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. If you require care from a specialist, a referral from your PCP is required. You receive 90% coverage for in-network services after the deductible is met and have the option for out-of-network services. Monthly premiums are the lowest of the three health plan options. UNE will contribute up to $2,600/year to an eligible participating employee's HSA account. Employer HSA contributions are made on a per-pay-period basis. Participants also have the option to contribute additional money to their HSA (within limits set by the IRS). The 2022 getting started enrollment kit for the POS HSA plan (PDF) and additional resources below will guide you to getting the most out of your health insurance.

• Benefits Handbook: HDHP/HSA (PDF)
• Summary of benefits: HDHP/HSA (PDF)
• Schedule of benefits: HDHP/HSA (PDF)
• Prescription drug brochure (PDF)
• Three-tier prescription: HDHP/HSA (PDF)
• Legal notices for group members (PDF)
• Harvard Pilgrim Notice of Privacy Practices (PDF)
• Preventive services under the ACA (PDF)
• Wrap Summary Plan Description (PDF)

Special Note Regarding COVID-19

The CARES Act (PDF), which took effect on March 27, 2020, now permits FSA and HSA reimbursement of over-the-counter products without the need of a prescription, along with menstrual products.

• You cannot 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 account with Benefit Wallet. Example: If you open your account on 2/24/2022, you are not permitted to use HSA funds for any dates of service prior to 2/24/2022.
• 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.

Benefit Wallet is where your HSA contributions will be made. Whether you have used a Health Savings Account previously or not, you may have questions about your HSA account.  

• Member Guide
• Member Tutorial
• Why am I being asked to verify my identity? (PDF)
• General HSA questions (PDF)
• What may I pay for with my HSA dollars? (PDF)
• HSA and Medicare FAQ (PDF)
• Investments and my HSA account (PDF)
• Transfer HSA contributions from another account to Benefit Wallet (PDF)
• Service Center: 1 (877) 472-4200 (PDF)

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

• Harvard Pilgrim Online registration instructions (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.

Eligible Expenses

View the purchases you can make using your HSA Account under IRS guidelines (PDF). Note that eligible expenses may not apply to your deductible or maximum out of pocket. See your plan for more details.

Medicare

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