Invest in your health with aHealth Savings Account

HelloToday we’ll be answering these common

HSA questions:

What is it? What can it be used for?

Why should I have one?How does it work?

How easy is it to manage?Who is eligible?

What is an HSA?

Financial account owned by you

Paired with a high-deductible health plan

Pays for current and future medical expenses

A personal savings accountfor your medical expenses

Why should I have one?

Unused funds rollover

Triple taxsavings

Accountportability

Investmentopportunities

Health Savings Accountshave special advantages

What can an HSA be used for?

• Health plan eligible expenses

• Vision and dental expenses

• Over-the-counter (OTC) items

• COBRA premiums

• Medicare premiums (for people 65 and older)

• Health insurance while receiving unemployment

• Long-term care insurance

Helps you pay for a variety ofeligible medical expenses

How does it work?

• Employers and/or employees can contribute

• Employer contributions belong to you and are not taxable

• Pretax contributions, through payroll deduction, can be changed at any time

• Post-tax contributions are an “above-the-line” deduction

• Contributions can be made up to the date tax returns are due

Contributing to anHSA is easy

How does it work?

2014 maximum contributions:

$3,300 Employee-only coverage

$6,550 Family coverage

55+ catch-up contributions:

$1,000

Maximize your contributions and your savings potential

How does it work?

HSA Debit Card Out-of-pocket with online reimbursement

Direct deposit

We make it easy for youto access your HSA funds

How does it work?

• Only withdrawals for qualified medical expenses are tax free

• Expenses must be incurred after HSA is established

• Expenses are reimbursed up to the HSA balance

• No time limit on reimbursement requests

• Keep all receipts in case you’re audited by the IRS

• Ineligible expenses are taxable and can be penalized

A few things to know aboutusing your HSA funds

How easy is it to manage?

Register with the site to:

• View your account 24/7

• Request reimbursement (submit a claim)

• Check balance

• Make contributions

• Pay health care providers from your HSA

• Authorize access to SelectAccount customer service on your behalf

• View account activity

Managing your HSA is easywith SelectAccout.com

We’re here to help

1.800.859.2144651.662.5065

Monday thru Friday

7 a.m. to 7 p.m. CST

Our expert, friendly service teamis here to answer your questions

SelectAccount.comYour Online Member Service Center