An introduction and an overview of the Health Savings Plan and the Health Savings Account

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2 Today s presentation will cover the following topics An introduction and an overview of the Health Savings Plan and the Health Savings Account We will address how the HSP and the HSA work together We W will present some ways you can manage your health care expenses We will also compare the Health Savings Account (HSA) and the Flexible Spending Account (FSA) Some helpful tools and resources for you to help you navigate through the Health savings planandthe and savings account 2

3 Last year, the University made a decision to offer to its members a consumer driven health plan that is compatible with a health savings account. This medical plan is called the Health Savings Plan or HSP with a Health Savings Account or HSA. 3

4 Why does the University offer the Health Savings Plan? UC believes this style of health plan can be an excellent vehicle to encourage employees and retirees to: Take an active role in maintaining a healthy lifestyle View their health as a long term asset Build tax advantaged t dsavings for post retirement ti t healthcare needs The plan encourages more involvement in how your healthcare dollars are spent. Having more control will help you make better decisions for taking care of your health and managing your healthcare costs. 4

5 The Health Savings plan is administered by Blue Shield of California. It is also known as a High Deductible Health Plan with a minimum deductible amount set by the IRS each year. HSP is offered by the University to their Non Medicare employees and retirees. 5

6 Here are some things to know about your HSP plan administrator, Blue Shield of California. 6

7 Why do you need to be enrolled in a Health Savings Plan to have a Health Savings Account? The short answer is the Internal Revenue Service or the IRS requires this. This slide shows the federal requirements for a health savings plan in order to be compatible with a health savings account. One of the requirements shown is that in network preventive care is NOT subject to plan deductibles. To have a Health Savings Account you must be enrolled in a qualified high deductible health plan that complies with the IRS requirements. The Health Savings Plan offered by UC is a qualified lf dhigh hdd deductible health hplan and meets strict fd federal requirements in order to be compatible with HSAs. The IRS requires that the plan deductible is higher than in that of a traditional insurance plan. The IRS also requires that the plan has no upfront medical benefits other than preventive services from in network providers, but HSA eligible plans feature significantly lower premiums. For family coverage, the individual deductible is not applicable; the full family deductible must be met before any covered person can receive benefits for covered services. Members will have a choice to receive care from in or out of network of providers. Using in network network providers will cost less than using out of network providers. Out of network providers will cost more, and there is a higher plan deductible, higher coinsurances, and calendar year copayment maximum. In addition, out of network providers charge more than the allowable charges covered by Blue Shield and the member is financially responsible for these charges. Blue Shield does not offer tax advice or HSAs. HSAs are offered through financial institutions. For more information abouthsas,eligibility, and the law s current provisions, consumers should ask their financial or tax adviser.hsa plan features may vary by institution and may be subject to change by those institutions. 7

8 This chart shows examples of how covered services are paid under the Health Savings Plan when services are obtained from in network versus out of network providers. All covered medical services, prescriptions and behavioral services (administered by Optum Behavioral Health) are subject to the calendar year deductible, except preventive services when obtained from innetwork providers. For covered services from in network providers, the deductible is $1,300 for individual coverage and $2,600 for family coverage. For covered services from non network providers, the deductible is $2,500 for individual coverage and $5,000 for family coverage. Once the applicable deductible is met, the plan pays 80% of the allowed charges for covered services from in network providers and you pay 20%. For covered services from non network providers, the plan pays 60% of the allowed charges and you pay 40%. As mentioned in the previous slide, the member is also financially responsible for charges above the Blue Shield allowed amount. Your coinsurance and deductible amounts applies to the out of pocket maximum, which are $4,000 for individual coverage and $6,400 for family for in network providers; $8,000 for individual coverage and $16,000 for family for non network providers. This plan is a PPO plan which means that your benefits travel with you and your dependents outside of California and receive the same benefits when accessing care from BlueCard providers. Here are some reason why Health Savings Plan is different from other UC medical plans: HSP has lower monthly premiums UC contributes to your Health Savings account (FREE money) HSP is paired with a Health Savings Account that you own and control. To quality for the Health Savings Plan: You cannot be enrolled in Mdi Medicare You cannot be claimed as someone else s tax dependent. 8

9 Now, let us look at the Health Savings Account. Health Savings Account works in conjunction with a high deductible health insurance. Blue Shield does not offer tax advice or HSAs. HSAs are offered through financial institutions. For more information about HSAs, eligibility, and the law s current provisions, consumers should ask their financial or tax adviser. HSA plan features may vary by institution and may be subject to change by those institutions. 9

