Health Savings Accounts: A Review of Three Distinct HSA Go-to-Market Strategies
|
|
|
- Jonah Anderson
- 8 years ago
- Views:
Transcription
1 Health Savings Accounts: A Review of Three Distinct HSA Go-to-Market Strategies Sherry K. Lawton, Senior Healthcare Strategic Sales Executive FIS Government, Education and Healthcare Division
2 The Crazy Lady in Front of You! Sherry K. Lawton Sr. Healthcare Strategic Sales Executive FIS Government, Education and Healthcare Division Worked with HSAs since their inception in 2004 Consult with financial institutions to understand and implement successful HSA programs and solutions ABA s HSA Council Prior life worked with financial institutions to understand and implement online banking and bill payment solutions, including social media marketing 2
3 Our HSA Discussion Why do HSAs sizzle? Show me the money Healthcare Bill Market statistics Ten best practices 1. Do your homework 2. Understand the basic HSA product 3. Establish realistic goals 4. Turnkey marketing and education 5. Flexible enrollment options 6. Online account management 7. Integrated investment options 8. Entry into CDH market 9. Health and wealth 10. Customer empowerment Next steps 3
4 The Sizzle of Health Savings Accounts
5 Why HSAs? Single biggest opportunity since the 401k Introduced in 1978 Over 30 years ago! Deposits, Deposits, Deposits Fee income and interchange revenue New commercial and small business customers Expand/strengthen current customer relationships Cross selling opportunities Average of four services per HSA account holder New Healthcare financial planners / advisers Healthcare Reconciliation Bill
6 Healthcare Reconciliation Bill Impacts You in the audience As an employer As an employee As a financial institution Your customers Large commercial clients Mid to small clients Individuals Consumer driven health care Health Savings Account market 6
7 HSA Market Estimates for 2012 $325 Billion in Assets 30,000,000 Accounts Source: Bearing Point, February 29, 2008
8 CDHP / HSA Adoption NOTE: CDH includes: HSA, HRA, FSA CDHP includes: HSA, HRA Sources: Leading Research Firm, US Census Bureau, Kaiser Family Foundation, Aetna, ehealthinsurance, Employers Council on Flexible Compensation, Mercer, CFO.com, Benefitnews.com, 100 Best MerchantAccounts.com, Federal Reserve, ISI, Forrester, US government reports/agencies BearingPoint SME, others
9 10 Best Practices for HSA Program Success It s All About the Customer
10 1. Do Your Homework Who is your target market? Commercial clients Retail / Branch / Online customers Trust / Wealth managers, Investment brokers and agents Health plans, TPAs, Insurance and Benefit agents / brokers Payroll providers, Others What division will own the HSA product? Treasury Wealth Management Work/Small Business Retail Trust Healthcare Division Insurance Division
11 2. Understand the Basic HSA Product DDA on Steroids Acts like a checking account Debit Card Checks Recommend No ATM Tiered interest rates similar to a Money Market account Tax reporting like an IRA Regulatory reporting 5498SA and 1099SA Separate BIN Merchant code restrictions VISA and MasterCard requirements HSA Portfolio of Accounts 11
12 3. Establish Realistic Objectives CRAWL WALK RUN SPRINT Establish Promote Enhance Surpass Establish an HSA program Begin promoting your HSA program in the marketplace Add advanced HSA capabilities such as integrated investments Full suite of consumer driven healthcare solutions (FSA, HRA, dependant care and transit accounts) PROGRAM MEASUREMENT
13 4. Turnkey Marketing and Education Health Savings Accounts 101 Web sites / Portals Glossary of terms Training tools Brochures Empowering employers and brokers PowerPoint presentations Collateral Program overviews Help wizards Employee / Consumer Enrollment Decision Support Flash movies Tutorials Calculators Frequently asked questions FIS Wealthcare Portal
