Page 7 - Hitachi Benefit Guide 1.31.2019

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 Avidia online. You will receive a Welcome Packet via email
carrier contracts for additional plan details.
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 2019, you may defer up to $3,500 for Team Member
coverage and up to $7,000 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 2019 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 Keep in mind, you can change your HSA contribution amount at any time
certified doctor. It’s all about convenience and it’s during the year in Sterling Online System.

specifically designed to treat common illnesses such Because you are responsible for paying the full plan deductible before
as cold and flu symptom, allergies, sinus infections, Aetna pays any benefits, including prescription drugs, it is helpful to set
etc. aside pre-tax dollars to help pay for future unexpected expenses.

• HMO: $20 Copay
• High Deductible HSA: $40 Copay Important Tips:
• Silver PPO: $25 Copay • You will be notified via a welcome email once your enrollment has been
• Gold PPO: $20 Copay processed and your bank account is opened.
• Platinum PPO: $15 Copay • Included in your welcome email will be instructions on how to create an
account online at www.goigoe.com.
Contact 800-teladoc or download the app at • A secondary ID check may be required. If you do not submit required
www.teladoc.com/mobile/ documentation within 2 weeks, your bank account will be closed.
• This is an individual bank account and adheres to IRS rules. It is your
Kaiser Members • responsibility to follow IRS rules.
You cannot enroll in the Health FSA if you are contributing to the HSA.
Telephone Appointments, After Hours Care, 24/7 • You may transfer funds from another bank to Igoe by clicking on the link
Advice Nurse: (800) 290-5000 below (you will need your new Igoe HSA number before requesting the
Video Appointment: kp.org/videoappointment transfer): https://avidiabank.echosign.com/public/hostedForm?
Email Your Doc: www.kp.org formid=A6R4LFH3JXW2QL
• There may be a nominal banking fee paid directly by participants.
• You have to satisfy the full plan deductible before Aetna pays any benefits.
• The HSA is not available if you are enrolled in Medicare.
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