Health Savings Account - FAQ I have my first medical appointment - - PDF document

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Health Savings Account - FAQ

I have my first medical appointment since enrolling in this plan, what do I give the provider?  Present your Blue Cross identification card to the medical provider/pharmacy at time of service.  Network providers will submit billing directly to Blue Cross. No payment should be given at time of service. Wait for receipt of the BCBS Summary of Health Plan Payment of the visit before making payment. (See Page 3 – How do I pay the balance due……)  Out-of-Network providers should bill Blue Cross directly. Some may require payment at time of

• service. If this is the case you will file the claim with Blue Cross by attaching an itemized invoice to

a Subscriber Submit Claim Form. Pay by check, regular credit card, or cash. Do not use your WW Card. If you pay using your WageWorks Card, and Blue Cross pays all or a portion of that bill, you will have to reimburse your Health Savings Account the Blue Cross payment amount or those funds will be taxable.  When purchasing prescriptions use your WageWorks card as a credit card as long as you have the funds in your account to cover the charges. When the doctor files my claim with Blue Cross, will the unpaid deductible or balance be automatically sent to WageWorks for payment from my personal Health Savings Account? 

• No. Blue Cross and WageWorks are two separate companies.

 Blue Cross will send you a Summary of Health Plan Payment showing your payment responsibility for services provided.  You will need to coordinate payment to the medical provider via your WageWorks account at www.wageworks.com. Additional information on how to request distribution is listed below. When should I use my WageWorks card? Use your card immediately, if you have the funds available, for:  Prescription Payments (save receipt)  Over-the-counter items approved by the IRS (save receipt) . List can be found at www.WageWorks.com under the login box.  Under the Affordable Care Act, OTC drugs, medicines, and biologicals will continue to be eligible for reimbursement as long as the request is accompanied by a doctor’s prescription. This means items such as cough medicines, pain relievers, allergy medications, and acid controllers, to name a few, will now require a doctor’s prescription. This does not include insulin.

• Bring your prescription form to the pharmacy. They may run it through their system and

you may be able to pay at the pharmacy using your WW card, or,

• A claim form must be submitted, along with the doctor’s prescription, for reimbursement

from your Health Savings Account. Claim forms are on the login page at www.wageworks.com. You can file the claim on-line with WageWorks.  Co-pays for “Emergency” room visits  Co-pays AFTER you have met your annual deductible per the BCBS Summary of Health Plan Payment.  All other medical care should be processed through Blue Cross before you use the WageWorks card.

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Is my WageWorks Visa card a Debit or Credit card?  Although it states on the card that it is a “Debit” it must be used as a “Credit” card. You may need to advise the vendor to process as credit. Who are qualified family members for use of my Health Savings distributions?  Eligible dependents include anyone covered by your medical plan who the IRS recognizes as a dependent. How do I request an additional card or report a lost or stolen card?  Go on line to www.wageworks.com  Enter your User Name and Password  Click on the Card Center tab  Click on Order Dependent Card or/  Click on the Lost/Stolen  Follow the directions. Why should I wait to pay my Provider?  In-Network Providers have contracted with Blue Cross to receive a “negotiated discount” fee for certain services.  The original claim from your Provider to Blue Cross may have a higher service cost which Blue Cross will deny. The negotiated discount is the amount Blue Cross will apply toward your deductible or pay to the provider and is the amount allowed you will see on the Summary of Health Plan Payment from Blue Cross. I went to an Out-of-Network Provider – how do I pay the bill?  Some Out-of-Network Providers will submit an invoice to Blue Cross. If this is the case, see “Why should I wait to pay my Provider” above.  If the Out-of-Network Provider refuses to submit the invoice to Blue Cross, the Provider may request payment immediately. You should pay the Provider by personal check, regular credit card, or cash – do not use your WageWorks card. However you pay the Out-of-Network Provider, request an itemized invoice including the amount paid or balance due.  If the Out-of-Network Provider refused to submit the claim, go online to www.bluecrossma.com and print a Subscriber Submit Claim form listed under the log in box. It is also on the Locke Lord HR Benefits site.  Complete the form, attach the Provider’s invoice, and mail or fax to Blue Cross per the instructions on the claim form so BCBS can pay the invoice or add the allowed payment to your deductible.  Wait until you receive the Summary of Health Plan Payment from Blue Cross to see what your actual balance would have been to this Provider and then go on-line to your WageWorks account and request that amount of money if you have it available. You cannot request any amount Blue Cross paid to you or to the Provider; if you do, that amount is considered “taxable” by the IRS.

