Headline: Deductible Plans

Managing your HSA


If you enroll in an HSA-qualified deductible plan, you have the option of opening a health savings account (HSA). An HSA is made up of funds that you contribute through your employer's pretax payroll deduction plan or a tax-deductible contribution that you, your employer, or your family members make directly to your account up to the maximum amount allowed each year.

The account is yours, and you can use the money to pay for your health care expenses. You can withdraw money tax-free* to pay for your qualified medical expenses now, or invest the funds and use them for your medical expenses later, even after you're 65. No matter when you choose to use it, the money in your HSA is yours. Whatever you don't spend rolls over to the next year, and you can take it with you if you retire, change jobs or health plans. You’ll usually be able to pay for services with a convenient debit card connected to your account.

Where to open an HSA


If your employer offers an HSA administered through Kaiser Permanente, you can set up an account directly through your employer to be paired alongside your HSA-Qualified Deductible HMO plan. You also have the option of opening an HSA administered by any eligible custodian of your choice.

If you choose an HSA administered through Kaiser Permanente, you'll receive a welcome letter and a Health Payment Card that you can use like a debit card to pay for qualified medical expenses. Once you've signed on to your account at kp.org/healthpayment and accepted the terms and conditions, and online disclosure and authorization agreements, you'll be able to start using the money you contribute through payroll withholdings and make additional contributions online.

Managing your HSA administered through Kaiser Permanente is easy. You can do it online at kp.org/healthpayment or with our KP HRA/HSA/FSA Balance Tracker app, which you can download for your smartphone or mobile devices. A monthly account administrative fee of $3.25 per member may be paid by you or your employer. The fee is waived for the following month when your average daily account balance is $2,000 or more.

Payment options and reimbursement


During your visit


 Payment options


 Action required for reimbursement from your HSA

Pay with your HSA Health Payment Card or debit card, if one was provided. This is the most convenient option available.

None. Just save copies of your Explanation of Benefits (EOBs), bills, and itemized receipts, which may be required later for tax purposes.

Use another payment method (cash, check, credit card, or another debit card).

Request reimbursement from your HSA administrator. If your account is administered through Kaiser Permanente, you can request a distribution from your account at kp.org/healthpayment or with our free KP HRA/HSA/FSA Balance Tracker app.

Split a payment between your HSA Health Payment Card or debit card and another payment method (if your qualified medical expense is greater than the balance in your HSA).

Request reimbursement from your HSA administrator. If your account is administered through Kaiser Permanente, you can request a distribution from your account at kp.org/healthpayment or with our free KP HRA/HSA/FSA Balance Tracker app.

After your visit
When you receive a bill for services from Kaiser Permanente:


 Payment options


 Action required for reimbursement from your HSA

Pay with your HSA Health Payment Card or debit card, if one was provided. Write the card number in the credit card section of the bill and return it to Kaiser Permanente.

None. Just save copies of your Explanation of Benefits (EOBs), bills, and itemized receipts, which may be required later for tax purposes.

Use another payment method (cash, check, credit card, or another debit card).

Request reimbursement from your HSA administrator. If your account is administered through Kaiser Permanente, you can request a distribution from your account at kp.org/healthpayment or with our free KP HRA/HSA/FSA Balance Tracker app.

Note: If your qualified medical expense is greater than the funds available in your HSA, then use another payment method (check, credit card, or other debit card). Then contribute additional funds to your HSA account later to cover the expense, and request reimbursement for the charges. 

The IRS sets a limit on how much you can contribute to your HSA each year. If you reach this limit and use all the funds in your HSA, you’ll need to pay for any additional qualified medical expenses out of your own pocket for the rest of the plan year and no HSA reimbursement will be available. 

Save your receipts and other documentation


Remember to save all your Explanations of Benefits (EOBs), bills, and itemized receipts. They may be required when you submit your HSA claims. The documentation should show:

  • name of the person getting the service
  • name of service provider
  • type of service
  • date of service
  • amount charged

Managing your account


If you have an HSA administered through Kaiser Permanente, you can access account information online 24 hours a day, seven days a week, at kp.org/healthpayment. You'll be able to view your account balance and information, process transactions, download forms, and see a list of qualified medical expenses. You can also call 1-877-761-3399 to speak to a customer service representative, Monday through Friday from 5 a.m. to 7 p.m. Pacific time (except holidays).

You can check your balance on the KP HRA/HSA/FSA Balance Tracker app, kp.org/costestimate, or by calling Health Payment Services. Please note that your HRA balance won’t appear on your Explanation of Benefits (EOB) or bills.

You can also access your account when you're on the go. Just download the Kaiser Permanente app for your smartphone or mobile device.

Our calculators can also help you determine how an HSA can reduce your taxes — and grow over time.


Contribution limits


There’s a limit on how much you can contribute each year, set by the federal government. That amount can change every year. To find out the current limit, visit the Internal Revenue Service website.

For additional information:


HSA Frequently Asked Questions — Kaiser Permanente
(English) (Spanish) (Chinese) 

 

*The tax references on this website relate to federal income tax only. Consult with your financial or tax adviser for information about state income tax laws. Federal and state tax laws and regulations are subject to change. If tax, investment, or legal advice is required, seek the services of a qualified professional.

If an HSA debit card is available through your HSA administrator.

A qualified medical expense is defined under Internal Revenue Code Section 213(d). For a list of qualified medical expenses, download IRS Publication 502, Medical and Dental Expenses, at irs.gov/publications. As an HSA account holder, you’re ultimately responsible for determining whether an expense is a qualified medical expense.

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