10 What is an HSA? An HSA is a tax advantaged savings account tied to the Health Savings Plan (HSP). Once your HSA is established, you can use the HSA funds to pay for current or future qualified medical expenses for yourself, your spouse and eligible tax dependents. After you enroll in the HSP, an HSA is automatically established for you and UC contributes tib t to your HSA. You also have the option to contribute tib t your own money to your HSA through pre tax payroll deductions if you are an active employee of UC or directly to HealthEquity if you are a retiree or a COBRA participant. The HSA is owned by you. All the funds in the account belong to you as soon as they are deposited. The HSA gives you greater choice and flexibility when managing your health care options. Let me cite a few reasons why. 10

11 You can use the HSA to Pay for Qualified Medical Expenses You can use the HSA to pay for qualified medical expenses for yourself, your spouse, and your dependents before the deductible is met, as well as for other health care expenses allowed under Section 213(d) of the Internal Revenue Code (IRC). You can use the HSA to Cover Work/Life Transitions You can use the HSA to bridge events, such as unemployment, job changes, and periods of disability, by paying for health insurance premiums or health care directly. Your HSA can be used to pay COBRA premiums, or premiums for long term care. You can use the HSA to Cover Gaps in Care You can use tax free HSA dollars for co payments and deductibles, as well as for services that are not offered by your health plan. You may also pay for services from an out of network physician with your HSA. You can use the HSA to Pay for Post Retirement Health Care Expenses HSAs help you save for retirement health expenses tax free. You can use your HSA to pay for Medicare premiums and out of pocket expenses, including deductibles, co pays, and coinsurance (but not Medigap), including: Part A (hospital and inpatient services), Part B (physician and outpatient services) Part C (Medicare HMO and PPO plans) Part D (prescription drugs) You can use the HSA to Manage the Variability of Expenses The HSA also allows you to deal with the variability of health care expenses. For example, one year you may have just a few medical appointments, whereas the next year you may meet the deductible mid year and still have more appointments. Because the HSA allows you to reimburse yourself at any time, you can choose to save your money for times when you have more expenses. With combined HSA funds from the previous year, in addition to the funds added during the current year, you may be able to meet all of your costs tax free. You can use the HSA to Benefit from a Healthy Lifestyle Beginning in 2011, all new HSA qualified health plans are required to cover 100% of standard preventive care services, and have a fixed limit on your out of pocket costs. If you take advantage of preventive care services and adopt healthy lifestyle habits, your HSA can grow tax free from year to year and become a significant addition to your retirement nest egg. You can use the HSA to Help Manage Costs With an HSA qualified health plan, you have significant power and responsibility over your health care decisions. Policymakers hope that by having such a financial incentive, participants become influential health care consumers who demand and receive better value with their health care spending. 11

12 Health Savings Accounts are an easy way to win in today s complex health care system. Let me tell you a few reasons why: First HSAs empower health savings As an HSA user, you save in several ways: You will pay lower monthly health insurance premiums Your HSA contributions are not taxed on the federal level You earn federal tax free* interest on HSA balances HSA funds used for qualified medical expenses are not taxed* Second Saving for the future: HSA funds roll over from year to year With an HSA, you own the account and all contributions. Your entire HSA balance rolls over and remains available for qualified expenses even if you change health plans, retire or leave the company. Once you reach a determined account balance, you can invest a portion of your HSA funds for increased earning potential. Third You don t have to change doctors Your HSA qualified health plan typically gives you access to the same in network doctors as a traditional plan offered by the same carrier. If your desired physician is not in network, you can still use tax free HSA dollars to pay for qualified expenses. Some medical benefits may not travel with you when you travel abroad but your Health Savings Account does; you can use available funds in your health savings account to pay for eligible health care costs anywhere around the world. Lastly Keep your lifestyle An HSA can empower you to maximize savings while building a reserve for the future. Contrary to what many may think, healthy individuals aren t the only users who benefit from an HSA. Regardless of how you consume health care, an HSA plan will empower you to maximize savings while building a reserve for future medical expenses. 12