14 5. Flexible Enrollment Options Automated Account Opening (AAC) Accepts employee data from online application and / or eligibility file Manages data scrubbing CIP / OFAC screening CIP exception management Opens DDA and Investment Accounts Sends file to preferred print vendor for Welcome Kits Sends file to create and mail Debit card Bulk/Batch Enrollment Online Enrollment Paper Enrollment 14
15 6. Online Account Management Integrated HSA depository and trust account processing Web- based and brandable Single online access to all HSA accounts DDA, MM, COD and Investments Account balances Transaction history Contribution history Integrated, self-directed investments Thresholds and automated sweeps Bill payment Consolidated statements Regulatory reporting FIS Personal Cash Manager
16 7. Integrated Investment Options Integrated HSA DDA and Investment Solution Should have: Consolidated statements (much like a 401k) Single Participant Login Self-directed Sweeps and Thresholds Asset allocation to support the 401K-like model
17 8. Entry into CDH Market (Sprint)
18 9. Health and Wealth Wealth Smart and Informed saving and spending Health Proactively manage their health Personal health records Patient-owned, patient-managed medical records Track medical details for family members and dependents Comprehensive record of conditions, medications, allergies, diagnostic statistics, etc. Messaging, reminders and alerts Links to clinical information Health risk assessment Wellness WealthCare Mobile FIS HealthManager
19 Integrated CDH Vision 19
20 10. Customer Empowerment is Key HSA Program Success: It s all about the customer. Education, Education, Education Easy Management of their healthcare $$ Management of their wellness, health and medical
21 Review the HSA Sizzle
22 Our HSA Discussion Why do HSAs sizzle? Show me the money Healthcare Bill Market statistics Ten best practices 1. Do your homework 2. Understand the basic HSA product 3. Establish realistic goals 4. Turnkey marketing and education 5. Flexible enrollment options 6. Online account management 7. Integrated investment options 8. Entry into CDH market 9. Health and wealth 10. Customer empowerment Next steps 22
23 Want the Sizzle Next steps Get moving Review the 10 steps discussed today Focus on Steps 1, 2 and 3 Talk to your customers Evaluate your technology Contact your Strategic Account Manager Contact me 23
24 Thank You Sherry K. Lawton, Sr. Healthcare Strategic Sales Executive FIS Government, Education and Healthcare Solutions
Health Savings Account (HSA)
Tax-Advantaged Accounts Health Savings Account (HSA) September 8, 2015 State of Tennessee Local Education & Local Government Today s presentation will cover: Health Savings Account (HSA) Eligibility and
Health Savings Account (HSA)
Tax-Advantaged Accounts Health Savings Account (HSA) September 16, 2015 State of Tennessee, Higher Ed s University of TN and The Board of Regents Today s presentation will cover: Health Savings Account
Understanding Health Savings Accounts (HSAs) HSA Bank is a division of Webster Bank, N.A., Member FDIC.
Understanding Health Savings Accounts (HSAs) HSA Education What is an HSA? A tax-advantaged savings account that you use to pay for qualified medical expenses not covered by the HDHP, including deductibles,
Board of Regents. Adrienne McGeehan U.S. Bank. October 2013
Board of Regents Adrienne McGeehan U.S. Bank October 2013 Did You Know? HSAs have been around since 2004. Growth of HSA-Qualified HDHP Enrollment Covered Lives (Millions), March 2005 to January 2013* The
Health Savings Account (HSA) Administrator Switch from Bancorp to Bank of America Frequently Asked Questions
Health Savings Account (HSA) Administrator Switch from Bancorp to Bank of America Frequently Asked Questions 1. What is the change to my Health Savings Account? The company will be changing its HSA administrator
WealthCare Health Savings Account
Welcome to your WealthCare Health Savings Account Enclosed is everything you need to help you learn how to use your HSA. Let s get started! effective 1/1/2015 Congratulations! Thank you for opening a Health
Understanding Health Savings Accounts (HSAs) HSA Bank is a division of Webster Bank, N.A., Member FDIC.
