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Health Savings Account: Do they really save on your gas billed?

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Health Savings Accounts: News...Bank of America Still Old School, but learing? HRA...Anyone?

Health Savings Accounts with a Health Reimbursement Arrangement (New School for the old Flexible Spending Accounts or Cafeteria Plans)...When are they going to learn...or get up to speed?

Featured Story May 29, 2008

Bank of America to 'Walk the Walk' by Offering Its Own Employees Health Care Accounts for Expenses

Reprinted from INSIDE CONSUMER-DIRECTED CARE, a biweekly newsletter with timely news and insightful analysis of benefit design, contracts, market strategies and financial results.

Account for Expenses Charlotte, N.C.-based Bank of America (BoA) is sweetening its transition to consumer-directed health care (CDH) by offering some employees extra money to help defray out-of-pocket health care expenses. Beginning in 2009, employees who earn less than $100,000 per year will be eligible to receive up to $100 a month in a "health care account" to use at their discretion, according to company spokesperson Kelly Sapp.

In January, BoA consolidated its health and insurance benefits under one carrier — Aetna Inc. — replacing a hodgepodge of plans from more than a dozen carriers. Bank employees can choose from a traditional PPO-HMO blended plan with a flexible spending account (FSA), or a high-deductible health plan with an HSA.

In addition, BoA will place $600 to $1,200 per year into a health care account that employees can use for copayments and other expenses. The amount of funds deposited on the health care account is based on an employee's annual salary. The money can be rolled over from year to year and saved into retirement, Sapp explains.

"Employees can take the health care account into retirement," she says. "But if they leave Bank of America before retirement, they can't take the money with them."

Account Is Similar to HSA or HRA

Although neither an HSA nor a health reimbursement arrangement (HRA), the health care account has characteristics of both. Like an HRA, the money nominally belongs to the employer. However, it rolls over from year to year, and like an HSA eventually belongs to the employee.

The health care accounts are a dividend from the savings expected to result from streamlining the company's health benefits. "Going to a primary provider of health benefits allowed us to gain some operational efficiencies with which we were able to enhance and offer some additional programs to our associates, the health care account being one of them," Sapp says.

At the Consumer Health World conference in Arlington, Va., last December, Thomas Joseph, senior vice president and business development executive for benefit solutions at BoA, described the difficulty of "selling" CDH to its own employees when the plan was introduced in 2006.

Sapp says that there are no immediate plans for BoA to discontinue the PPO HMO blended plan and fully replace the benefit with CDH. However, the health care account will give employees more control over their money and help them cope with rising health care costs, she says.

Several other financial institutions and HSA administrators are introducing CDH to their work force or replacing their traditional health benefits plans. Daryl P. Richard, spokesman for OptumHealth Bank, Inc., parent UnitedHealth Group, Inc., says that it is important for a company that markets CDH to practice what it preaches.

"Given that we sell CDH plans ourselves, and having one of the largest enrollments, we thought it was critically important to walk the walk," Richard says. "If we're going to be talking about the increased need for consumers to be engaged, we thought we should start with our own employees so they understand what these changes in the health care system are."

Richard says that working with its own employees allows UnitedHealth Group an opportunity to take new systems for a shakedown cruise before being rolled out to customers. "It's been helpful to test with our own employees some of the tools and resources that we make available broadly to our millions of members enrolled in CDH plans," he says.

About 150,000 Bank of America employees in the U.S. will be eligible for health care accounts, according to Sapp. With dependents, the benefit will include about 500,000 lives, she says.

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Health Savings Accounts: Four Reasons You Should Consider a HSA

Health Savings Accounts are the newest entity in health insurance policies. Coupled with High Deductible Health Plan this comprehensive consumer based coverage takes advance of the need for lower health care costs and the demand for flexible funding of one's health care needs. While this may seem too good to be true, this article will provide you with four solid reasons to look at Health Savings Accounts as an option for you and your family.