13 What should you do to have a Health Savings Account? Here is how. The University of California works with Blue Shield of California and HealthEquity to make the process of an HSA easy for you and are available to assist you every step along the way. To get started, simply follow the steps shown in this slide: Step 1 You must enroll in the Health Savings Plan offered by UC and a Health Savings Account with HealthEquity is automatically set up for you. Blue Shield of California administers your medical plan benefits and HealthEquity is the custodian for your Health Savings Account. Step 2 Elect to make contributions to your HSA. Once your Health Savings Account is established with HealthEquity, UC deposits free money to your account up to $500 for a single HSP coverage or up to $1,000 for those who are covering at least one other person in their Health Savings Plan. In addition to this, the IRS also allows you to contribute to your HSA up to the maximum contribution shown above. Note that these amounts include contributions from all sources. Step 3 Now you can start saving and managing your health care. Visit the doctor and/or the pharmacist and use your HSA funds to pay for your qualified medical expenses or you can let your HSA funds grow and save for the future. HealthEquity, Inc. is an independent and separate company from Blue Shield of California. HealthEquity does not provide Blue Shield of California products or services and is solely responsible for any products andservices thatit offers. 13

14 HealthEquity is the custodian of HSAs for UC members. This slide shows important information about HealthEquity. HealthEquity, Inc. is an independent and separate company from Blue Shield of California. HealthEquity does not provide Blue Shield of California products or services and is solely responsible for any products and services that it offers. 14

15 Build your Savings by Investing. You can invest a portion of your HSA once the available balance is over $2,000. Once your funds are invested, they become unavailable for reimbursing your medical expenses but you are allowed to liquidate the investment and deposit the proceeds back to your HSA at any time. For more information about investment options, visit HealthEquity s microsite it for UC employees or call lltheir member services for assistance. 15

16 We will now take a short break to answer some general questions. 16

17 Now we will address how the Health Savings Plan and the Health Savings Account work together. 17

18 First, let me show you the two components of the plan that allow you manage your health care expenses. First, you must be enrolled in a qualified high deductible health plan such as the Health Savings Plan, administered by Blue Shield of California. After you enroll in the Health Savings Plan, you are now eligible to establish a Health Savings Account. At UC, this is done automatically ti for you. Your enrollment tin the HSP will automatically open a HealthEquity HSA for you and once your HSA is established, UC deposits up to $500 or $1,000 to your account depending on the coverage level you choose. These two work together to pay for the health care expenses you incur for yourself and your family. 18

19 The University works with Blue Shield of California and HealthEquity to offer a truly integrated HSA platform to engage, educate, and empower members. Welcome Kit As soon as the Health Savings Account is established for you, HealthEquity will send a Welcome Kit. The envelope and the collateral that you see on this slide is how this Welcome Packet looks like. A sample of thiswelcome packet is posted at the HealthEquity s microsite for UC. Debit Card Along with the Welcome brochure is a HEQ Visa Health Account Card. HSA holders are automatically issued up to 3 debit cards for their HSA account. The names on these debit card should be the names of each of the members covered by the HSP. There are no credit features on the credit card or any line of credit. The first 3 cards issued by HEQ are free. Additional cards are available for $5 each. Card activation instructions are included with the card(s). If a member likes, the member can speak to the HealthEquity member services team to activate the card and to receive additional information. HealthEquity and the Shield Concierges are available to assist members about what the plan covers, how the HSA works, and many others. 19

20 Now, let us go over how the HSP and HSA work together. As mentioned on the previous slide, after you enroll, you will receive a welcome packet and HSA debit cards from HealthEquity. Here s an example of a typical office visit to illustrate how the HSP and HSA work together. When you go to your doctor, simply present your medical ID card. With the Health Savings Plan, no co pay is required at the time of service. If the health care provider requires a deposit, it will be applied to the invoice. The HSP has a network of providers you can choose from, however, you can use the HSA funds to pay any qualified medical expense even if it is not covered by the Health Savings Plan. This provides significant tax savings on out of network services because the money used is tax advantaged on the federal level. If you use an innetwork provider, the provider submits claim to Blue Shield for services rendered. Next an Explanation of Benefits (EOB) is sent to you outlining the billed charges, negotiated or allowed charges, the member s liability for the claim as well as summarizing the member s year to date deductible and out of pocket maximum. For UC Blue Shield HSP members, Blue Shield and or Optum may send a copy of the claim to HealthEquity which will appear in the member portal. The provider sends the member an invoice or statement reflecting the member s portion or liability for the bill. As a HSP member, you should make sure ytheeob matches your provider s invoice. After which, you can choose how you want to pay you can pay with the HSA debit card or set up an online payment that is sent directly to the provider or as a reimbursement to yourself. Make sure you keep your receipts and EOBs for the IRS. There will alsobe statements about this in the HEQ microsite and in other materials. 20

