Page 7 - Hitachi Benefit Guide February 2018

Medical Plans

Summary of Benefits and Coverage Health Savings Account - It’s as easy as 1-2-3!
(SBC) The opportunity to establish and contribute to a Health Savings Account
Health insurance issuers and group health plans are is available only when you elect the HSA Medical Plan option. It’s like a
required to provide you with an easy-to-understand personal, tax-free savings account for health care expenses that earns
summary about your health plan’s benefits and interest. Any unused money rolls over from year to year.
coverage, referred to as a Summary of Benefits and
Coverage (SBC). This guide is designed to help you Here’s an overview of how it works:
understand the medical plan options offered to you • You enroll in the HSA plan for Medical coverage and establish your
by Hitachi Solutions. Please refer to the SBC and
HSA with BNY Mellon Bank online. You will receive a Welcome Packet
carrier contracts for additional plan details.
via email with detailed instructions on how to administer your HSA.

Finding a Provider • You may elect to make contributions into your account up to IRS
Aetna: go to www.aetna.com or call (877) 204- maximums. In 2018, you may defer up to $3,450 for Team Member
coverage and up to $6,900 for family coverage. If you are age 55 or
9188 for PPO/HSA or (866) 529-2517 for HMO.
older, you are also permitted an additional catch-up contribution of
PPO/HSA participants should refer to the
®
Managed Choice POS (Open Access) network $1,000.
and HMO participants should refer to the HMO • You decide how to manage your money. The money in your HSA is
network when prompted. For RX, refer to the yours to save and spend on eligible health care expenses whenever
Aetna National Pharmacy Network. you need it, whether in 2018 or during a later year. You can use the
Kaiser: go to www.kp.org or call (800) 464-4000. funds in your account for qualifying out-of-pocket Medical, Dental and
Vision expenses such as deductibles, coinsurance and copays. Your
Member Access & Mobile App account balance earns interest and the unused balance rolls-over
from year to year. The money is yours to keep even if you leave
As a registered member, you can view claims, print Hitachi Solutions, no longer participate in a high deductible health
a temporary ID card, look up a network provider, plan (like the HSA Medical plan) or retire. You may continue to make
estimate costs and more! To download mobile app contributions to your HSA if you enroll in another qualified high
for Aetna text: 44040 or search Aetna mobile or deductible health plan or elect COBRA continuation coverage if your
Kaiser KP app. employment terminates.

• Price out drugs. Because you have to meet your plan deductible
Virtual Doctor? before health care and prescription drug benefits kick in, be aware of
Aetna Members Contact Teladoc the costs of your drugs. Provider costs vary greatly and you can
achieve significant savings with a little research at www.goodrx.com.
When a doctor’s office hour does not work for you,
This site will help you search for the lowest prices in your area.
don’t forget about Teladoc. The Teladoc service
allows you to video conference or call with a board
certified doctor. It’s all about convenience and it’s Keep in mind, you can change your HSA contribution amount at any time
specifically designed to treat common illnesses such during the year in Sterling Online System. Also, in order for an expense to
be paid through your HSA account, it must be opened and funded with at
as cold and flu symptom, allergies, sinus infections,
least one cent on the date the claim occurred.
etc.

• HMO: $20 Copay Important Tips:
• High Deductible HSA: $40 Copay • You must register at www.wageworks.com to set up your bank
• Silver PPO: $25 Copay account through BNY Mellon Bank, under Investment Options.
• Gold PPO: $20 Copay • If you do not set up a bank account, your contributions will not be
• Platinum PPO: $15 Copay deposited. WageWorks will actively notify you to set one up. If there
is no activity within 30 days, the account will be closed and
Contact 800-teladoc or download the app at
contributions will be returned on a post-tax basis.
www.teladoc.com/mobile/
• This is an individual bank account and adheres to IRS rules. It is the
Kaiser Members • employee’s responsibility to follow IRS rules.
You cannot enroll in the Health FSA if you are contributing to the
Telephone Appointments, After Hours Care, 24/7 HSA.
Advice Nurse: (800) 290-5000 • You may transfer funds from another bank by completing the
Video Appointment: kp.org/videoappointment Transfer of Assets Form.
Email Your Doc: www.kp.org • There may be a nominal banking fee paid directly by participants.

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