HSA (Health Savings Account) FAQ

How does an HSA Work (available only on the HDHP)?

You contribute money to the HSA (either a lump sum payment or monthly through payroll deductions). You can use HSA dollars to pay your health insurance deductible, along with other qualified medical expenses such as dental or vision services. Once you meet your deductible, your insurance pays additional covered expenses in accordance with our plan.

What are qualified medical expenses?

Qualified medical expenses include:

• Most medical care expenses (deductibles, coinsurance, doctors visits, etc.)

• Prescription drugs

• Over-the-counter drugs, with prescription

• Insulin

• Dental or vision care

• Some insurance premiums

  • Health insurance premiums wile receiving unemployment benefits

  • Qualified long-term care premiums

  • Any health insurance premiums paid (other than for a Medicare supplement policy) by individuals age 65 and over

Are there any medical expenses that can not be paid with my HSA?

The following medical expenses cannot be reimbursed from HSA tax-free:

• Most insurance premiums

• Over-the-counter drugs without a prescription (except insulin)

• General health items (example: hand sanitizer, toiletries)

• Most cosmetic surgery or cosmetic procedures

• Expenses covered by another health plan

• Expenses incurred before HSA was established

Are there limits to my HSA contributions?

Yes!  The IRS sets limits each year for HSA contributions.  See our Benefits Summary for the current contribution limits.  If you’re 55 or older anytime during the plan year, you’ll continue to be able to contribute an additional $1,000 catch-up contribution.

What is Garner and how do I use it with my HSA?

View this page that has all the details you'll need to use and maximize your Garner benefits.