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How do I know when my plan year deductible has been met and how do I view my claims?  Contact Blue Cross customer service via the 800# listed on your ID card or,  Go online to www.bluecrossma.com and set up your account.  First time Users will click on “Create an Account” in upper right corner of the page. Answer all the questions and set up a password.  Enter your User ID and Password  Click on “Review My Deductible and Co-Insurance”.  If you want to “View My Claims” immediately, click on it and you will have to answer a series of security questions.  If you do not choose to “view my claims’, you will receive a ‘PIN” number in the mail at your home from BCBS that will give you access to the claims. Upon receipt, go into your account and enter the new “PIN” number one time only and you will be able to view your claims going forward. Because

• f the Privacy Laws (HIPAA), each family member 18 or older will have to register separately to

review their claims.  Complete Member/Date Search. Click continue on the following page.  On the next page click on “HCBO.com” in the middle of the page. This will bring you to the National Account website where your claims can be viewed.  You can print Claim Summaries and your Prescriptions. Make sure to “close” each window after printing. How do I pay the balance due listed on the Summary of Health Plan Payment form from Blue Cross? And what happens if I have a medical expense greater than my HSA/Investment account available balance? (Investment Account information listed below) If you have the funds available in your WageWorks Health Savings account, you will:  Go to www.wageworks.com  Enter your ID and Password  Click on Dashboard  Click on Submit Receipt or Claim (NEVER click on “Pay Me Back Option” that is for the FSA Group.)  If you choose HSA Withdrawal Pay Me you can request that WageWorks send you a check/direct deposit directly by completing the information requested and submitting.  You can choose Health Care Claim Pay My Provider. This is a great way of tracking your annual distributions for tax purposes. Upon receipt of your Provider’s invoice, compare the balance due on the invoice with the BCBS Summary of Health Plan Payment to ensure you are being charged the correct amount. Using the Provider’s invoice, enter the Provider’s information into WageWorks to have them send the payment directly to the Provider. At the end of the calendar year, you can print a summary of all payments made to the Providers to include with your BCBS Claim Summaries and tax return for that year. If you are audited by the IRS, you will be required to prove the insurance balance due and the payment made from your Health Savings Account are identical.  You can also pay for “recurring expenses”, like adjusting braces or allergy injections. Contact the Member Services number on your WageWorks card for instructions.  Note: If you use the Pay My Provider/Pay Me methods, WageWorks will pay out only the available dollars and no more. If there is a balance due, you will have to request the additional reimbursement when there are more available funds in your account.

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Do I have to keep my receipts?  You must save the actual receipts, and Summary of Health Plan Payment forms, for all your health savings account transactions. Even when you use your card as payment, a detailed receipt will still be needed as back-up if audited by the IRS. This includes Over-the-Counter purchases. Is there a deadline for filing claims for distribution from my Health Savings account?  No, submit them when you are ready for reimbursement. Health Savings Account balances carryover from one plan year to the next. Can I view the reimbursement information in my WageWorks account?  Click on Dashboard  Click inside the large Health Savings Account rectangular box  Your reimbursements will appear and can be printed from this screen Accessing other tabs:  Click on Dashboard  Click inside the large Health Savings Account rectangular box You will see the following tabs:  Account Statement Tab – shows claims and current balance  About This Program – information about an HSA  Program Options – Gives you the option to set up either ‘spend it’ via on line or card anytime, or ‘save it’, which is all you can do until you switch to ‘spend it’.  Eligible Expense List – IRS approved list of items/services you can use/obtain with your HSA funds.  Eligible Dependent List – IRS approved list of which dependents you can spend your HSA funds on.  Submit Claim or Receipt – Already covered. Will I receive statements from WageWorks?  Yes, every quarter WageWorks will send or email a statement, even if you did not withdraw funds from your account. The email will give you directions on how to access your statements on line. Income Tax Forms  You will be required by the IRS to report your total contributions, as well as any distributions from your account, on your federal income tax return.  WageWorks/BNY Mellon Bank will send you the required tax Form 1099-SA, which will have the total