Understanding Health Savings Accounts (HSAs) What is an HSA? A tax-advantaged savings account that you use to pay for qualified medical expenses not covered by the CDHP, including deductibles, co-pays,
WELCOME TO THE AETNA HEALTHFUND HEALTH SAVINGS ACCOUNT (HSA)
WELCOME TO THE AETNA HEALTHFUND HEALTH SAVINGS ACCOUNT (HSA) Welcome to the Aetna HealthFund Health Savings Account (HSA). We know how important your employees are to you, and we want to work with you
CHOICE, CONVENIENCE, CONTROL. The Convergence of Healthcare and Banking September 26, 2007
The Convergence of Healthcare and Banking September 26, 2007 Topics for Discussion Health Account Market Overview Products and Distribution of Account Management Solutions Banking Go to Market Strategy
Health Savings Account (HSA) State of Tennessee
Tax-Advantaged Accounts Health Savings Account (HSA) State of Tennessee What s a Health Savings Account (HSA)? It is an account you contribute to with pretax money deducted from your paycheck. You use
What Small Business Wants from Banking & Payments. Paul McAdam, SVP, Research & Thought Leadership Gail Angel, SVP, Commercial Treasury Services
What Small Business Wants from Banking & Payments Paul McAdam, SVP, Research & Thought Leadership Gail Angel, SVP, Commercial Treasury Services What Small Business Wants from Banking & Payments Research
Employers Guide to Health Savings Accounts
Employers Guide to Health Savings Accounts Employers Guide to Health Savings Accounts A Health Savings Account (HSA) is a tax-advantaged medical savings account available to individuals enrolled in a high
B The Bancorp Bank HSA Program Overview. for. Excellus
B The Bancorp Bank HSA Program Overview for Overview of The Bancorp Bank HSA Solution for Excellus Agenda Introduction to The Bancorp Bank HSA Eligibility, Features and Benefits Contributions, Distributions
What to expect with PayFlex
What to expect with PayFlex Detailed information about your health savings account (HSA) HSA members moving to PayFlex 69.03.596.1 (3/15) We d like to tell you what you can expect from us as you prepare
Congratulations on opening a
Congratulations on opening a Health Savings Account! Let us help you manage your account easily, efficiently and securely. 05/2012 - CeB IMPORTANT! In order for us to comply with federal regulations, you
Introduce HSA to your employees SHOP State of Kentucky Employer
Introduce HSA to your employees SHOP State of Kentucky Employer If you ve looked for cost-effective health care for your employees, you ve probably heard of consumer-directed health (CDH) plans. These
Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
Frequently Asked Questions High Deductible Health Plan (HDHP) with Health Savings Account (HSA) There are two components to the High Deductible Health Plan (HDHP) with HSA Medical Plan the HDHP Health
WELCOME TO YOUR HEALTH SAVINGS ACCOUNT (HSA)
WELCOME TO YOUR HEALTH SAVINGS ACCOUNT (HSA) Congratulations! Thank you for opening a Health Savings Account (HSA) with TaxSaver Plan and Bancorp. We are here to help you and your family understand how
Benefits Participant Guide
Benefits Participant Guide Table of Contents Refer to the Table of Contents for a full summary of the information contained within this guide. Click the section headings to be brought directly to that
Benefits Participant Guide
Benefits Participant Guide Table of Contents Refer to the Table of Contents for a full summary of the information contained within this guide. Click the section headings to be brought directly to that
Kitsap Bank Health Savings Account Guide. A tax-smart way for you to manage growing healthcare costs.
Kitsap Bank Health Savings Account Guide A tax-smart way for you to manage growing healthcare costs. At Kitsap Bank, we believe that helping you prepare for the rising cost of health care is key to helping
Health Savings Account (HSA) Member Guide. 2014 Xerox HR Solutions, LLC. All rights reserved.
