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Frequently Asked Questions

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titleAre the in-network doctors and facilities the same for all

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plans?

A: Yes.

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Yes. You can see more information about in-network providers on www.highmarkbcbs.com
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titleIs preventative care defined the same way in all the different plan options?

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 Yes.

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titleCan you roll over the savings in your HSA year after year?

A: Yes.

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Yes. Any contributions to your HSA are yours to keep to use for qualified medical expenses even should you exit employment with Reliant.
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titleWhat if your doctor bill is higher than the amount in your HSA?

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 You can either pay out of pocket and reimburse yourself later with your HSA account funds, or you can ask to be put on a payment plan with your doctor using your HSA for the payment.

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titleCan

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you deposit money into your HSA with personal deposits in addition to payroll deductions?

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Yes. You'll want to be aware of annual IRS maximums so that you don't exceed the allowed annual maximum. 

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titleWhat are the covered medical expenses that I can pay for using my HSA debit card?

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Any medical expense that is actually a medical expense. These include doctor visits, prescriptions, dental costs, vision costs, birth control, and any care that is prescribed by a doctor (you'll want to keep the note from the doctor in your records). Ultimately, allowed expenditures are guided by IRS regulations. Here is one accounting firm's detailed list: https://tax.thomsonreuters.com/hcet-ebia/hmrk. Be aware that you will need to keep receipts of your expenditures for your tax records.

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Can you reimburse an eligible medical expense from my HSA if I paid out of pocket for it?

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Yes.  See Filing a Reimbursement from your HSA for details about this process.  
Note
For more HSA answers, see www.highmarkbcbs-hsa.com or Guidestone HSA FAQs

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