• f your Health Savings distributions for the prior calendar year. You will receive this in January –

early February.  Locke Lord will include on your W-2 (K-1 for Partners) your payroll contributions, as well as any Firm contributions, made to your Health Savings account for that calendar year.  In May you will receive Form 5498-SA from WageWorks/BNY Mellon Bank showing the amount you and/or Locke Lord contributed to your account for the prior tax year. This form is “information only” and should be kept with the tax return you filed for that calendar year in case you are audited by the IRS.  For more information about taxes and your Health Savings Account, speak with your personal accountant, or visit the U.S. Treasury Department’s website at: www.ustreas.gov/offices/public- affairs/hsa.

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At the end of the plan year (June 30th), what happens to the funds I do not use?  Money you do not spend carries over year to year. Your balance has the potential to grow tax-free, depending on your investment earnings, if you are investing the funds. There is no use-it-or-lose-it requirement, and you can continue to withdraw from your account until you have used up all of your savings, even after you retire. WageWorks will charge a low maintenance fee if you are no longer employed by Locke Lord. When can I invest my unused Health Savings contributions in the Mutual Funds?  Once you have a minimum balance in your Health Savings Account of $1,100, you can transfer $1,000 (minimum deposit to open a Mutual Funds account) into a variety of Mutual Funds.  You must leave a minimum of $100 in your Health Savings account.  You will also need to coordinate the transfer of money back into the Health Savings account to cover any medical expenses as payments can not be made from the Mutual Funds.  You can manage your Mutual Funds like an IRA or 401(k). How do I navigate to the BNY website?  Log in to www.wageworks.com, using your ID and Password  Click on the Health Savings Account Rectangle  Select Investment Options  Click OK to access the banking site. What can I see/do on the BNY website?  Account Summary Tab

• View Personal Information, Account Number, Current HSA Balance, Investment Assets if elected.
• Online Statements - Access list of Quarterly Statements to view/print.
• Transaction History – View a list of all posted transactions (This is where you can go to print the

annual tax year transactions and file with your tax return.)

• Tax Forms – Copies of 1099-SA and 5498-SA that can be viewed/printed.

 Manage Funds Tab

• One Time Contributions – Not allowed.
• Allocate Contributions – You can elect to transfer $1,000 of your HSA savings, or more, to be

invested in Mutual Funds. If you later needed these funds for medical bills, you can transfer back to the HSA liquid account.

• Reallocate Funds – Transfer balances or select different funds for future contributions.

 Update Profile Tab

• Beneficiaries – To view current election and/or make changes.
• Link Bank Account - This feature is not available.
• Statement Options – Select to receive statements via hard copy or email.

 Resource Center Tab – Forms Library Make sure to “SIGN OFF” to leave the BNY site in the upper right hand corner. This will bring you back to the WageWorks site.

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How do I change my personal information?  Click on “Profile” upper right on the WageWorks website.  Contact Information to change your email address, home address, telephone number.  Reimbursement Method to receive reimbursements via check or direct deposit.  Claim Notices to elect to receive notices via email.  Change Username or Password WageWorks Website Wellness Program The Resource Center Tab on the WageWorks side of your account will bring you to the Wellness

• program. Please take a look at this impressive site.

Mobile Access to your WageWorks Account To access the mobile website, just point your mobile browser to www.wageworks.com. Once there, you will be able to access account information for all your available WageWorks accounts. Within it you can check balances, review account alerts and access help information. Who do I contact if I have questions?  At Locke Lord, Contact Beverly Thibeault at 401-276-6504, or x6504, or the HR Help Line at x7670. Email addresses are beverly.thibeault@lockelord.com and HRHotline@lockelord.com  At WageWorks, call Customer Service at 1-877-924-3967 Monday through Friday 8:00 am to 8:00 pm.