Document 6473836

Transcription

Document 6473836
Does my HSA debit card have a daily
withdrawal limit?
The HSA Investment Service
If your plan offers investments with your HSA, once the
balance in your account reaches $2,000, you are eligible
to open an HSA Investment Account.
The HSA debit card has a daily withdrawal limit of $3,000.
This includes withdrawing cash at an ATM and for
PIN-based purchases. Some ATMs may limit the
amount you can withdraw in a single transaction, so you
may have to use the ATM more than once to reach your
HSA daily limit. Additionally, your daily signature-based
purchase or cash advance limit is $5,000.
Through the HSA Investment Account you are able to
invest in a variety of mutual funds, each investing in
different types of securities with distinctive risk and return
characteristics. You can purchase, exchange and redeem
mutual funds, as well as view investment account balances
and transaction history online. Registered representatives
are also available to answer questions and place phoneassisted transactions.
What happens if I do not spend all the funds
in my HSA?
All unused funds in your HSA carry over into the next year
and continue to accrue interest. If you have funds in the
HSA Investment Account, they will also remain in that
account from year to year.
You can get more information about the Investment
Service by clicking on the Investments tab on the HSA
accountholder website. You can also contact HSA
Customer Service at the phone number listed on the
back of your HSA debit card.
What do I need to know in terms of tax reporting
and my HSA?
Manage Your HSA Online at
Your Secure Accountholder
Website, Aetna Navigator
Contribute to your account
Check your account balance
Request additional cards
Download monthly statements
Setup and manage account alerts
Pay your healthcare-related bills
View service and product information
Your HSA Plan
When you have an HSA, you must complete and
submit IRS Form 8889: Health Savings Accounts with
your tax return. On this form you report any employer
contributions to the account, as well as any additional
contributions you or your spouse have made. This form
will help you in calculating your HSA deduction. Please
contact your tax advisor to discuss your specific tax
situation.
Health Savings Account
· You own your HSA
· Contribute tax free and reduce your taxable income
· You choose how and when to use your dollars
· Roll it over each year and let it grow
· Earns interest, tax free
Where can I find a list of fees associated with
my HSA?
Today
Future
· Use for qualified
expenses with
tax-free dollars1
You can find the most current fee schedule, including tips
on avoiding these fees, online at Aetna Navigator.
Last Save Date: 9-28-2011 12:41 PM
User Name: Stachecki, Ray
Station Name: WWIL124145
Job Info
It’s easy, secure and convenient!
· Plan for future
and retirement
health-related costs
High Deductible Health Plan
· Preventive care covered at 100%, not subject to
deductible
· You pay 100% of care until deductible is met, then only
pay a share of the cost
· Meet out-of-pocket maximum, then plan pays 100%
1
Money in the HSA used for purposes other than qualified medical expenses is subject to taxes and, for
individuals who are not disabled or over the age of 65 are subject to a 20% tax penalty.
For more complete information about any of the mutual funds
available within the HSA Investment Account, please visit
the HSA accountholder website or contact a J.P. Morgan
Institutional Investments Inc. registered representative at
1-866-774-7129. Investors should carefully consider the
investment objectives, risks, charges and expenses of the
fund. Please carefully read the prospectus, which contains
this and other important information, before you invest or
send money.
Fulfillment
Campaign:
AETNA
Cell:
None
WR #:
110121
Partner:
TSS
Health Savings Accounts are administered for Aetna Life Insurance Company by
JPMorgan Chase Bank, N.A. Member FDIC.
Mutual funds are introduced by, and HSA Investment Accounts are offered by J.P. Morgan
Institutional Investments Inc., member FINRA and SIPC, and an affiliate of JPMorgan Chase
Bank, N.A. This service is available only to individuals (including U.S. citizens and U.S.
resident aliens) residing in the U.S.
JPMorgan funds are distributed by JPMorgan Distribution Services, Inc. Affiliates of
JPMorgan Chase & Co. receive fees for providing various services to the funds which include
fees for investment management, shareholder servicing, administration, distribution,
custody, fund accounting, securities lending and other services.
RPC:
None
Creative
Format ID:
CF07725
Component
Spec ID:
BRC-S07766
Campaign
Date:
None
Document Size:
Trim Width: 14”
Trim Height: 8.5”
Fold Position: 3.375”, 6.875”, 10.4375”
Folded Size: 3.5625” x 8.5”
Aetna Life Insurance Company is the trustee of your Health Savings Account.
A better way to pay
for your healthcare —
today and tomorrow
The HSA Visa Debit Card and HSA Checkbook administration support are provided by
JPMorgan Chase Bank, N.A. (“Chase”). You may receive communications that reference the
Chase name, where appropriate. Aetna is the brand name used for products and services
provided by one or more of the Aetna group of subsidiary companies. Aetna HealthFund HSA
plans are provided or administered by Aetna Health Inc., Aetna Health of California Inc., Aetna
Health of the Carolinas Inc., Aetna Health of Illinois Inc. and /or Aetna Life Insurance Company.
