Page 3 - Rubrik 2022 FAQ

2022 U.S. Benefits Frequently Asked Questions (FAQs)

UMR HDHP Plan .................................................................. 11

Q. What is an Health Savings Account (HSA) Compatible High Deductible Health Plan (HDHP)?..................... 11
Q. How does an HDHP plan differ from any other health plan?....................................................... 11
Q. Do I have to pay for the full doctor’s office visit when I go to the doctor? .......................................... 11

Q. Will I be required to satisfy my deductible before the plan pays for my preventive care services? ................ 11
Q. Do I have to pay the full cost of my prescription under the HDHP?................................................ 11
Q. Does my deductible apply to my annual out‑of‑pocket expense? ................................................ 12
Q. How can I estimate my expenses for office visits and prescription medications? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Health Savings Account (HSA) ..................................................... 12
Q. What is a Health Savings Account (HSA)?......................................................................... 12
Q. What bank does Rubrik use for the HSA account, and how do I enroll in the HSA? ............................... 12

Q. When can I make contributions to my HSA? ...................................................................... 12
Q. What if I don’t pass verification for my HSA account? ............................................................. 13
Q. Who is eligible to open an HSA? .................................................................................. 13
Q. Who can make contributions to an HSA? ......................................................................... 13
Q. Is Rubrik contributing to HSAs? ................................................................................... 13
Q. When will Rubrik’s HSA contributions fund my account?.......................................................... 13
Q. How much can I contribute to my HSA?........................................................................... 13
Q. How can I contribute to my HSA? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Q. What are the tax advantages of owning an HSA? ................................................................. 14
Q. What is considered a qualified medical expense? ................................................................ 14
Q. Do I need to submit documentation for HSA transactions or distributions?........................................ 14
Q. Does the money I have in my HSA roll over from year to year? .................................................... 14
Q. Can I use the money in my HSA to pay for my spouse or children’s expenses even if they are not enrolled under
my medical plan?................................................................................................. 14
Q. Can I use the money in my HSA to pay for my domestic partner’s expenses? ..................................... 14
Q. Can my domestic partner enrolled in the Rubrik HDHP establish their own HSA to pay for qualified expenses?... 14
Q. Can I roll money from my existing HSA (from a different employer plan) into my Rubrik HSA?..................... 15
Q. Can I roll money from an IRA into my Rubrik HSA? ................................................................ 15
Q. Can I invest the funds in my HSA? ................................................................................ 15
Q. Is there someone who can assist me with my questions related to investments at HSA Bank?.................... 15
Q. What are my options for investing my HSA Funds? ............................................................... 15
Q. What happens to the money in my HSA if I leave my job or retire? ................................................ 15
Q. What happens to my HSA if I move to another Rubrik plan e.g. PPO at the next Open Enrollment period? ........ 15

Q. Can I participate in the Health Care FSA if I am also enrolled in the HDHP? ....................................... 15

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