1. HealthEquity Member Experience
ASBAIT MEMBER DISTRICTS OPEN ENROLLMENT PRESENTATION
Month XX, 20XX 1

2. Member services call center in Utah open all day every day:
Member Services Line
Member services call center in Utah open all day every day:
24 – 7 – 365

3. Pre-Enrollment Help Line
Dedicated ASBAIT phone number to answer specifics about HSAs:
24/7 until June 30th

4. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.
The Basics 4
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5. Health Savings Account + Low Premium Plan
HSA COMPONENTS
HDHP
High Deductible Health Plan
THE HEALTH CARRIER INSURANCE PARTNER
HSA
Health Savings Account
THE ACCOUNT TO FUND
DEDUCTIBLE TAX-FREE
Insurance Company or TPA
AEI
Financial Custodian
HEALTH EQUITY
Convert passive users into active consumers of health services.
Understand & manage the financial side of healthcare.
Save & spend healthcare dollars more wisely.
Build equity in your health plan.
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6. Traditional Plan vs. HSA Plan

7. Traditional Plan vs. HSA Plan
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8. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.
Why an HSA ? 8
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9. Questions to Ask Yourself
How much do I pay out of my paycheck for each plan?
What is the deductible for each plan type?
What is the “out-of-pocket” maximum for each plan?
How much do I want to contribute to my HSA?
How much will I spend on healthcare this coming year?
What are my out of pocket costs for each plan type?

10. Employee Advantages with an HSA Plan…
Employee owned and money stays with you
Designed to pay for qualified medical expenses
Unlimited rollover of unused deposits
Tax-free contributions and distributions
Expenses include medical, Rx, dental, vision
Can cover spouse/dependent expenses even if on another health plan
Lower premiums, tax free, long-term savings
…Without Typical Execution Problems
Fragmented services
Minimal coordination
Administration problems
Poor user experience
Growing need to carve-out consumerism spending account experience for best-in-class decision support.
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11. Superior HealthEquity HSA Experience
1. Everything you get from a bank HSA and much more
-- Competitive interest rates
-- FDIC insured
-- Free HSA card
-- No fees for integrated investment option transactions
2. Information you need when you need it
-- 24/7 Health Equity consultants
-- Talk with real people real time
-- Online tools and information and proactive event messaging
3. HealthEquity Consultants available
-- Learn safe, effective ways to save on health care
-- Get help negotiating payment schedules with providers
-- Find out how to get the most of your HSA
-- Tax tips regarding HSAs – current and future
5. Easy to use self-service tools at MyHealthEquity.com
-- Manage account information
-- See real time balances
-- PayChoice on-line payment platform
-- Make payments from account directly to providers
-- Schedule one or more payments in advance
-- Set up electronic fund transfers
-- Rx and medical procedure OOP estimators
4. Lifetime Claims and Spending Record
-- Permanent record of claims and spending in one place
-- Take a tax deduction now
-- Use other dollars to pay for health care
-- Reimburse yourself after age 65 with tax-free dollars
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12. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.
Sample Scenario 12
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13. Hypothetical HSA Scenario
HSA Contributions Scenario
Employer Contributions:
$700.00
Employee Contributions:
$1,800.00
Total Contributions:
$2,500.00
Tax Bracket:
25%
Tax Savings on EE Cont.:
$450.00
HSA Claims Scenario
Preventive Care (covered 100%):
$0.00
6 Doctor’s Visits x $65:
$390.00
1 ER Visit x $150:
$150.00
12 Prescriptions x $45:
$540.00
Total:
$1,080.00
Individuals can contribute in 2011: $3,050/yr
Families can contribute in 2011:
$6,150/yr
TOTAL SAVINGS: $1,870.00
HSA Balance Year 1
Total Contributions
$2,500.00
Out of Pocket Expenses:
$1,080.00
Ending Balance:
$1,420.00
For illustrative purposes only.
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14. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.
Making the Decision 14
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15. ASBAIT Pre-Enrollment Employee Info Site http://www. healthequity
ASBAIT Pre-Enrollment Q&A Transition Line:
Hefty Tax Break Spared in Health Care Bill
NY TIMES

16. Suite of Enrollment/Educational Pieces
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Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

17. Customized Plan Cost Calculators
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18. Member Portal Web Tutorials http://www.healthequity.com/tutorials

19. We Wrote the Book www.hsaguidebook.com
Select: “order book”
Promo Code: “HSAsmart2010”
FREE PDF VERSION
THE COMPLETE HSA GUIDEBOOK
Steve Neeleman, MD
CEO/Founder
Practicing Surgeon
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20. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.
Member Experience 20
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21. Member Welcome Kits & Live Activation

22. Member Portal: Ease of Transparency
New employer messaging capabilities scroll here.
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23. HSA “How To” – Doctor Visits
Go to the doctor
Doctor sends insurance company the bill
Provider sends bill to employee
No co-pays
Insurance carrier adjusts price based on discounts
Employee pays the provider with HSA card
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Copyright © 2008 by HealthEquity, Inc. All rights reserved.

24. HSA “How To” – Pharmacy Prescriptions
Go to pharmacy
Pharmacy applies discount
Pharmacy sends claim to insurance company
Show medical ID card
Pay with HealthEquity card
Insurance company applies amount to your deductible – no paper work needed.
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25. On the Go: Mobile HealthEquity
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26. Other Important HEQ Numbers
EMPLOYER SERVICE:
MEMBER SERVICE:
BROKER SERVICE:

27. Confidential and proprietary
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28. Additional slides if needed.

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Quiz 29
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30. Question 1: What is an Health Savings Account (HSA)?
A personal savings account for qualified medical expenses
B. A triple tax-advantaged savings plan
C. The fastest growing health plan option in the United States
D. All of the above
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31. Question 2: True/False - My HSA balance will continue to rollover each year?
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32. Question 3: How much cash will my employer put in to my HSA?
$100
$300
$500
$800
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33. Question 4: True/False - Unlike an FSA, my HSA is real money that belongs to me?
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34. Question 5: How is an HSA better than a 401(k)?
Deposits are tax free
Deposits and account earnings are tax free
Deposits, account earnings, & qualified withdrawals are tax free
Like a 401(k), taxes are deferred and eventually must be paid
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35. Congratulations!
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36. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.
Q&A 36
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37. Top Ten Questions We Hear
How do I contribute to my HSA?
Payroll deduction for pre-tax. For post-tax, call us, go online and set up EFT, or send in check with form.
How do I find out my account balance?
Go online or call us.
How do I pay for my prescriptions from my HSA?
Simply swipe your HSA Visa Card at the pharmacy.
I forgot to pay for a prescription with my HSA card, how do I get reimbursed?
Go online to set up EFT to reimburse yourself or call us.
Where can I use my HSA Visa Card?
Run it like a credit card at your pharmacy or medical office.
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Copyright © 2010 All rights reserved.

38. Top Ten Questions We Hear
Can I get a card for my spouse?
Yes. Just let us know when you activate your card.
Will I receive a statement for my account?
Yes, once a month.
Is my HSA FDIC insured?
Yes, it is.
Does the money I have in my HSA rollover from year to year or do I lose the money at the end of the year?
The money rolls over year to year. You do not lose the money in the HSA. It is your money. And you earn interest on it!
Do I pay for the full doctor’s office visit when I go to the doctor?
Some doctors may require you to pay upfront, but most will bill you later. Remember, you are only responsible to pay the discounted amount as determined by your insurance benefit. Do not let the doctor overcharge you at the point of service.
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39. Confidential and proprietary
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