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FOCUS ON BENEFITS 2020

Goodwill-Easter Seals Minnesota

How do I open an HSA? BE A SMART HEALTHCARE
CONSUMER!
• 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
effective date of medical coverage).

• 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. You have different care options to choose.
Gaining a better understanding of your options
How do I use the HSA to pay for medical care?
now can help you save both time and money
It is rather simple. Here are the steps: when you need to seek care. Options for
treatment include:
1. You or a dependent receives medical services.
Convenience Care, Online Care: Located inside
2. A bill for medical services is submitted as a claim to
of retail stores or online (such as
HealthPartners. virtuwell.com), visit these for common aliments
3. You receive an Explanation of Benefits for the service, which like strep throat, pink eye, bladder infection,
etc. Cost: $
will reflect the amount due to the provider.
Doctor’s Office: Staffed by doctor, PA and
4. At this time you can choose to:
nurses, visit this for care of illnesses, injuries,
• Use your HSA funds to pay the provider directly for the preventive care, etc.
amount due Cost: $$

• Pay the provider with personal funds and request Urgent Care Clinic: Staffed by doctor, PA and
reimbursement nurses, visit this for care of minor illnesses or
injuries that require immediate attention.
• Use personal funds and save your HSA dollars for future
Cost: $$$
medical expenses
Emergency Room: Located inside of a hospital,
5. For prescription medications you can pay directly at the visit this for serious illnesses, injuries or life-
pharmacy with your Associated Bank HSA debit card. threatening issues, such as, chest pains,
shortness of breath, burns, head injuries, etc.
Can I withdraw money from an HSA for nonmedical expenses? Cost: $$$$

Yes, but if you withdraw funds for nonmedical expenses before you
turn 65, you must pay taxes on the money and a 20% penalty. If you
take money out after you turn 65, you pay normal income taxes but
no penalties.

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