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FOCUS ON BENEFITS 2022
Goodwill-Easter Seals Minnesota
How do I open an HSA?
• GESMN partners with Associated Bank for its employee and
employer HSA contributions.
• Contributions can be deposited to employee accounts the pay
period after the employee opens the account (and after the BE A SMART HEALTHCARE
effective date of medical coverage). CONSUMER!
• Log on to https://client.hsaplus.associatedbank.com/login.aspx
• Insert employer code: ABK-CV0433
• Click “Get Started” to begin the online enrollment
process.
• Complete the enrollment and GESMN benefits will be
notified of new accounts opened.
How do I use the HSA to pay for medical care?
It is simple. Here are the steps:
1. You or a dependent receives medical services. You have different care options to choose.
2. A bill for medical services is submitted as a claim to Gaining a better understanding of your options
HealthPartners. now can help you save both time and money
when you need to seek care. Options for
3. You receive an explanation of benefits for the service, which treatment include:
will reflect the amount due to the provider. Nice Healthcare, convenience care, online
4. At this time, you can choose to: care: Located inside of retail stores or online
• Use your HSA funds to pay the provider directly for the (such as virtuwell.com), visit these for common
amount due. aliments like strep throat, pink eye, bladder
infection, etc. Cost: $
• Pay the provider with personal funds and request Doctor’s office: Staffed by doctor, PA and
reimbursement. nurses, visit this for care of illnesses, injuries,
• Use personal funds and save your HSA dollars for future preventive care, etc.
medical expenses. Cost: $$
5. For prescription medications you can pay directly at the Urgent care clinic: Staffed by doctor, PA and
nurses, visit this for care of minor illnesses or
pharmacy with your Associated Bank HSA debit card. injuries that require immediate attention.
Can I withdraw money from an HSA for nonmedical expenses? Cost: $$$
Emergency Room: Located inside of a hospital,
Yes, but if you withdraw funds for nonmedical expenses before you visit this for serious illnesses, injuries or life-
turn 65, you must pay taxes on the money and a 20% penalty. If you threatening issues, such as, chest pains,
take money out after you turn 65, you pay normal income taxes but shortness of breath, burns, head injuries, etc.
no penalties. Cost: $$$$
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