U.S. Bank Wellbeing Funds Arrangement SM.


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U.S. Bank Wellbeing Reserve funds Arrangement SM Outline – HSA What is a Wellbeing Investment account? What is the U.S. Bank Wellbeing Reserve funds Arrangement? How would I enlist in the U.S. Bank Wellbeing Investment funds Arrangement? How would I make commitments to my HSA? How would I utilize my HSA reserves?
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U.S. Bank Health Savings Solution SM

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Overview – HSA What is a Health Savings Account? What is the U.S. Bank Health Savings Solution? How would I enlist in the U.S. Bank Health Savings Solution? How would I make commitments to my HSA? How would I utilize my HSA stores? How would I settle on educated choices about my wellbeing and medicinal services costs? Secret - 2006 U.S. Bancorp

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What is a Health Savings Account? Assessment advantaged bank account Make commitments on a pre-charge or after-duty premise Spend reserves for Qualified Medical Expenses (QME) or for general costs in retirement* Funds spent on QME are not exhausted Funds spent for non-QME in retirement are liable to consistent wage charge You are just qualified to add to a HSA on the off chance that you are selected in a qualified High Deductible Health Plan (HDHP) *See IRS Publication 502 for a complete rundown of qualified costs (Qualified Medical Expenses). The rundown may be found on www.irs.gov. Private - 2006 U.S. Bancorp

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U.S. Bank Reputation and Commitment to Service Reputation sixth biggest money related administrations holding organization in the U.S. $207 billion in resources (3Q 2005) 13.3 million clients (3Q 2005) second most regarded money related administrations organization in the nation and 50th most regarded organization on the planet (Barron’s Survey September 2005) Customer Service Education materials and as often as possible made inquiries to assist you with getting comfortable with your new record Easy-to-utilize enlistment choices and commitment devices Service insurance and thorough web and telephone bolster Confidential - 2006 U.S. Bancorp

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What is the U.S. Bank Health Savings Solution? Enthusiasm bearing FDIC-safeguarded store account Visaâ® Debit Cards and HSA checks Real-time exchange handling Investment Options (20 Mutual Funds)* Mutual trusts from First American Funds and Fidelity Advisor Funds Account equalization over $2500 may be contributed (programmed range accessible) Deposit and speculation records are flawlessly coordinated Monthly articulations and yearly IRS reporting are given (electronically or paper) Web webpage and Interactive Voice Response (IVR) for record parity/history and exchange administration Customer Service line (877-HSA-6789) Monday through Friday 8 a.m. to 7 p.m. (CST) "Mutual trust contributing includes hazard; important misfortune is conceivable. Putting resources into specific stores includes uncommon dangers. Past execution is no insurance of future results. If it\'s not too much trouble read the trust outline before contributing. Counsel a venture counselor for speculation exhortation. NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE " Confidential - 2006 U.S. Bancorp

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How would I select in the U.S. Bank Health Savings Solution? Enlist in a High Deductible Health Plan (HDHP) Complete the U.S. Bank Health Savings Solution application Designate recipient Sign the application Return marked application in pre-paid envelope Your Health Savings Solution Welcome Kit will be sent to you in 7-10 business days. The unit will include: HSA checks Deposit coupons Visa charge card(s) (sent independently) Information on site and client bolster Confidential - 2006 U.S. Bancorp

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How would I make commitments to my HSA? Contribute on a pre-charge premise Contributions are made through your business by means of finance finding Contribute on an after-expense premise Use U.S. Bank HSA store coupons Use U.S. Bank HSA eContribute device (online) Deduct commitments from assessable wage when documenting expense form Contribution limits (2006): Single Coverage - Can contribute up to the measure of the HDHP deductible or $2700, whichever is less Family Coverage - Can contribute up to the measure of the HDHP deductible or $5450, whichever is less Confidential - 2006 U.S. Bancorp

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How would I utilize my HSA Funds? Specialist/Hospital Visit (Typical utilization) Visit a specialist/doctor\'s facility Doctor submits case to protection transporter Carrier settles assert and sends you your Explanation of Benefits (EOB) Write the plastic data on your supplier charge or compose a check to pay the sum you are in charge of Pharmacy Visit a drug store Request remedy or over-the-counter solution Swipe your HSA Visa platinum card to pay Confidential - 2006 U.S. Bancorp

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How would I settle on savvy choices about my wellbeing and social insurance costs? Subimo ® Coverage Advisor TM Benefits Helps you figure out whether the HDHP and HSA are ideal for you Easy-to-utilize How it functions User makes altered family wellbeing profiles Advisor gauges medicinal services needs and expenses Comparison apparatus appraisals out-of-pocket expenses for up to three wellbeing arrangements Calculator gauges HSA reserve funds projections and thinks about them for distinctive arrangement alternatives Subimo ® Healthcare Advisor TM Benefits Helps client settle on educated choices for better wellbeing Data depends on a vast cases database (Pharmetrics) Easy-to-utilize How it meets expectations? Client turns upward particular wellbeing subjects Advisor gives data on wellbeing conditions and systems, treatment alternatives, regularly endorsed medications and expenses Users may think about experience and notoriety of doctor\'s facilities in their area Confidential - 2006 U.S. Bancorp

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Dedicated to Serving You Web data and record access http://healthsavings.usbank.com IVR (all day, every day) 1-877-HSA-6789 Customer Service Monday through Friday 8 a.m. to 7 p.m. (CST) – 1-877-HSA-6789 Confidential - 2006 U.S. Bancorp .:tslidesep.

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