How do I use my HSA? How do I pay for services?
When you have qualified medical expenses not paid by GEHA, you can pay with funds in your HSA. You are not required to use your HSA funds and may allow the funds to accumulate in your account. To withdraw HSA funds to pay your provider, use a debit card, write a check, make a withdrawal request or transfer funds into your personal account online using free Internet banking (I-banking). Go to Qualified Medical Expenses to see a partial list of expenses that qualify for reimbursement from your HSA.
GEHA provides unlimited adult preventive care (paid at 100 percent, with no deductible) when you see a PPO doctor. Included are annual physicals, routine adult immunizations, mammograms and cancer screenings. Lab tests as part of your preventive care visit are also covered at 100 percent. GEHA covers well-child visits and immunizations (paid at 100 percent, with no deductible), regardless of provider. For details on covered preventive care, see your GEHA High-Deductible Health Plan Brochure.
You do not have to pay at the time of service when you see a doctor or go to a hospital. Your provider submits your claim to GEHA and GEHA then applies network discounts to the bill. You will receive an explanation of benefits (EOB) form listing “patient responsibility.” Pay that amount to the provider.
When you fill prescriptions at a pharmacy, you will pay at the time of purchase. Show your GEHA ID card to get the GEHA negotiated discount, and then pay for the prescription with your HSA debit card, cash, personal check or HSA check. If you pay for the prescription out of personal funds, you may reimburse yourself from your HSA, but be sure to save receipts of all medical expenses reimbursed from the HSA.
Dental and vision services are not subject to the Health Savings Advantage plan deductible. Be sure to show your dental/vision ID card at the time of service to receive discounted services from participating Connection Dental® or EyeMed vision care providers. Many providers will submit claims to GEHA, but if yours does not, please submit an itemized statement from your provider to the address shown on your dental/vision ID card. You will receive an explanation of benefits (EOB) from GEHA or EyeMed. Pay the remaining balance to the provider.