21 Next, let us look at how the HSA works for you at the Pharmacy. First, you obtain a legal prescription from your doctor for needed medication and present this along with the insurance ID card to a Blue Shield participating pharmacy. Second, the pharmacy will send an electronic claim to your insurance enabling Blue Shield to automatically apply your expenses to your deductible and/or out of pocket maximum. The pharmacy will collect the amount you owe when you pick up your prescription. Ui Using the HSA dbit debit card is a convenient method of payment. Always keep your receipts and other documentation for the IRS. The Member Portal actually allows HSA members to upload receipts online and HEQ can assist HSP members with this procedure. The IRS does not allow HSA funds to be used for OTC medicines without a prescription. Ask if your doctor can write a prescription for OTC medicines or supplies that are frequently utilized. Then you can use the HSA funds to pay for these items. Let us take a look at a couple of examples on how medical expenses are paid for under the HSP with an HSA. Both of these examples assumes services are obtained from innetwork providers. 21

22 Meet Gavin, a 30 year old single person, who decided to enroll in the Health Savings Plan. With the Health Saving Plan, Gavin has an annual in network deductible amount for 2015 of $1,300 that applies towards the out of pocket maximum of $4,000. He can use his HSA funds to help pay his deductible and qualified out of pocket medical expenses (even those medical services not covered by the plan). Gavin gets an annual preventive physical from his in network doc. As previously mentioned, preventive care from in network providers are covered at no additional cost to you. Therefore, Gavin pays $0. Gavin fills his allergy meds from an in network pharmacy and pays the negotiated rate ($100). Two weeks later, he falls skiing. His medical bill is $3,400. Since he s already paid $100 on his allergy meds which counts towards his deductible, his deductible is now $1,200. Gavin pays the $1,200 from his HSA to satisfy the remaining deductible leaving a claim balance of $2,200 (obtained from deducting $1,200 from the bill of $3,400). Gavin s deductible has been met and he moves into the traditional PPO coinsurance of the plan. He pays 20% of $2,200, which is $440. This $1,200 and $440 apply to his annual OOP maximum, thus satisfying $1,640 of his $4,000 OOP. With his deductible met, Gavin just pays py 20% of the negotiated rate for his allergy meds the rest of the year. He does not reach his OOP maximum and leaves money in his HSA to earn interest. 22

23 Let us take a look at another illustration. This time, meet Maria, a 42 year old wife with family coverage under the Health Savings Plan. She is covering her spouse and her child. Maria fills her asthma meds from a Blue Shield participating pharmacy and pays the negotiated rate of $100, reducing the family deductible to $2,500 and OOP to $6,300. For her family s in network annual preventive physicals, Maria pays $0. Maria s husband Paul sees a specialist and is diagnosed with an arterial blockage requiring surgery. He was admitted and stayed in the hospital for two days; his bill is $30,000, including post op meds. How will the $30,000 bill be paid? Maria pays the remaining deductible which is $2,500, leaving a balance of $27,500. Withthe the deductible met, they move into the coinsurance phase, plan pays 80% and Maria pays 20% of the balance, which is $5,500 BUT Maria only pays $3,800 of the $5,500 because her OOP max would not exceed the remaining OOP max of $6,

24 As you can see now, the Health Savings Plan with the Health Savings Account allows the member to be in the driver seat in managing their health care expenses. Maximizing contributions to your HSA is key to maximizing the benefits of the HSA. It is equally important to know other ways you can manage your health, health care expenses and use the resources available to you. 24

25 This slide shows a number of benefits and services offered by Blue Shield of California and the University that could help you manage your health care costs. 25

26 We have been talking a lot about the Health Savings Account (HSA) that can help pay medical bills and add retirement and estate planning benefits. Opening a Health Savings Account is one of the most important things you can do for yourself in the here and now. The benefits to you are both immediate and long term. Do not, however, confuse HSA with a similar sounding health care FSA Flexible Spending Account. Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) are both great ways to reduce your income taxes by paying for medically related ltd expenses with pre tax money that is, money deducted from your paycheck before income taxes are calculated on your pay. Both types of accounts work similarly, in that you can deposit pre tax money into the account, and use the account to pay for various tax deductible medical expenses as they occur. But these two types of accounts operate quite differently. In these next slides, we are going to compare the HSA and the general purpose health Flexible Spending Account (FSA) offered by the University While there are benefits to both types of savings accounts, there are also important differences to keep in mind. 26