Health Savings Account (HSA) Member Guide 2014 Xerox HR Solutions, LLC. All rights reserved. Table of contents Welcome to the BenefitWallet HSA!... 3 What is a Health Savings Account (HSA)?...3 Your BenefitWallet
Health Savings Account (HSA)
Health Savings Account (HSA) with Limited Purpose Flexible Spending Account (LPFSA) University of Rochester Feb 2 and 4, 2015 Aetna Consumer Financial Solutions products are administered by PayFlex Systems
A Single Source Provider for Private Exchanges and Consumer Directed Healthcare Solutions
A Single Source Provider for Private Exchanges and Consumer Directed Healthcare Solutions 2 Cielostar is about enabling choice for employers and consumers using technology and data to facilitate better
Be more profitable! Accept card & mobile payments.
Click to edit Master title style Be more profitable! Accept card & mobile payments. Your turn-key cashless & data solution. Click Cashless to edit Realities Master title style Your customers are carrying
Section 125 Plans Flexible Spending Accounts Health Reimbursement Arrangements Health Savings Accounts
Section 125 Plans Flexible Spending Accounts Health Reimbursement Arrangements Health Savings Accounts We understand the important role that employee benefits, especially health insurance, play in our
Virginia Tax Refund Debit Card Frequently Asked Questions for the Virginia Banking Community
Virginia Tax Refund Debit Card Frequently Asked Questions for the Virginia Banking Community Background and Scope Effective January 2013, tax refunds will be issued through a direct bank deposit or through
The Personal Health Account Opportunity for Brokers
The Personal Health Account Opportunity for Brokers By Catherine Corby Parker There is a new healthcare payment card in the alphabet soup of FSAs, HSAs and HRAs. The new entrant is the PHA, or Personal
Old National Health Savings Account
Old National Health Savings Account Overview What is a Health Savings Account? A Health Savings Account (HSA) is an account that can be funded with your tax-exempt dollars, by an employer, or both, to
SIMPLE SWITCH KIT. We Make the Switch Simple
SIMPLE SWITCH KIT We Make the Switch Simple 5 Simple Steps To Switch Your Account The Process: 1 Open your Wells Bank account Visit your local branch and a Personal Banking Representative will answer any
Personal Account Switch Kit
Personal Account Switch Kit Personal Account Switch Kit Switching banks is simple with our Account Switch Kit. The following forms are everything you need to get your new account with Vista Bank up and
Frequently Asked Questions on the Benny Prepaid Benefits Card
Frequently Asked Questions on the Benny Prepaid Benefits Card General Questions on the Benny Prepaid Benefits Card 1. Why did I receive the Benny Prepaid Benefits Card? As a participant in a medical reimbursement
A Short Guide to your Optum Bank SM HSA. How to Open and Get Started with a Health Savings Account (HSA) from Optum Bank SM.
A Short Guide to your Optum Bank SM HSA How to Open and Get Started with a Health Savings Account (HSA) from Optum Bank SM. Open your HSA with Optum Bank today. It s quick and easy - go to optumbank.com
From Community Unit School District 303
From Community Unit School District 303 Medical Plan Options for 2016 D303 and your Insurance Committee are pleased to offer exciting new benefit options for 2016. District 303 (D303) will offer only three
HSASM group overview
healthybluehsa SM group overview Table of Contents Guide to Group Setup... Page 3 Health Savings Account... Page 4 HSA Investments... Page 9 Statements and Reporting... Page 10 Healthy Blue Choices SM
2016 Health Savings Plan and Health Savings Account Questions
2016 Health Savings Plan and Health Savings Account Questions Health Savings Plan (HSP) What is the Health Savings Plan? The HSP is a High Deductible Health Plan (HDHP) with coverage that starts after
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Michigan State University 2014 Open Enrollment Blue Care Network is a nonprofit corporation and independent licensee of the Blue Cross
Personal. & Products Services. Sterling Silver Money Market. Sterling Silver Checking. Mobile Banking. Sterling Professional Checking Senior Checking
Personal & Products Services VISA Health Savings Account Online Banking Sterling Professional Checking Senior Checking Certificate of Deposit CDARS Program E-Statements Statement Savings Online Bill Pay
Health Savings Accounts (HSA) A healthy way to save
Health Savings Accounts (HSA) A healthy way to save Invest in your health with an HSA A Health Savings Account (HSA) is an individually-owned, tax-free, interest-bearing savings account that is used to
How To Control Credit Card And Debit Card Payments In Wisconsin
BACKGROUND State of Wisconsin agencies accepted more than 6 million credit/debit card payments annually through the following payment channels: Point of Sale (State agency location) Point of Sale (Retail-agent
Important Information About Systems Conversion
Important Information About Systems Conversion The conversion from American Bank systems will occur over the weekend of April 22-24, 2016. Please read the following important information and instructions.
