Healthy Employees... Healthy Business 1 Tips and Techniques for getting the most from your BlueAccount HSA Presented to: Evangelical Presbyterian Church 2012

Healthy Employees... Healthy Business 2 Today’s Objectives Online management of your Benefits Plan and Health Savings Account –How to: Open your HSA with BNY Mellon Manage your medical claims online Manage your HSA Manage your HSA investments

Healthy Employees... Healthy Business 3 BlueAccount HSA Accessing the Highmark website & Opening Your HSA

Healthy Employees... Healthy Business 4 Access Click “Members” tab to proceed to the Log-In / Registration page

Healthy Employees... Healthy Business 5 Log-In & Registration Page Enter User ID & Password in the Log In box, or For new registrants click “Register Now” New Registrants will receive a PIN to allow complete site access Getting started is easy!

Healthy Employees... Healthy Business 6 Registration Page Have your Highmark ID Card available and complete this simple page to Register on the site

Healthy Employees... Healthy Business 7 How to open an HSA As soon as Registration is complete, The member may click on the “Your Spending” tab Remember, you must be enrolled in the HDHP and have opened your HSA before expenses may be reimbursed on a tax-advantaged basis.

Healthy Employees... Healthy Business 8 From this page you may: Access your “Bank” account Justify HSA transactions Link to a variety of Spending Account resources Scroll down to the “Open a Health Savings Account” Your Spending

Healthy Employees... Healthy Business 9 BNY Mellon Application The Online Application will appear. The Introduction contains general information and disclosure of the monthly fees. To continue, the member clicks upon the “Apply Online Now” link. Here they will specify contribution and reimbursement preferences and indicate beneficiaries.

Healthy Employees... Healthy Business 10 BlueAccount HSA Withdrawal Options I will submit withdrawals via the web or mail only Manual Submission I would like to establish a Debit Card for my HSA Manual Submission with Debit Card I would like my health plan and it subsidiaries and affiliates to auto- submit any member responsibility and pay me, the participant Automatic Submission with Payment to Member I would like my health plan and it subsidiaries and affiliates to auto- submit any member responsibility and make payments to the medical service provider Automatic Submission with Payment to Provider Customization of withdrawal and reimbursement options allows the member to determine how their account will respond to health care liabilities

Healthy Employees... Healthy Business 11 BlueAccount HSA Managing Claims Online

Healthy Employees... Healthy Business 12 From the “Your Spending” tab, you will gain access to your claims history and your spending account From the “Your Spending” page, click “View Your Claims”

Healthy Employees... Healthy Business 13 From this page you may: Access your “Bank” account Justify HSA transactions Link to a variety of Spending Account resources Scroll down to the “Open a Health Savings Account” Your Spending

Healthy Employees... Healthy Business Claim Activity 14 And, from this page you may: View medical and pharmacy claims Download EOB’s & EOP’s Request reimbursement

Healthy Employees... Healthy Business 15 BlueAccount HSA Managing Your HSA

Healthy Employees... Healthy Business 16 Manage Your BlueAccount HSA From the Account Overview page you may check your account balance, and the rate of interest available through the FDIC portion of the account. On the left are links to many account resources.

Healthy Employees... Healthy Business 17 HSA Account Overview Scrolling down on this page shows the available mutual fund options and the value of each. A fund prospectus and information sheet may be downloaded.

Healthy Employees... Healthy Business 18 Disbursement Methods When you established your HSA, you elected preferences that direct withdrawal options. This page will show you the preferences you selected.

Healthy Employees... Healthy Business 19 Redeem Function Use the Redeem function to request reimbursement for non-plan expenses such as out-of- pocket vision and/or dental expenses. Remember to keep a copy of the bill and the Explanation of Payment with your tax records.

Healthy Employees... Healthy Business 20 Questions ?