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Health Saver Plans are High Deductible Health Plans, which allow participants to utilizer utilize Health Saver Accounts to save and pay for medical expenses. There are some aspects of HS plans that are different from traditional Preferred Provider Plans.  Since   HS plans are designed to be paired with a personal HSA debit account, allowing the employee to save funds each month for medical expenses.   The Health Saver Plans do not have co-pays for doctor visits or co-pays and discounts for prescriptions drugs. Participants pay 100 percent of medical and prescription drug claims until they've reached the plan's deductible (for some HS plans, the plan pays at the coinsurance level until and Out of Pocket Maximum is reached).  

Please be aware, the deductible is "aggregate"; this means the whole deductible  is applies to the whole family.  So, couples and families have to meet the entire combined deductible before they receive any coverage of insurance.  This applies to both medical visits and prescriptions.     If an employee has coverage with one or more dependents, the employee AND his or her dependents must meet the plan's FULL family deductible before any claims will be paid for anyone in the family, and then the family maximum out-of-pocket applies. 

Also, keep in mind, if an employee has individual-only coverage, he or she must meet the individual deductible before any claims will be paid by GuideStone, and then an individual maximum out-of-pocket may apply before claims will be paid at 100% (depending on the HS plan). If an employee has coverage with one or more dependents, the employee AND his or her dependents must meet the plan's FULL family deductible before any claims will be paid for anyone in the family, and then the family maximum out-of-pocket applies. 

The GuideStone HS Plan (HSA) offerings are growing more popular because they allow you to fund your medical expenses from your own personal tax-free Health Savings Account (HSA). Since introducing the HS 3000 plan in 2013, we have seen a steady migration of missionaries into this plan.  HSA-compatible plans typically cost 20 percent less than a low-deductible PPO plan.  Many of the ministries we connect with, like Pioneers and Wycliffe, are coming to the same conclusions and making similar HSA transitions.  

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• See Employer HSA Contributions

What Are Some Advantages of Having a Health Savings

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Accounts?

Triple Tax Savings:

• • Contributions made to the HSA debit account are tax-free
  • Earnings grow within the account tax free
  • Funds you use to pay for qualified health expenses are not taxed

Reliant will contribute to your HSA with each paycheck if you elect annually to make regular contributions.

You can take your personal HSA spending account with you if you leave employment with Reliant (you own it!).

You can invtest your money in mutual funds for more tax-free earnings (with $500 minimum account balance).

Use You can use your HSA debit card to pay for health expenses directly out of your HSA spending account.

How to Enroll

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and Open an HSA

• If you are a current missionary participating in Open Enrollment for 2017, fill out 2017 Open Enrollment Form for U.S. Missionaries. If you are a new missionary, fill out the cafeteria plan enrollment form. You need to fill out a new cafeteria enrollment form each year.
• Register on Highmark's website, www.highmarkbcbs.com, once you have received an email from Reliant confirming that you have been enrolled. 
• Set up HSA on www.highmarkbcbs.com. Instructions to set up HSA are at www.highmarkbcbs-hsa.com.
• Once you have requested for the HSA to be activated, send hr@reliant.org a screenshot of your request for HSA activation. Until Reliant receives notice of your HSA Debit Account activation, you are not able to receive any of your HSA contributions, neither the Employer portion, or the Employee portion. In order to guarantee that your first month's contribution is not lost, please send the activation by the 20th of the month.  If you are delayed, Reliant will help according to our capacity, but you may risk losing contributions to your HSA debit account. 
• You will receive a debit card to use for your HSA.
• HSAs may have up to 3 Debit Cards for dependents in addition to the policyholder's debit card.
  • Dependents must be at least 16 years’ old.
    • Requests may be made by phone or online.
  • • Highmark website (login as policyholder) > Spending > Debit Card > Dependents & Beneficiaries > GO>Debit Card > Order Debit Card.

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