1. University of Cincinnati Tips to maximize your HSA savings
Nothing in this communication is intended as legal, tax, financial, medical or marital advice. Always consult a professional when making life changing decisions. It is the members' responsibility to ensure eligibility requirements as well as if they are eligible for the plan and expenses submitted.
No soliciting. No recording. No photography. No part of this presentation may be copied, recorded, or rebroadcast in any form.

2. Maximize your HSA opportunity
The HSA win:
Save now
- Spend smart
- Review your benefits
- Maximize your HSA contributions
Save for the future
- Cover the Medicare gap
- Investment opportunity
- Save now cash in later
It is the member’s responsibility to ensure eligibility requirements as well as if they are eligible for the plan and expenses submitted. One should consult a tax advisor as individual factors and situations vary. Investments available to HSA holders are subject to risk, including the possible loss of principal invested and are not FDIC insured.

3. Spend smart Things to remember:
Costs for a specific procedure or medical test can vary by provider or facility, even under the same health plan.
Things to remember:
Transparency tools
Major procedures
Procedure codes for price quotes
Stay in network
Some health plans provide transparency tools that you can use to compare costs among providers.
Especially when you are considering a major procedure, be sure to weigh your options and ask for prices.
Your health plan can usually provide a price if you have the procedure code from your doctor.

4. Spend smart: generic drugs
Generic drugs cost 30-80% less than their brand equivalent.
Brand Name Drug
Brand Cost
Generic Alternative Cost
Zofran* 4mg (30)
$678
$33
Lipitor* 10mg (30)
$199
$10
Adderall Xr* 20mg (30)
$156
$40
Boniva* 150mg (1 Tab, 30)
$175
$60
Speaker Notes:
Check with your health plan for additional pharmacy cost comparison tools and providers in your network
Visit lowestmed.com to compare prices between brand & generic as well as between your local pharmacies.
*Brand name. Source LowestMed.com
HealthEquity and LowestMed are separate, unaffiliated companies that are not responsible for each others services or policies.

5. Spend smart: care facilities
A visit to the ER can cost you 300% - 700% more than a visit to an urgent care facility for the same issue.
Reason for Visit
ER Visit
Urgent Care Visit
Flu symptoms
$395
$50
Sore throat
$440
$100
Laceration repair
$700
$150
Sprain
$385
$65
Abdominal pain
$1,110
$35
Headache
$785
Urgent Care: minor lacerations, fractures, bumps, sprains, sore throats, ear infections, and other "just don’t feel good" conditions.
Emergency Room: potentially life threatening conditions like stroke or chest pain.

6. Review your benefits Tips:
Billing errors can cost you money, regardless of who made the mistake.
Tips:
Compare provider statements to your explanation of benefits (EOB) from your health plan.
Immediately contact your health plan to address any discrepancies.

7. Maximize your savings Maximize your HSA contributions in 2017:
Single-coverage: $3,400 (2016: $3,350) Save up to $1005 in Taxes!*
Family-coverage: $6,750 (2016: $6,750) Save up to $2025 in Taxes!*
Catch-up contribution, age 55+: $1,000
Speaker notes:
- At the very least, members should make deposits into their HSA that match their medical expenses incurred so they can benefit from tax savings.
*Based on 30% tax rate. Actual results may vary.

8. Transfer your old HSA to HealthEquity
Combine accounts, avoid fees from previous admin
Earn double interest if you transfer an old account*
Moving your HSA is simple:
Download the HealthEquity transfer form** at:
Complete the form entirely.
Send the completed form to HealthEquity via mail, fax or .
*Up to $25 in total interest when you move over $250 or more. Visit healthequity.com/doubleit for full details.
**Most administrators will accept the HealthEquity form. Please contact your current administrator to confirm.

9. Health care costs in retirement
The average couple retiring this year will incur $245,000* to cover medical expenses during retirement
This is $350,000 gross withdrawal from traditional 401(k) plan to achieve net $245,000 medical expense in retirement**
-or-
Only $245,000 tax free withdrawal from HSA
* Fidelity Benefits Consulting
** Assumes 33% tax rate

10. Cover the Medicare gap Consider:
Social Security payments alone will not cover health expenses in retirement.
Average out-of-pocket medical expenses on Medicare:
65–74 spend $2,920/yr*
75–84 spend $3,815/yr*
85 and above spend $4,615/yr*
*Source: Fidelity, 2013

11. Cover the Medicare gap
Medical expenses not covered by Medicare, can always be paid from your HSA.
Your HSA can always pay for:
Dental
Eyewear
Hearing aids
You don’t pay tax on funds used for these expenses, even after age 65.

12. Invest your HSA
HealthEquity Advisors, LLCTM offers investment options.
Access the easy-to-use investment platform within your HealthEquity member portal.
Use your banked benefits and other savings to grow your money even faster.
Investments available to HSA holders are subject to risk, including the possible loss of the principal invested and are not FDIC insured or guaranteed by HealthEquity. HealthEquity does not provide financial advice. HealthEquity Advisors, LLC™, a subsidiary of HealthEquity and an SEC registered investment adviser, does provide web-based investment advice to HSA holders that subscribe to its services (minimum thresholds and additional fees apply). HealthEquity Advisors, LLC also selects the mutual funds offered to HSA holders through the HealthEquity platform. HSA holders making investments should review the applicable fund’s prospectus. Investment options and thresholds may vary and are subject to change. Consult your advisor or the IRS with any questions regarding investments or on filing your tax return.

13. Powerful resources Full service Auto implementation $.80 per $1000
Member implements advice
$.50 per $1,000
Member manages
No advice
Free

14. HSAs win vs. IRA or 401k
By contributing the maximum amount to your HSA, you take advantage of effective tax savings
IRA/401k savings (Roth or traditional) are taxed at some point.
HSAs are not taxed at any point in the savings or spending process if they are used for qualified medical expenses.
After 65 no penalty for non medical (Subject to tax if non-qualified medical expense)
HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules. HealthEquity does not provide financial or tax advice.

15. Save now cash in later Watch your HSA balance grow
By delaying reimbursement for qualified medical expenses that you pay out-of-pocket, you can save toward a future financial goal or a dream _______________.
Because there is no time limit with an HSA to reimburse yourself for qualified medical expenses that you pay out-of-pocket, you can accumulate the reimbursable amount until you reach a determined goal while building tax-free earnings.
(fill in the blank)

16. New mobile app Convenient, powerful tools:
On-the-go access for all account types
Take a photo of documentation with phone and link to claims and payments
Send payments and reimbursements from HSA
Manage debit card transactions
View claims status
Available for iOS and Android

17. Account Mentors 877.713.7712 www.HealthEquity.com/ed/AnthemBCBS-HSA
Always available Our member services agents are taking calls 24 hours a day, every day of the year
Call today Let us conduct a personal assessment of your plan options 17