Frequently Asked Questions New Account Online
Frequently Asked Questions New Account Online What do I need to apply online? To make the new account process quick and easy, please have the following information available for each person whose name
PAYROLL SYSTEMS INTEGRATION. ADMINISTRATION. ACCOUNTABILITY.
PAYROLL SYSTEMS INTEGRATION. ADMINISTRATION. ACCOUNTABILITY. COMPLETE INTEGRATION OF EMPLOYEE COMPENSATION MANAGEMENT Payroll Systems offers tailored solutions for businesses of all sizes with dedicated
No action is required by the Employer to establish Employee HSAs
Larry B. Martin COMMISSIONER STATE OF TENNESSEE DEPARTMENT OF FINANCE AND ADMINISTRATION BENEFITS ADMINISTRATION 312 Rosa L. Parks Avenue Suite 1900 William R. Snodgrass Tennessee Tower Nashville, Tennessee
Brought to you by Black Gould and Associates. For Broker Reference
Brought to you by Black Gould and Associates For Broker Reference Your job is about to get a lot easier! Welcome to, our comprehensive web-based HR system that will provide your clients with extensive
Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions
Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions What is the Blue Shield of California CDHP with HSA? The Blue Shield of California
Health Savings Account (HSA) with Limited Purpose Flexible Spending Account (LPFSA) University of Rochester Feb 10 th and 11 th, 2016
Health Savings Account (HSA) with Limited Purpose Flexible Spending Account (LPFSA) University of Rochester Feb 10 th and 11 th, 2016 What is a Health Savings Account (HSA)? An HSA is a health care savings
Defined Contribution The Next Frontier of Healthcare Consumerism. IHC Forum East - May 2013 Presenter: Terry McCorvie
Defined Contribution The Next Frontier of Healthcare Consumerism IHC Forum East - May 2013 Presenter: Terry McCorvie 1 Changes in the market place are creating challenges but also present opportunities
Checks NEW DEBIT CARD AND CHECKS HSA INVESTMENTS. Fees and Interest Rates Please see enclosed Explanation of HSA Bank
HSA Bank PO Box 939 Sheboygan, WI 53082-0939 July 31, 2015 Name Address City, State Zip Dear Name, As previously communicated, we, HSA Bank, a division of Webster Bank, N.A., purchased J.P. Morgan s Health
Health Savings Account Questions and Answers
Health Savings Account Questions and Answers Health Savings Account Basics 1. What is a Health Savings Account (HSA)? An HSA is a trust or custodial account established exclusively to receive tax-favored
Guidelines for Accepting Credit Cards as a Form of Payment for Education, Registration and Other Fees
Guidelines for Accepting Credit Cards as a Form of Payment for Education, Registration and Other Fees Background Over the past few years, the use of credit cards as a payment option for purchasing goods
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document
YOUR GUIDE TO YOUR HEALTH SAVING ACCOUNT. www.mybancorphsa.com
YOUR GUIDE TO YOUR HEALTH SAVING ACCOUNT www.mybancorphsa.com A Health Savings Account, or HSA, can be a valuable tool to help you save money for medical expenses for you and your family. An HSA is a tax-exempt
Learn What s New. Aetna High Deductible Health Plan with Health Savings Account Quick Guide
Take Care Learn What s New Aetna High Deductible Health Plan with Health Savings Account Quick Guide The Aetna High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) is designed to give
Script for Manager s Tutorial 2016 Annual Enrollment
Script for Manager s Tutorial 2016 Annual Enrollment Introduction Welcome to the 2016 Annual Enrollment Manager s Tutorial. Annual enrollment for eligible full-time and part-time employees is from October
Strategies to Serve Your Small Business Relationships Heather Fraser Vice President, Commercial Sales
Strategies to Serve Your Small Business Relationships Heather Fraser Vice President, Commercial Sales Today we will cover: Small Business Market Overview Small Business Trends and Concerns Attracting,
Service, value, and convenience for your business
Service, value, and convenience for your business Alaska USA for your business. It makes great business sense! To learn more about Business Checking Visit any branch Go to alaskausa.org Call (800) 525-9094
Table of Contents The Market for Merchant Services... 1 The Basics of Payment Processing... 2 Authorization Settlement Funding... 2 Authorization...
