1. 2019 – HDHP/HSA vs POS/FSA
April 29, 2019

2. Point of Service (POS) Plan Vs
Consumer Driven High Deductible Health Plan (HDHP)/HSA Plan
April 29, 2019

3. Consumer Driven (HDHP)/HSA Plan – Active Role in Decisions by Members
Higher deductible = Lower premium
Less premium but more initial claims cost, but only for care you NEED
Available Health Savings Account for tax savings on expenses, or retirement
All money in HSA is owned by the member, no “use it or lose it” rule
April 29, 2019

4. Consumer Driven (HDHP)/HSA Plan – Shifting Focus
Take more active role in healthcare buying decisions
Make healthier choices
Seek quality care
Resources available – myHealthcareCost Estimator
Annual Exam/Preventive Care – Covered 100% in network, no cost to you
Programs available – Healthy Pregnancy, 24-hour RN
April 29, 2019

5. POS/FSA Options
POS Plan offers office visit and Rx copays with no deductible
Preventive care covered at 100%
Premium deductions are higher
May have FSA but no HSA
April 29, 2019

6. 2019 HSA Info
If elected at Open Enrollment UCA automatically front loads $300 for Employee only and $600 for employees with dependents, with funds available January 1
UCA also matches monthly contributions up to $1,200/year
HSA max for 2019 is $3,500 Individual & $7,000 Family
Catch up of $1,000 over limit for ages 55+
No “use it or lose it” rule
Deductions are pre-tax
April 29, 2019

7. 2019 FSA Info
UCA front loads elected amount, with funds available January 1
FSA max for 2019 is $2,700
Annual Rollover amount is $500 of unused funds
Has “use it or lose it” rule
Available for qualified medical, dental and vision expenses
Deductions are Pre-Tax
April 29, 2019

8. April 29, 2019