USING YOUR HIGH DEDUCTIBLE HEALTH PLAN & HSA St. Croix Central School District November 2014

TODAY WE WILL COVER: The Medical Plan Deductible Amounts What is an HSA and how is it used How does the HSA work in conjunction with my medical plan How can I reduce medical expenses and save money

MEDICAL PLAN DESIGN SUMMARY

WHAT IS AN HSA PLAN? High deductible health insurance policy that covers large medical or hospital claims Investment or savings account from which you can withdraw money tax-free for qualified medical expenses

WHO IS ELIGIBLE FOR AN HSA? Any individual that: Is covered by a high deductible health plan (HDHP) Is not covered by other health insurance, unless it is a HDHP (includes traditional Flexible Spending Accounts and Health Reimbursements Accounts) Is not enrolled in Medicare or Tricare Has not received VA non-preventive care benefits in the last 3 months Is not claimed as a dependent on someone else’s tax return

SO HOW DOES THIS WORK WHEN I SEE MY DOCTOR? You see a physician or receive other professional services You present your Medica ID Card to the provider Provider bills Medica for the service Medica applies the in-network discounts and applies the allowed amount to your deductible Medica sends you an Explanation of Benefits Provider bills you for the service You receive the EOB and bill for services You confirm the “amount you owe” on the EOB matches the provider bill You pay your provider using your HSA Card, HSA Checks or personal funds

SO HOW DOES THIS WORK WHEN I USE A PHARMACY? You visit a pharmacy to pick-up a prescription drug You present your Medica ID Card to the pharmacist Pharmacist runs the prescription through Medica and applies the negotiated discounts to the price of your medication Medica applies the cost of the prescription to your deductible You pay for the prescription using your HSA Card, HSA Checks or personal funds

EXPLANATION OF BENEFITS

WHO CAN I CONTACT FOR HELP? Call if you have questions about: Medical Plan Coverage or Claim Deductible or Out-of-Pocket balances Finding a Doctor, Dentist or Specialist Health Plan Services

WHO CAN I CONTACT FOR HELP? WHO CAN I CONTACT FOR HELP? ASSOCIATED BANK OR WESTCONSIN CU Call if you have questions about: Contributions to your HSA Reimbursements from your HSA Requesting a HSA Bank Cards or checks

MANAGING HEALTH PLAN COSTS REQUIRES TEAMWORK Your claims create the premiums you pay Utilize tools available to be a good health care consumer Take advantage of wellness opportunities available (including the fitness club discounts!!)

MYMEDICA.COM Pharmacy Resources Price a Medication

MAIN STREET MEDICA Helps you compare: Costs for a variety of procedures and conditions Hospital quality ratings Prescription costs Chiropractic services Equipment & supplies

MAIN STREET MEDICA Cost estimates are based on Medica’s actual contracted rates

24 HOUR NURSE LINE Your nurse is one call away Immediate support for your health concerns Help in making decisions about your health Available 24/7 Call to access a registered nurse Chat live with a nurse online at mymedica.com Health & Wellness

EMPLOYEE ASSISTANCE PROGRAM (EAP) Jump over life’s hurdles. Start with one easy call to the Medica EAP – 24/7 Whatever your concern: Find a new day care for your child Manage credit card debt Research addiction support options Look for a family counselor Deal with grief Call Tailored support when you need it – free & easy Health & Wellness

HEALTH CLUB REIMBURSEMENT PROGRAM 240 Reasons to get fit with Fit Choices SM by Medica 12 Visits per month $20 Credit toward monthly dues 8K Health clubs to choose from (national and regional) Health & Wellness

HEALTH CLUB REIMBURSEMENT PROGRAM National facilities Regional facilities Health & Wellness

THANK YOU FOR TEAMING UP WITH JA COUNTER AND MEDICA!