UnitedHealthcare Health Reimbursement Account (HRA)

UnitedHealthcare HRA

UnitedHealthcare Health Reimbursement Account (HRA)

Engaging Employees in their Health Care Spending

The UnitedHealthcare Health Reimbursement Account (HRA) is a flexible, individual account that is used to pay for qualified medical expenses not covered by the health plan. An HRA encourages positive health choices, individual accountability and lower benefit expenses.

What makes this plan different: The employer owns and funds the HRA. The employer decides if unused funds carry over to the next year. The account is not portable between employers.

Typical Employer Size:

2-2,999

employees

Delivering on What You Value Most

You Value: Encouraging employees to be as healthy as possible

Employee health and wellness resources

Benefit management tools Access to a wide range of employer administrative and communication solutions Reduced employment tax payments

UnitedHealthcare HRA Offers:

UnitedHealthcare Health Reimbursement Account

Your Health Plan and the HRA

The UnitedHealthcare HRA is paired with a health plan. Together, they encourage employees to become actively involved in their health care choices.

Health Plan

Health

Different HRAs for Different Needs

UnitedHealthcare offers a choice of HRA types to meet a variety of health and financial needs.

Split Deductible

Requires that each year the employee pay a set amount of their deductible out of pocket before the HRA becomes active

Shared

50% of each claim is paid by the HRA and 50% is paid by the employee

HRA with Retiree Savings

Pairs a Shared HRA with a Retiree Reimbursement Account (RRA) giving employers a retiree option where unused HRA balances are allocated to the employee's RRA

A Tax-Advantaged Account

Employees

Use HRA funds to offset unexpected or high dollar medical services

Employers

Can fund employee HRAs to reduce employer's taxable income and lower employment tax payments

The UnitedHealthcare plan with Health Reimbursement Account (HRA) combines the flexibility of a medical benefit plan with an employer-funded reimbursement account.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

10/13 ?2013 United HealthCare Services, Inc. Employer/Broker HRA ? Product brochure

UHCEX653876-000

UnitedHealthcare HSA

UnitedHealthcare Health Savings Account (HSA)

Changing Consumer Behavior and Containing Benefit Expenses The UnitedHealthcare Health Savings Account (HSA) is a flexible, individual account employees use to pay for qualified medical expenses not covered by their high deductible health plan. The account is designed to increase employee ownership of health care expenses.

What makes an HSA different: The employer and the employee can contribute to the HSA. The employee owns the account and decides how and when to use the HSA balance. Unused funds carry over to the next year and the account is portable between employers.

Typical Employer Size:

2-2,999

employees

Delivering on What You Value Most

You Value:

Encouraging employees to be as healthy as possible Employee health and wellness resources

Benefit management tools

Access to a wide range of employer administrative and communication solutions Lower premiums

A tax-advantaged health savings account for employees A non-forfeitable savings account that is portable between employers Reduced employment tax payments

UnitedHealthcare HSA Offers:

Optum BankSM: The National Leader in HSA Banking

Optum BankSM, Member FDIC, is UnitedHealthcare's preferred health care bank and the national leader in HSA banking. Plus, only Optum Bank offers the convenience of banking through the health plan website, ?. With Optum Bank, employees have consolidated access to information on their health plan, financial accounts and health and wellness resources.

UnitedHealthcare HSA

Your Health Plan and the HSA

The UnitedHealthcare HSA is paired with a high deductible health plan. Together, they encourage employees to become actively involved in their health care choices.

Health Savings Account (HSA)

High Deductible

Health Plan

A Tax-Advantaged Account

Employees

Never pay income taxes on deposits1

Can lower their overall taxable income by setting aside pre-tax earnings

Reduce their annual taxes

Employers

Can fund employee HSAs to reduce

employer's taxable income and lower

employment tax payments

How it Works

You deposit a predetermined amount into each employee's HSA

Employees deposit their own funds into the account*

Employees decide how and when to use their HSA balances for qualified medical expenses

*Contributions can be made up to the annual limits set by the Internal Revenue Service.

Unused funds carry over to the next year

Why UnitedHealthcare?

}} Industry leader in consumer driven health plans, with more than 38,000 customers and 4.7 million members }} Flexible HSA that is easy to implement and administer }} Convenience of banking with the national leader in HSA banking, Optum Bank, through }} Employer support with robust tools that simplify benefit management }} Employee access to health and wellness resources designed to help them live healthier and make the most of

their health care dollars

The UnitedHealthcare plan with Health Savings Account (HSA) is a high deductible health plan (HDHP) that is designed to comply with IRS requirements so eligible enrollees may open a Health Savings Account (HSA) with a bank of their choice or through Optum Bank, Member of FDIC. The HSA refers only and specifically to the Health Savings Account that is provided in conjunction with a particular bank, such as Optum Bank, and not to the associated HDHP. 1Eligible HSA contributions are taxed by these states: Alabama, California and New Jersey



Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

10/13 ?2013 United HealthCare Services, Inc. Employer/Broker Choice Plus - Product Brochure

UHCEX653873-000

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