensive prescription options
WebMD Treatment Cost AdvisorSM— Cost estimates on 350 of the most common medical conditions, tests, and procedures
WebMD Health TopicsSM— A to Z medical encyclopedia listing of over 1,500 ailments with information, treatment options, prevention, and more
WebMD HealthQuotientSM— State-of-the-art assessment tool that scores participants’ health status, calculates risk levels, and provides recommendations for health improvement and behavior change
Symptom Checker — Information about what medical symptoms could indicate and helpful facts before a doctor’s visit
You will have access to a number of health education tools through the online portal. These advertisement-free online tools are a great resource for trusted health care information. From looking up the average cost of a prescription, to finding the best hospital in your area for treatment, to researching a medical condition, these health education tools cover your health information needs in one place.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

19. Mobile Solutions Mobile App Mobile Browser
Available for Android, iOS and Windows devices
View account balance, alerts and transaction history
Submit a new claim
Make payments with Online Bill Pay and Click-to-Pay
Tap to call Customer Service
Upload claim documentation with your device’s camera
Mobile Browser
Streamlined version of online account viewable from any mobile device
Access many of the Mobile App’s features without having to download it
Mobile Alerts and Two-Way Texting
Request and receive account information and alerts via text message
Sign up for this feature through your online account
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

20. Accessing Account Funds
Payment Card for HSA
Use it at locations where Visa is accepted
Use it for qualified health care expenses
Automatically records purchase online
Money comes directly out of your account
No need to pay upfront and wait for reimbursement
Cannot be used at ATMs
Multiple ConnectYourCare accounts are accessible with the same card (if offered by your employer)
You will be issued a payment card to easily access account HSA funds. The card will be mailed to your home address. Please be on the look out for the card so you do not accidentally throw it away! The card is active upon receipt; there is no need to call to activate the card.
I know this is little confusing, but even though the card says “debit” on the front, when you swipe the card at the merchant, please select the “credit” option to bypass having to enter a PIN. Or, use the last 4 digits of your card as your PIN.
Your card is merchant coded and will work at all IRS compliant merchants. When you use your card, always remember to save your receipts. ConnectYourCare may require them to substantiate the eligibility of a purchase, or the IRS may require them at tax time. Keep in mind that only itemized receipts can be used to substantiate the eligibility of a purchase. Always save your itemized receipts!
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

21. Reimbursement Requests
Pay with personal funds and request reimbursement any HSA purchases made without your card.
Pay for a qualified expense using personal funds
Enter your claim online or using the mobile app
Upload documentation online or with mobile app
Receive reimbursement via check or direct deposit
Tip: Set up direct deposit for faster reimbursements!
If using the card is not possible – like the provider does not accept credit cards or you left the card at home – you may pay for purchases using personal funds and request reimbursement online or via the mobile app. Whether you use your card or not, always show your health insurance card when paying for any health care service to ensure that you will be properly charged.
The online and mobile reimbursement request process is quick and easy. Simply login and follow the instructions to submit a new claim and upload documentation. Once your claim is received, you can view your claim online to ensure it’s been received correctly.
ConnectYourCare will process your claims in a matter of days. Once approved, reimbursements will be issued to you via check or direct deposit. You can get your reimbursement faster if you set up direct deposit online!!!
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

22. HSA Save-It! Works for Everyone
Everyone has different needs, but HSA Save- It! can help. Whether you use your HSA for health expenses today, as a tool for long-term savings, or a combination of both, HSA Save-It! is the quick and simple solution.
Let’s look at three different users. The first, our Super Saver, wants to save up his HSA for the future. He never dips into his HSA for health care expenses, instead choosing to pay using personal funds. The second user, the Rainy Day-er, uses her HSA funds for health care expenses sometimes, but other times pays using personal funds. Our third user, HSA for Health, does not have a lot of extra cash for health care expenses, so he pays with his HSA for every eligible health care expense.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

23. HSA Save-It Makes it Easy
Whether you cash out your HSA savings in 2 days or 20 years, making a withdrawal is fast and easy with HSA Save-It!
As the Super Saver and the Rainy-Dayer pay for eligible expenses using their personal funds, they can log those expenses in their online account under HSA Save-It!. Then, cashing out HSA funds in the future is quick and easy. All the IRS required information is right there! And, if the HSA for Health user ever wants to build his HSA savings, he can begin using HSA Save-It! at any time.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

24. HSA On Demand® Has You Covered
Unexpected medical expense? Not enough saved? No problem.
Funds are there when you need them
HSA On Demand automatically advances up to a year’s worth of contributions if needed
Not a loan or line of credit but an advance on your future contributions
Just continue contributing to your HSA each paycheck, as usual, until you repay the advance
NOTE TO PRESENTER: REMOVE SLIDE IF NOT OFFERING HSA ON DEMAND
Your HSA comes with a special feature called HSA On Demand. HSA On Demand makes your full annual election amount available on the first day of your plan year, giving you access to the funds you need to cover your care right away.
Think of it like overdraft protection...This way, if you have claims that occur early in the year, you have funds to cover the cost. Your contributions continue as scheduled to repay the amount advanced.
The best part about this feature is that it is automatic. You do not have to lift a finger to use it or to repay it. The advance funding feature will automatically kick in if you need it, and your contributions will continue as scheduled.
There are no penalties or payments with this feature - your future HSA contributions are available to you interest free.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

25. Customer Service Always Available
Best-in-class service to participant through multiple channels
Live Customer Assistance
Available 24/7, 365 days a year
Detailed questions or personal assistance
Trained in adjudication and call assistance
Interactive Voice Response
Account information
User name reminder or password reset
Online Portal, Mobile App, Mobile Browser and Mobile Alerts
Real-time account balances and transaction information
We connect with participants on their terms. We offer round-the-clock support to participants via live support or online or through mobile technology.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.

26. Frequently Asked Questions
How much can I contribute to my HSA?
For 2016, you can contribute up to $3,350 for individual coverage and $6,750 for family coverage. For 2017, you can contribute up to $3,400 for individual coverage and $6,750 for family coverage.
Individuals ages 55 or older can make additional "catch-up" contributions of up to $1,000 per person in 2016 and 2017.
How will I be able to access my account funds?
You will receive a healthcare payment card to access your HSA funds. You can also pay for eligible expenses with any other form of payment and request reimbursement from your account.
When can I request reimbursement from my account?
You have access to the account when your plan becomes effective.
Here are some of the most frequently asked questions we hear about HSAs.
How much can I contribute to my HSA?
For 2016, you can contribute up to $3,350 for individual coverage and $6,750 for family coverage. For 2017, you can contribute up to $3,400 for individual coverage and $6,750 for family coverage. There is an additional $1,000 “catch-up” if you are 55 or older for 2016 and
How will I be able to access my account funds?
Your payment card will be the easiest way to access your HSA funds or you can pay for your expenses with any other form of payment and request reimbursement from your account.
When can I request reimbursement from my account?
You have access to the account as soon as it is opened.
Visit for more Frequently Asked Questions.
Thank you for your time. We hope that you enjoy the significant advantages offered through a Health Savings Account and we look forward to serving you through the administration of your healthcare account.
© ConnectYourCare. All Rights Reserved.
© 2016 ConnectYourCare. All Rights Reserved.