Chase does not provide or administer and is not in any way involved with any insurance plan
offered by Aetna Life Insurance Company.
www.aetna.com
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FPO Tech Notes
HSA fees, interest rates and investment options are subject to change without notice.
Investment options are not insured by Aetna or the FDIC and may result in loss of principal.
This document is not intended to provide tax or investment advice; please consult your
independent financial advisor before opening an HSA or making an investment selection.
Health benefits plans and health insurance plans contain exclusions and some benefits are
subject to limitations or visits maximums. Aetna HealthFund HSA may not be available in all
states. While this material is believed to be accurate as of the print date, it is subject to change.
© JPMorgan Chase & Co. All rights reserved.
3.5"
Segment:
PremiumID: None
Mutual fund shares are: NOT FDIC INSURED, NOT PRODUCTS OF OR GUARANTEED BY THE
BANK and MAY LOSE VALUE.
For answers to more Frequently Asked Questions,
visit Aetna Navigator
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Welcome to the
Aetna HealthFund®
Health Savings
Account (HSA)
To report lost/stolen cards, please call
1-866-524-2562
Each year Chase will send to you and to the IRS two
tax forms. IRS Form 5498-SA reports all contributions
to your HSA in the tax year. This form also includes
any interest earned. IRS Form 1099-SA reports all
distributions from your HSA. You can also view these tax
statements online through Aetna Navigator.
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Thank you for choosing the Aetna HealthFund
HSA – the smart way to save for your healthcare
needs. Now that you have your Aetna HSA Visa®
debit card, follow these easy steps to get started.
Step 1: Activate Your Card and Select a PIN
Before you can use your HSA debit card, you must
activate it. You can do this by calling the HSA Debit Card
Activation Number, 1-866-295-9173. You will need the
primary account holder’s date of birth and the last four
digits of his or her Social Security number.
When you activate your card, you will also select a fourdigit Personal Identification Number (PIN). You will need
your PIN when you use your card to:
• Pay for qualified purchases at participating locations,
such as your doctor’s office or pharmacy.
• Withdraw cash from your HSA at automated teller
machines (ATMs).
• Access your account information using our
automated telephone service.
Your PIN should be easy for you to remember but hard
for others to guess. To keep your HSA funds safe, always
keep your PIN a secret.
Step 2: Contribute to Your HSA
There are a number of ways to contribute to your
Aetna HealthFund HSA.
1. Visit your secure member website, Aetna Navigator,
to set up a one-time or recurring Electronic Funds
Transfer (EFT) from your checking account.
2. Contribute by mail using a personal check and deposit slip.
3. Roll
over funds from another HSA.
4. In addition, your employer may offer payroll deductions
to help you contribute on a pre-tax basis.
You may download the appropriate form at Aetna
Navigator. You may also call HSA Customer Service at the
phone number shown on the back of your HSA debit card.
Be sure to contribute to your account each year to
make the most of your Aetna HealthFund HSA. Use the
convenient online HSA savings tool on Aetna Navigator
to determine your maximum annual contribution. You can
contribute to an HSA for the current tax year until the
applicable tax return deadline for that year (typically April
15th of the following calendar year). Please consult your
tax advisor for guidance.
For more information regarding contribution amounts
and guidelines, see the IRS website at:
http://www.irs.gov/publications/p969/ar02.html
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� Check your account balance.
Most ATM operators will charge a
“surcharge” (typically between $1.00
and $3.00) for using their machine.
You will not incur a surcharge if you
use a Chase-owned ATM. Please
refer to your fee schedule for any ATM
transaction-related fees. Find the nearest
Chase ATM at www.chase.com.
� Setup email or text Alerts to monitor account activity.
Write a Check from Your HSA
Step 3: Access Your Account Online
Access and manage your HSA online at Aetna
Navigator anytime, day or night.
From Aetna Navigator you can easily and securely manage
your HSA whenever it is convenient for you. As primary
cardholder, you can:
� Send a payment to your doctor.
� Transfer funds from your personal account.
�D
ownload your statements.
� Use the expense tracker tool as you prepare for
tax season.
You can do all of this and so much more. Simply go to
Aetna Navigator to log in, click on the HSA link and begin
using the secure website to manage your account.
Step 4: Use Your HSA
There are several ways to use your HSA to pay
for qualified medical expenses.
Use Your HSA Debit Card at Retail Locations
ou can use your HSA debit card at doctors’ offices,
Y
pharmacies and other locations where debit cards are
accepted. Present your card at the time of check-out and
either provide your signature or PIN to make your purchase.
You can also use your card to make qualifying purchases
over the phone, on the Internet, or after you receive a bill
from your provider. You will need to provide your card
number and expiration date to complete the transaction.
Pay Bills Online
Use your HSA to pay your healthcare bills online.
Simply visit Aetna Navigator and enroll
in the Online Bill Payment Service.
You can set up your payees and
schedule one-time or repeating
payments in a few simple steps.
Please refer to your online fee
schedule for any applicable fees.
The Aetna HealthFund HSA also gives
you the option to use checks to access
your HSA funds. Check writing is subject to approval by
JPMorgan Chase Bank, N.A. Certain fees may apply for
check writing services. Please refer to your fee schedule.