27 The Health Savings Account and the Health Flexible Spending Account becomes available to you based on what kind of health plan you sign up for, but both let you contribute and save pretax dollars for future medical costs The Health Savings Account can only work with a qualified high deductible health plan such as the Health Savings Plan offered by the University and administered by Blue Shield of CA. If you are not enrolled in the Health Savings Plan or an HSA compatible plan, then you cannot have a HSA but you can have a Flexible Spending Account. If you are currently on Medicare, you cannot open or continue to contribute towards a Health Savings Account. As an incentive to HSP members, UC also gives free money and deposits this into their Health Savings Accounts. UC gives up to $500 for members with single coverage and up to $1,000 for members who enroll at least one family member under the Health Savings Plan. If you choose the HSP during Open Enrollment, you will receive the full UC contribution in January next year. You own the money in your HSA account. The HSA belongs bl to you! You always get to keep your dollars and use them until they are gone. Unlike the Flexible Spending Account, your HSA belongs to you and cannot be taken for any other reason by anyone without your consent. Unused funds from the Flexible Spending Account on the other hand will be taken, unless the FSA has some roll over provision. We will take a look at this provision in the next slide. You can typically continue to make contributions to and/or distributions from your HSA even after you terminate your employment with UC which you cannot do for the FSA. 27

28 Who can contribute? Anyone can contribute to your Health Savings Account but only you can contribute to the FSA. If you are in the Health lhsavings Plan, certainly you should contribute to your HSA. Put something in it. You cannot mess it up. Contributions to the HSA or to the FSA are not subject to federal income tax. You can contribute more pre tax money towards the Health Savings Account than to the Flexible Spending Account. If you are 55 years old with family coverage under the HSP, you can contribute up to $7,550. These limits apply to the combined contribution from all sources. Furthermore, if you enrolled your domestic partner in your Health Savings Plan, your DP can also establish his own HSA and can contribute up to the maximum family contribution limit. This is also true for any child who cover under the HSP who is not your tax dependent. Under the FSA, the most you can contribute is $2,550 or $5,100 if you have a spouse with an FSA. Unlike the FSA, the Health Savings accounts do not have to be used in the same year as the contributions. It rolls over each year automatically and stays with you for whenever you need it in the future. Even upon your demise, the money is yours and will be distributed to your beneficiary. You cannot do this with a Flexible Spending Account. Since the HSA rolls over year after year and there are no limits to how much you can accumulate in the account, the HSA account is a good tool for retirement. After age 65, you can withdraw funds from your HSA account penalty free for any purpose. You will just have to pay income tax on the withdrawal if it is not used to pay for health care, but the tax rate is likely to be lower in your retirement years when your income is lower. And of course, you can continue to withdraw the money from your HSA account tax free to pay for medically necessary expenses. That s right! You do not have to use the money for healthcare expenses after you reach 65. You can use it to fund that dream vacation that you never had time for while you were working. Funding it to the maximum allowed is why the Health Savings Account has been described as a medical IRA. The funds in your HSA earns interest but the funds in your FSA does not. The interest earned on the money in the HSA is tax free on the federal level. Unlike your other banking accounts that generate interest income, the HSA will never send you a 1099 INT to declare the interest earned on your account. The interest stays in your account until you are ready to use it to pay for your health care expenses. 28

29 If you have a Flexible Spending Account, you can only change your election amount if you experience certain qualifying i events such as marriage, divorce, birth of a child, etc. With the Health Savings Account, you can change your contributions as often as monthly. That means that as a HSP member, you do not need to estimate what your anticipated expenses will be for the year because you can deposit more to cover additional expenses throughout the year. You cannot do this under the FSA unless you get married or adding another dependent. As far as the FSA is concerned, an employer can choose to offer no rollover, a limited $500 rollover to be used at any time in the following year, or a grace period until March 15 of the following year to use all unused funds. Note that this is a decision the UC takes up front. Employees do not have the option to choose one or the other at the end of the year. So it is advisable to understand UC s plan before choosing FSA contribution amounts during open enrollment. Even if you lose your health insurance, the HSA stays with you. It cannot be taken away if you change employers or if you later change medical plan or enroll in Medicare. On the other hand, all money in the 2014 FSA with CONEXIS expires and is lost if you do not use all of it by the end of the grace period. Disbursement of Funds. The entire annual contribution amount under the FSA is available from the beginning of the year, even if the account is not fully funded yet. So if you have elected $1,000 during Open Enrollment, this entire amount will be available to you on January 1 st. But you cannot change your contribution amount during the year if you have more expenses that what you have estimated previously. For the HSA, you can deposit funds as you go so you never have to worry aboutunderestimating underestimating your expenses because you can depositmore and there is no need to worry about over contributing as well because the funds are yours to keep if you do not use it. 29