First and foremost, Health Savings Accounts are coupled with High Deductible Insurance Plans that can decrease your total out of pocket expenses. Once the deductible is met all covered medical expenses are paid by the insurance carrier, including prescription drugs. Secondly, funds that are deposited into your Health Savings Account are 100% tax deductible as long as the money is being spent on qualified medical expenses. Some examples of qualified medical expenses are: fertility treatment, prescription and over the counter medications, travel expenses and lodging. The third reason that you should consider a Health Savings Account along with a High Deductible Insurance Plan is increased availability. Many banking institutions, like Wells Fargo and US Bank are offering Health Savings Accounts, making it easier for policy holders to manage their Health Savings Accounts.

As mentioned previously Health Savings Accounts allow policy holders the freedom to choose methods of treatment and prevention. This leads to reason number four. Choosing a Health Savings Account decreased the amount of out of pocket expenses by paying for a number of medical expenses not typically covered under traditional health insurance policies. Vitamins, dental treatments, chiropractic work, and physical therapy are just a few of the qualified medical expenses covered through a Health Savings Account.

There are many reasons to consider a Health Savings Account for you and your family. This article has just skimmed the surface.

Health Savings Accounts: Major in Majors…Don’t Major in Minors!

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While mining through a pile of e-mails during the Memorial Day weekend I came upon a forwarded e-mail that would give you the best gas prices in your area after putting in your zip code.

The web site would give you the best price per gallon and a map of the town to guide you towards this landfall of cash savings.

Planning not to work the rest of the day, I put a calculator to the minor saving and found our that after choosing a site not far from my house I would save 1-2 cents per gallon of gas. That’s were I go anyway.

This starting me thinking…not good on a day off!

What I found was the most I could save after calculations (without driving there as a variable) not to mention the time, that I would save $4.00 for every 20 gallon of gas purchased.

After 15 minutes I figured out that without the other input or variables I could never re-coupe the measly 16 dollars an hour to buy 80 gallons of gas every.

I think you can see where this is going…I hope?

Thus my special for Memorial Day and our troops and supportive family members back here at home.

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Health Savings Accounts: IRS Updated inflation-adjusted deduction limits out!

The Internal Revenue Service has published the 2009 inflation-adjusted deduction limits for Health Savings Accounts.

For calendar year 2009, the annual limitation on deductions for an individual with self-only coverage under a High Deductible Health Plan is $3,000. For 2009, the annual limitation on deductions for an individual with family coverage under a high-deductible health plan is $5,950.

For 2009, a high-deductible health plan is defined as a health plan with an annual deductible that is not less than $1,150 for self-only coverage, or $2,300 for family coverage, and the annual out-of-pocket expenses (deductibles, co-payments, and other amounts, but not premiums) do not exceed $5,800 for self-only coverage or $11,600 for family coverage.

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Health Savings Accounts: Real Access to Health Care?

Health care reform has been the topic of conversation for generations. Access to health care is an ever-increasing issue affecting millions. Health Savings Accounts are helping to solve the problem of access and affordability of healthcare. Health Savings Accounts insured an estimated 7.4 million Americans last year according to researchers at Information Strategies. Health Savings Accounts continue to rise in popularity and the number of those enrolling in Health Savings Accounts and High Deductible Health Plan continue to grow. So what are Health Savings Accounts?

In 2003 the Medicare bill introduced Health Savings Accounts into the world of consumer-based health insurance. Health Savings Accounts are a tax-free way to help people save for medical expenses including current medical expenses and future medical expenses. Policy holders can withdraw money from their Health Savings Account on a tax-free basis if used for qualified medical expenses. If there is money left in the account at year’s end the funds will be rolled over into the next year. This will continue year after year after year. Health Savings Accounts give you the opportunity to save up for catastrophic medical expenses.

Health Savings Accounts are available to virtually anyone. In order to qualify for a Health Savings Account you have to be enrolled in a High Deductible Insurance Plan. The other major stipulation is that you cannot be a Medicare recipient. Health Savings Accounts and High Deductible can offer huge savings while still providing ample coverage. Should a policy holder enroll in a Medicare plan after participating in a Health Savings Account program, the funds within that account would still be available to the individual.

One other key factor in Health Savings Accounts is that the funds used have to go toward qualified medical expenses. A basic list include braces, over the counter drugs, birth control pills, childbirth preparation classes, crutches, psychological help, lasik surgery, etc.