What is the maximum amount I can contribute
to my HSA?
Every year, the IRS sets the amount you can contribute
to an HSA. You may then contribute up to the maximum
allowable annual amount. For 2012, the limits are
$3,100 if you have self–only HDHP coverage and
$6,250 if you have family HDHP coverage.* In addition,
if you or your spouse are age 55 or over, you can make
an additional “catch-up” contribution of $1,000 per
year. You can also use the HSA savings tool on Aetna
Navigator to help you determine your maximum annual
contribution. For more information regarding contribution
amounts and guidelines, see the IRS website at
http://www.irs.gov/publications/p969/ar02.html.
Aetna AutoDebitSM
What happens if I contribute too much to my HSA?
If you are eligible for Aetna AutoDebit, you can have
money withdrawn from your HSA automatically to pay
your healthcare providers. With AutoDebit, when your
health plan processes the claim, it will also deduct the
patient responsibility from your HSA. We will include
that amount in the payment to your provider. For more
information about Aetna AutoDebit, or to enroll in the
program, go to Aetna Navigator.
If you contribute too much to your HSA, you can
withdraw the excess contributions. You have until the tax
filing deadline (generally April 15 of the following year)
to withdraw the excess contributions. If you do not make
the request by the deadline, the IRS may impose a tax
penalty on the excess contributions. To withdraw excess
contributions from your HSA, use the Request for Return
of Excess HSA Contributions form. You can find this form
on Aetna Navigator.
Frequently Asked Questions
How can I monitor my account activity?
How do I know which expenses are qualified?
Monitor your HSA activity online through Aetna Navigator,
any time of the day or night. With just a few clicks, you
can check your balance, look at transaction activity or
download your account statements. You can also set
up the Online Account Alerts service to notify you when
certain activities occur.
Qualified medical expenses are expenses for medical
care, generally as described in detail in Section 213(d)
of the Internal Revenue Service Tax Code and IRS
Publication 502 (viewable at www.irs.gov), which have
not been compensated or reimbursed by insurance
or otherwise. Examples of qualified medical expenses
include medical fees and deductibles at doctors’ offices,
pharmacies, dentists, vision centers, medical labs and
much more — including many treatments and medical
supplies that traditional healthcare plans do not cover.
Visit Aetna Navigator, for general information about
qualified and non-qualified medical expenses. Use the
Medical Expense Tracker to help organize them online.
Make sure you keep your receipts so you can document
for the IRS the appropriate use of these funds.
Please review your account on a periodic basis. This will
help you to identify any possible fraudulent activity. If you
do see something suspicious on your account, you have
60 days from when the transaction appears in your online
or paper statement to report it. There are many online tools
to help you know exactly what is going on with your HSA. If
you have any questions call HSA Customer Service at the
number shown on the back of your HSA debit card.
If I forget my PIN or have general questions
about my HSA, whom should I call?
You can go online to Aetna Navigator to perform certain
services yourself. These include resetting your PIN,
designating a beneficiary, or requesting an additional
debit card. You can also find Frequently Asked Questions
under the Tools & Resources tab. Of course, you can call
HSA Customer Service at the phone number shown on
the back of your debit card for additional help.
continued on back panel
Use Your HSA Debit Card at an ATM
Use your HSA debit card at a participating ATM to
reimburse yourself for qualified medical expenses.
When using the ATM, by select CHECKING in the ATM
selection menu. You do not need any claim forms. You
should keep the receipts for your qualified medical
expenses for tax purposes.
* The maximum amount you can contribute may change based on your plan eligibility
throughout the year. Please consult your tax advisor.
3.5625"
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9/28/11 1:16 PM
BRC11602.indd
Creative Designation:
None
Last Save Date: 9-28-2011 12:41 PM
User Name: Stachecki, Ray
Station Name: WWIL124145
Job Info
Segment:
Fulfillment
Campaign:
AETNA
Cell:
None
WR #:
110121
Partner:
TSS
PremiumID: None
RPC:
None
Creative
Format ID:
CF07725
Component
Spec ID:
BRC-S07766
Campaign
Date:
None
Document Size:
Trim Width: 14”
Trim Height: 8.5”
Fold Position: 3.5625”, 7.125”, 10.625”
Folded Size: 3.5625” x 8.5”
Fonts & Images
Fonts:
Berthold Akzidenz Grotesk (Medium,
Regular, Bold, Medium Italic, Bold Italic,
Italic), ITC Zapf Dingbats (Medium),
Helvetica (Ultra Compressed), Helvetica
Neue (75 Bold)
Images:
A1039_bkgd_rCMY_3280884Sm.eps
(CMYK; 300 ppi; 100%)
A1039_bkgd_rCMY_2965078Sm.eps
(CMYK; 301 ppi, 299 ppi; 100%)
Inks:
Cyan
Magenta
Yellow
Black
FPO Tech Notes
Notes:
PID 99999937
Originating file: CS4583_Chase_HSA_
BRC_FNL.indd