30 Access The FSA is structured t so that t the entire annual contribution ti amount can be accessed at any time (e.g., in January), even if it has not all been paid in yet. However, any money in an FSA that has not been spent by the end of the year is lost and returned to UC. If, however, you leave the company and have spent more than has been paid in so far that year, you do not have to pay it back. In HSAs, you can only access money that has already been deposited, but unused funds stay in the account indefinitely. Eligible Medical Expenses There is considerable overlap in the eligible expenses for FSA and HSA accounts. These include: Expenses eligible under the medical or prescription drug plan, such as deductibles or coinsurance Medical supplies such as braces or first aid supplies Vision and dental expenses for you or your tax qualified dependents Preventive care such as annual physicals, immunizations, well baby programs, mammograms, Pap tests and other cancer screenings, as well as non medical expenses such as dental, orthodontics and vision. COBRA & Medicare premiums and long term care premiums are qualified expenses for an HSA but not eligible expenses for an FSA. Another advantage for HSAs is that you can use the HSA to payfor qualifiedhealth expenses for tax qualified qualifiedspouseor or dependents, even if they are not covered under your high deductible health plan. 30

31 With the Health Savings Account, the proof of payment is not required when claims are submitted dfor payment. However, the member should ldbe prepared to substantiate tit to the IRS in case of an audit; he should be able to prove that the expense has been incurred, the amount of the expense, and its eligibility. If using Blue Shield s in network providers, the EOBs are automatically sent to the HSA with HealthEquity and all other documentation can be uploaded to HEQ s online portal for easy access and security. When should members submit claims? For the HSA member, there is no deadline to submit claims. They can be submitted at any time or until there are funds available on the account. FSA claims have deadlines. For example, any FSA expenses incurred this year until the grace period ends on March 15 next year has to be submitted by April 15, 2015 for reimbursement. Last but not certainly the least, ALWAYS KEEP GOOD RECORDS Both plans will often come with a debit card loaded with your funds to use for payment. A health savingsaccount account will only let you use what is actually in your account at that pointin time though, while a flexible spending account will let you spend up to your designated amount for the year even if the money has not been deducted from your paycheck yet. Either way, keep track of what you are using the funds on. With both plans you have to be very, very careful about maintaining receipts and records. With an FSA in particular, even if your account comes with a debit card, you'll often still have to substantiate expenses by submitting receipts. Otherwise your provider will turn off the card. With the HSA, there is no substantiation required at the time of claim submission but make sure you are saving your EOBs, receipts and other documentations in case of an IRS audit. 31

32 Now we will go over some helpful tools and resources to help you navigate and find information about the Health Savings Plan and Health Savings Account. 32

33 BSC/UC Micro site: Blue Shield of California developed a UC microsite where you can: Get information about medical and pharmacy benefits. Search for network doctors, hospitals and other facilities. Access tools and resources. Learn about Blue Shield programs and services. HealthEquity/UC Micro site: HealthEquity also has a UC microsite that: Provides robust information that you watch, listen and learn. Videos Watch short comprehensive videos about your HSA, investments and how to use your HSA to pay providers. Documents Find documents for you to manage your Beneficiary assignment, transfer forms and learn about your HAS. Tools from Mobile App such as HSA Contribution Calculator, Future Balance Calculator and important Forms, Beneficiaries can also be documented on your HSA portal or by calling HealthEquity. Contact You can also contact HealthEquity ANY HOUR ANY DAY for any questions on your HSA, help with paying your claims and investing. 33

34 Last but not least, is Blue Shield s dedicated Customer Service team to UC members. Shield Concierge offers personalized support to answer your questions about: Medical benefits Pharmacy benefits Network providers Case management Disease management and more! 34

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