Table of Contents The Market for Merchant Services... 1 The Basics of Payment Processing... 2 Authorization Settlement Funding... 2 Authorization... 2 Settlement... 2 Funding... 2 Credit Card Processing
Health Savings Option with a Health Savings Account (HSA)
Health Savings Option with a Health Savings Account (HSA) The Health Savings Option is a high deductible health insurance plan administered by United Medical Resources (UMR), a United Healthcare Company,
Flexible Spending Accounts
EMployee Education Flexible Spending Accounts Healthcare Reimbursement Accounts - Healthcare Flexible Spending Account (FSA) - Dependent Care Account (DCA) What Are They? A FSA is an account that an employee
IRA/FSA/HRA Transfer Request Form
IRA/FSA/HRA Transfer Request Form To request an IRA Transfer to your HSAToday Account, please complete this Form and Submit it to: Voice: 888-665-1264 Fax: 501-687-1409 Email: support@myhsatoday.com PART
Together for a great state of health Health Savings Plan (HSP) with a Health Savings Account (HSA)
Together for a great state of health Health Savings Plan (HSP) with a Health Savings Account (HSA) 2016 Benefits About Blue Shield of California Not-for-profit health plan with over 70 years of experience.
Devenir Research. 2014 Year-End HSA Market Statistics & Trends Executive Summary
Devenir Research 2014 Year-End HSA Market Statistics & Trends Executive Summary REPORT RELEASE DATE: 2/11/2015 Table of Contents Key Findings... 2 HSA Industry Level Account Data... 3 Industry Contributions
Control costs while helping employees manage health expenses Aetna HealthFund One-to-One for small businesses. www.aetna.com
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Control costs while helping employees manage health expenses Aetna HealthFund One-to-One for small businesses
Listed below are several key points of interest concerning your banking relationship:
October 7, 2014 Dear Valued Customer: On June 20, 2014, Landmark Bank, N.A. assumed the deposits and essentially all of the assets of Valley Bank. We have been diligently working on merging the two operating
PayFlex Health Savings Account (HSA) Frequently Asked Questions
OVERVIEW AND ELIGIBILITY REQUIREMENTS What is a Health Savings Account? A Health Savings Account ( HSA ) is a tax-advantaged healthcare account created for the purpose of saving and paying for qualified
EMDEON VIRTUAL CARD PAYMENTS
EMDEON VIRTUAL CARD PAYMENTS Simplifying the Business of Healthcare How Much Could You Be Eligible to Receive? By switching provider payments from paper checks to Virtual Card, you could be eligible to
Welcome to our annual
Fast Tracking Y Our Annual Welcome to our annual HSA Survey. We asked the top companies in the state essential questions about coverage and services that affect you, the broker. Read on to find out which
Cardholder Lifecycle Management. Jim Sheahan, VP Card Services, FIS
Cardholder Lifecycle Management Jim Sheahan, VP Card Services, FIS Agenda What s changed? What s the same? Opportunities Cardholder lifecycle management Acquisition strategies Activation strategies Usage
Devenir Research. 2015 Midyear HSA Market Statistics & Trends. Executive Summary
Devenir Research 2015 Midyear HSA Market Statistics & Trends Executive Summary REPORT RELEASE DATE: 8/11/2015 Table of Contents Key Findings... 2 HSA Industry Level Account Data... 3 Industry Contributions
Get connected with everything Checking has to offer. And get back to living. INSIDE. We make it easy. Get connected in 6 simple steps.
