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Health Savings Account (HSA)

You are eligible for a HSA if you are enrolled in an HDHP, not covered by any other health plan that is not a HDHP (including a spouse’s health plan, but does not include specific injury insurance and accident, disability, dental care, vision care, or long-term coverage), not enrolled in Medicare, not a recipient of VA or Indian Health Services (IHS) benefits within the last three months, not covered by your own or your spouse's flexible spending accounts, and not claimed as a dependent on someone else’s tax return. For each month you are eligible for an HSA premium pass-through, we will contribute to your HSA $75 per month for a Self Only enrollment or $150 per month for a Self Plus One or Self and Family enrollment. In addition to our monthly contribution, you have the option to make additional tax-free contributions to your HSA, so long as total contributions do not exceed the limit established by law, which is $3,600 for an individual and $7,200 for a family. You can use funds in your HSA to help pay your coinsurance, copayments, and other qualified expenses. You own your HSA, so the funds can go with you if you change plans or employment. The Health Plan will establish an HSA for you with Healthcare Bank, a division of Bell State Bank & Trust, this HDHP’s fiduciary (an administrator, trustee, or custodian as defined by federal tax code and approved by the IRS.) HSA features include:

  • Your HSA is administered by UPMC Benefit Management Services.
  • Your contributions to the HSA are tax deductible.
  • Your HSA earns tax-free interest.
  • You can make tax-free withdrawals for qualified medical expenses for you, your spouse, and dependents (see IRS publication 502 for a complete list of eligible expenses).
  • Your unused HSA funds and interest accumulate from year to year.
  • It’s portable—the HSA is owned by you and is yours to keep, even when you leave federal employment or retire.
  • When you need it, funds up to the actual HSA balance are available.

Health Savings Account Contribution Tips

How much gets contributed to my HSA?
The Health Plan contributes a portion of your monthly health plan premium totaling $75.00 for individual coverage and $150.00 for family coverage.
When during the month does the plan contribute to my HSA?
For all accounts active as of the first of the month, the Health Plan makes premium pass-through contributions to UPMC Consumer Advantage accounts by the 15th of each month.
How am I able to contribute to my UPMC Consumer Advantage HSA?
Set up one-time or reoccurring contributions from your personal bank account by accessing your UPMC Consumer Advantage online account. You can also contribute by completing the health savings account (HSA) contribution form and sending in a check.
Can HSA contributions be deducted from my paycheck on a pre-tax basis?
UPMC Consumer Advantage HSA cannot accept payroll contributions. However, if you currently have payroll deductions in place with contributions going to BenefitWallet HSA, please see the following question and answer.
How can I realize tax savings if making HSA contributions by check or transferring money from a personal bank account?
When filing your individual tax return, you can claim a tax deduction on HSA contributions.
Where can I get answers to my questions?
UPMC Consumer Advantage Member Services representatives are available at 1-855-492-8762 Monday through Friday from 7 a.m. through 7 p.m. and Saturday from 8 a.m. through 3 p.m. You can also email your questions to consumeradvantage@upmc.edu.
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It is important to know that when you enroll in this plan, services are provided through UPMC Health Plan's participating providers as described in UPMC Health Plan's federal brochure — but the continued participation of any one doctor, hospital, or other provider cannot be guaranteed.

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