How Health Savings Accounts
Work For Employees

Health Savings ACCOUNT
(Cash Account)

Employer provides a Health Savings Account to be used for routine health care. The cash account covers normal medical care plus medical services that traditional group health care plans don't cover:

• Dental
• Vision
• Chiropractic
• Psychological
• Acupuncture

HSA provides first-dollar benefits.

Employee keeps any unused money left in HSA at year's end.

MAJOR MEDICAL PLAN

• Employee pays for a low cost Major Medical with a higher deductible. (This replaces the cost-sharing the employee is currently paying.)
• HSA funds are used for expenses that are below the deductible.
• When HSA funds are used up and the deductible is met, Major Medical kicks in.
• Major Medical provides a lifetime maximum of $2 million per covered person.