Get connected with everything Checking has to offer. And get back to living. INSIDE We make it easy. Get connected in 6 simple steps. Welcome Thank you for choosing Northwest. Let us walk you through the
ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING
ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING Information about Our Consumer Deposit Accounts/Disclosure on Account Terms This disclosure describes many important features and terms of our consumer
Health Savings Account (HSA) A Member Guide
Health Savings Account (HSA) A Member Guide 1 Save the Smart Way And Maximize Your Healthcare Dollars With your BlueSolutions for HSA health plan, you have the option to set up a health savings account
Health Savings Account
Health Savings Account About us Central Bank opened it s doors in Jefferson City in 1902 For over 100 years we ve focused on personal service and leading product innovation Loriel Dulle Director of Retirement
Health Savings Account (HSA) A Member Guide
Health Savings Account (HSA) A Member Guide 1 Save the Smart Way And Maximize Your Healthcare Dollars With your BlueSolutions for HSA Direct health plan, you have the option to set up a health savings
Bank Deposit Program Disclosure Statement
August 2015 Bank Deposit Program Disclosure Statement Introduction 1 Eligibility 2 Deposit Procedures 2 Withdrawal Procedures 2 Interest on the Deposit Accounts 3 Credited Interest Rebalancing at the Sweep
Managing Your Everyday Finances
Managing Your Everyday Finances Making the Most of Your Relationship With Morgan Stanley. Managing your day-to-day spending, cash flow, and available funds are key features of your overall financial management
Reacting to the Challenges: Business Strategies for Future Success. Todd S. Adams, Chief Executive Officer Adams Bank & Trust Ogallala, Nebraska
Reacting to the Challenges: Business Strategies for Future Success Todd S. Adams, Chief Executive Officer Adams Bank & Trust Ogallala, Nebraska Adams Bank & Trust Family Owned for 95 Years $525 Million
Requested Services for DOAS and SAO
June 14, 2011 On behalf of the Georgia Department of Administrative Services (DOAS) and the State Accounting Office (SAO), the Office of the State Treasurer (OST) is requesting stored value card services
Business Account Transition Charts
Business Account Transition Charts 37 Just Right Business Checking or Just Right Business Checking+ Small Business Checking $9 monthly maintenance fee 6 Relationship Rewards 1 If your daily balance does
Health Savings Account Administration Instructions
475 14 th Street, Suite 650 Oakland, CA 94612 P.O. Box 71107 Oakland, CA 94612 T: 1.800.617.4729 F: 1.877.517.4729 Health Savings Account Administration Instructions No Plan Document is needed for Healthcare
Health Savings Account Investment Platform. Innovative, Cost-Efficient Healthcare Account Solutions
Health Savings Account Investment Platform Innovative, Cost-Efficient Healthcare Account Solutions 1 Investment Account Information The Bancorp Bank s Investment Services group offers a robust, self-directed
Health Savings Accounts. Employer User Guide
Health Savings Accounts Employer User Guide Health Savings Accounts Employer User Guide (SG) Published by: J.P. Morgan 2011 J.P. Morgan Chase & Co. All rights reserved. J.P. Morgan Chase Bank, N.A. Customer
The Smart, Safe, Simple Way to Switch
The Smart, Safe, Simple Way to Switch At Fidelity Bank, we understand the complexities involved in moving your business to a new financial institution. We are committed to providing you with the best service
Cigna Choice Fund Health Savings Account (HSA) Client Name State of Montana March 4, 2013
Cigna Choice Fund Health Savings Account (HSA) Client Name State of Montana March 4, 2013 What Is a Health Savings Account (HSA) Plan? Qualified Medical Plan + Health Savings = Bank Account Tax Advantaged
CDH Refresher Cindy Otley Director Marketing and Product Development
CDH Refresher Cindy Otley Director Marketing and Product Development Cindy.Otley@CareFirst.com 410-998-7788 Visual Presentation Only CareFirst BlueCross BlueShield is an independent licensee of the Blue
Important Health Care Information for US Employees. Preparing to Begin an International Assignment
Important Health Care Information for US Employees Preparing to Begin an International Assignment CIGNA Global Health Benefits Enrollment Medical, dental and vision coverage is provided through CIGNA Global.
