Health - High Deductible Health Plan with an HSA

The High Deductible Health Plan (HDHP) associated with the Health Savings Account (HSA) is a point-of-service plan offering you flexibility for your health care needs. Monthly premiums are the lowest of the three health plan options. UNE will contribute up to $2,200/year to an eligible participating employee's HSA account. Employer HSA contributions are made on a per-pay-period basis. 

• Summary of Benefits and Coverage: HDHP/HSA (PDF)
• Benefit Summary: HDHP/HSA (PDF)*
• Summary Plan Description HDHP/HSA (PDF)*
• State Compliance Rider (PDF)
• Rider for Non-Maine Residents (PDF)
• Massachusetts Certificate Rider (PDF)
• Certificate Rider: HSA (PDF)
• Cigna One Guide Enrollment Support Line (PDF)
• Finding a Provider (PDF)
• Notice of Privacy Practices (PDF)
• Preventative Health Care (PDF)
• Three-tier prescription: HDHP (PDF)
• Wrap Summary Plan Description (PDF)
• Cigna HSA recorded webinar (video)

*Contact Human Resources at hr@une.edu to access plan documents from the prior calendar year.

• View the Benefit Guide (PDF) for the monthly plan premiums.
• Do not elect this plan if you have a Medical Flexible Spending Account or if you have other coverage such as Medicare Part A. If you are considering enrolling in Medicare Part A please review Deciding Whether to Enroll in Medicare Part A and B When You Turn 65 (PDF)
• If you elect the HSA medical insurance plan and decide to enroll in Medicare after delaying it, you should stop contributing to your HSA (including UNE’s employer contributions) at least six months in advance of enrolling in Medicare. Otherwise, you may be hit with a tax penalty because Part A of Medicare provides six months of retroactive coverage upon enrollment. You should contact a UNE Human Resources representative at least six months in advance to complete the necessary paperwork to stop HSA contributions.
• HSA funds cannot be used for expenses incurred prior to the setup/opening of the HSA Bank account. Example: If you open your account on 2/24/2025, you are not permitted to use HSA funds for any dates of service prior to 2/24/2025.
• HSA funds may be used for you and your spouse; all dependents you claim on your tax return; and any person you could have claimed as a dependent on your return (with some exceptions). Your domestic partner may not use your HSA contribution to pay for their medical expenses regardless of medical coverage under your high deductible health plan. This is subject to change per the IRS. See the IRS guidelines for the most up to date information regarding the use of HSA funds

Contact HSA Bank

Client Assistance Center (for members)

Phone (available 24 hours a day, 7 days a week)

• English: 1 (800) 357-6246 or (414) 978-5294
• Spanish: (866) 357-6232

Email: askus@hsabank.com

Lost or Stolen Debit Card?

During business hours, contact the Client Assistance Center: 1 (800) 357-6246 or (414) 978-5294. On holidays call 1 (800) 523-4175.

Create an account with Cigna online to access information about your medical health plan.

• Cigna’s Mobile App (PDF)

Health Advocate

Utilize this free and confidential service to compare the three plans to help choose the one appropriate for you. Call to speak to a representative who can help.

Medicare

Deciding Whether to Enroll in Medicare Part A and B When You Turn 65 (PDF).