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Ohio Health Insurance 

Leading Ohio Health Insurance Agency specializing in Individual and Family Health Insurance in Ohio.

 

 
 
Tags:  Ohio health insurance  Ohio health plans  Ohio life and health insurance  ohio family health insurance  ohio health insurance plans 
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Published:  September 29, 2010
 
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One Source Benefits is an Ohio health insurance agency which offers affordable and comprehensive Ohio Individual Health Insurance plans. Watch the slides to know more.
 
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One Source Benefits is an Ohio health insurance agency specializing in all of your health insurance needs. It offers affordable and comprehensive health insurance plans with free instant online quotes. See the slide to know more.
 
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Slide 1: SM What is a HSA ? High Deductible PPO Health Plan + Health Savings Account (HSA)* PPO – Preferred Provider Organization *Funds are earmarked for eligible medical expenses. Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 2: What is a HSA ? SM High – Deductible PPO Health Plan Similar to a traditional PPO, except:  High deductible (required by the federal government)  No co-payments  You pay 100% of health care & prescription costs until you meet your deductible. Health – Savings Account (HSA) Tax-free savings account for medical expenses  Contribute money tax-free  Use money to pay for medical expenses tax-free  Earn interest over time tax-free! Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 3: Why Offer a HSA ? SM  HSA can help control rising health care costs: – – – Consumer driven health care plans Lower premiums More informed health care decisions  HSA provides more options managing your health care: – – You control how to use funds You can use funds now or save them for future expenses Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 4: How is an HSA different from your current plan? Similar to your current plan Different from current plan • Choice of doctors • Large network of providers • Out-of-network benefits option • Access to specialists with no • High deductible – required by referrals* • Provider discounts = big savings • Nationwide, worldwide coverage federal government • Health savings account to pay for health care services • No co-payments for services: you pay 100% until you meet your deductible * Referrals may be needed for mental health and substance abuse services. Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 5: How does an HSA work? Before you reach your deductible After you reach your deductible • You pay 100% of your health care and prescription drug expenses • In-network preventive care is covered, without paying your deductible amount first: – Annual physical exams, wellbaby care, mammograms, etc. • Your plan pays a percentage of or all of your additional health care expenses After you reach your deductible • Most plans pay 100% of all covered expenses for the rest of the plan year Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 6: How does the HSA work? You, your employer, or anyone can contribute to the HSA – tax-free! HSA checkbook and debit card from your local bank Use for medical expenses at doctor’s office, pharmacy, etc. 2010 Annual Contribution Limit:  $3,050 individual  $6,150 family When you use your HSA to pay for qualified medical expenses, the money comes out tax-free! If you don’t use your HSA money, you don’t lose it! The fund grows - tax-free! Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 7: How should I contribute to my HSA?  You – – have many options: Contribute through payroll deduction, tax-free Contribute on your own and deduct them on your tax return Contribute quarterly or monthly  Contribute the maximum at the beginning of the year  Contribute throughout the year, as you can   Your – – – 2010 contribution limits: $3,050 per year for employee only $6,150 per year for family coverage $1,000 per year catch-up contribution (55 or older by 12/31/10) Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 8: Using HSA Funds Eligible medical expenses: – – – – – – – – Deductible and coinsurance amounts Medical procedures Prescription drugs Visits to your doctor Eyeglasses, contact lenses Laser eye surgery Hearing aids Bandages Visit www.irs.gov/pub/irs-pdf/p502.pdf for guidance. Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 9: Covered Preventive Care Services* Preventive services covered without having to meet your deductible: • Well baby and well child care • Routine physicals • Routine Screening tests (adult and child) • Immunizations (adult and child) • Mammograms and Pap Smears • Colonoscopies * Specific guidelines apply to these benefits. Check your Member Guide for a complete list of covered preventive care services. Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 10: How are prescription drugs paid? Prescription drugs covered just like medical benefits: • Before you meet your deductible, you: – – Pay 100% of the cost of your prescription drugs (discounted rates) Use your HSA checkbook or debit card at pharmacy –The plan pays 100% of all covered prescription drug expenses • Once you reach your deductible: Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 11: How does HSA work for families?  Aggregate deductible: – – – All covered expenses count toward a single deductible for the entire family If you reach that deductible, you pay just a percentage of covered health care expenses Your plan pays the rest! Note: Aggregate deductible applies to all coverage tiers except employee only. Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 12: How do I manage my HSA account?  My  It’s HSA Account tool easy and all online Claims information Summary information for tax purposes – Fund balance and transactions – –  Log on to the Member Services area of your local HSA vendor Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 13: What happens to your HSA down the road?  Balance of $1,500? You can invest amounts as low as $1*  Your HSA is portable - it’s yours!  At – retirement, continue to use HSA funds for qualified medical expenses, tax-free Or use the funds for non-medical expenses and incur the tax * Please see your HSA handbook for details. Toll Free: 1 (877) 549-1212 www.onesourcebenefits.com
Slide 14: Thank You! www.onesourcebenefits.com Toll Free: 1 (877) 549-1212 © 2010 One Source Benefits. All rights reserved.

   
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