April 1, 2008. The Honorable Henry A. Waxman Chairman Committee on Oversight and Government Reform House of Representatives
United States Government Accountability Office Washington, DC 20548 April 1, 2008 The Honorable Henry A. Waxman Chairman Committee on Oversight and Government Reform House of Representatives The Honorable
FREQUENTLY ASKED QUESTIONS QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT
FREQUENTLY ASKED QUESTIONS QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT Qualified High Deductible Health Plans (QHDHP) What is a QHDHP? A QHDHP is a medical plan regulated by the
GEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com
GEHA 2014 Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com CODE Self Only 341 Self + Family 342 Enrollment checklist 1. Research health
CUSTOMER SECURITY AWARENESS: A Key Defense Against Corporate Account Takeover & Cyber Fraud
CUSTOMER SECURITY AWARENESS: A Key Defense Against Corporate Account Takeover & Cyber Fraud Presented by Tom Garcia President / CEO InfoSight, Inc. 2014 InfoSight What we ll cover today 1. The MFA & NACHA
Contact us! MATT Locations: Phone: Online: Direct Deposit Rate Update
Savings Services Savings Services We ll Help You Reach Your Financial Goals Whether you re interested in short-term savings with immediate access to your funds or long-range investments with high earning
Prepaid Debit Card FAQs (FAQs with an asterisk appear in the prepaid cardholder collateral piece.)
Prepaid Debit Card FAQs (FAQs with an asterisk appear in the prepaid cardholder collateral piece.) Has Bellco partnered with a prepaid debit card vendor? Yes. Bellco has partnered with The Members Group
Health Savings Accounts Frequently Asked Questions
Health Savings Accounts Frequently Asked Questions Health savings accounts put your health care spending in your own hands. You decide when and how to use your health care dollars and you can save on taxes
Business Account Conversion Charts
Business Account Conversion Charts 23 SIMPLE BUSINESS CHECKING $9 monthly maintenance fee 9 Relationship Rewards 2 If your balance does not fall below $400 and you choose three additional relationship
Welcome Guide. Providence Bank. Countryside Customers. for State Bank of
Providence Bank Welcome Guide for State Bank of Countryside Customers IL South Holland Elmhurst Frankfort Orland Park Wheaton IN Dyer Munster Schererville We are excited to be your community bank. 42261
GAO. HEALTH SAVINGS ACCOUNTS Participation Grew, and Many HSA-Eligible Plan Enrollees Did Not Open HSAs while Individuals Who Did Had Higher Incomes
GAO For Release on Delivery Expected at 10:30 a.m. EDT Wednesday, May 14, 2008 United States Government Accountability Office Testimony Before the Subcommittee on Health, Committee on Ways and Means, House
Health Savings Account (HSA) 101
HSA 101 Health Savings Account (HSA) 101 What is a Health Savings Account (HSA)? A personal financial account for payment of all medical, dental, vision, & Rx health care expenses free of income or payroll
2015 HSA Plan Quick Guide
2015 HSA Plan Quick Guide The HSA Plan consists of two parts that work together to give you more control over how you receive and pay for medical care and services, both now and in the future: the Health
Purdue Choice Fund Health S i av A ngs t ccoun (HSA)
Purdue Choice Fund Health Savings Account (HSA) What Is a Health Savings Account (HSA) Plan? Qualified Medical Plan + Health Savings = Bank Account Tax Advantaged HSA Plan A tax advantaged health plan