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Frequently Asked Questions

Q36. Is there a time frame in which I must use my HSA funds?
Consumer Driven Health Plan Questions
Q1. What is a high deductible health plan?
Q2. What is the Consumer Driven Health Plan (CDHP)?
Q3. Does the CDHP family deductible include an "embedded" individual-family-member deductible?
Q4. Will the CDHP cover vaccinations for travel overseas?
Q5. Are routine laboratory tests covered under the CDHP?
Q6. How are wellness/preventive care services paid under the CDHP?
Q7. Whose responsibility is it to ensure the provider bills the CDHP wellness benefit correctly?
Q8. Is there a cost differential between using an outpatient hospital lab vs a free-standing lab such as LabCorp or Quest?
Q9. Is vision care covered under the CDHP?

Eligibility Questions
Q10. What is the benefit waiting period for a (classified) new hire employee?
Q11. I am a PERS retiree (retired in 2005) and have been offered a position with a state agency. If I return to active employment status in a benefits eligible position, how will my employment impact my retiree insurance subsidy?
Q12. My spouse and children are covered under my spouse's company medical plan but may lose coverage after the PEBP open enrollment period ends. Should I add them to my coverage during open enrollment?
Q13. I am retired and will soon turn age 65. Am I required to enroll in Medicare?
Q14. I am an active employee and will soon turn age 65. Am I required to enroll in Medicare?

Health Savings Account (HSA) and Health Reimbursement Arrangement (HRA) Questions
Q15. What is an HSA and how do I qualify?
Q16. Am I eligible to make or receive contributions to an HSA?
Q17. What is the "Last Month-Rule" as it pertains to an HSA?
Q18. What is the HSA testing period?
Q19. What are the HSA contribution limits?
Q20. How can I change my HSA contribution election?
Q21. What can I use the HSA debit card for?
Q22. Is there a penalty for using HSA funds for non-qualified expenses?
Q23. What is the Consumer Driven Health Plan Health Reimbursement Arrangement (HRA)?
Q24. Who is eligible for the HRA?
Q25. What is the Medicare Exchange Health Reimbursement Arrangement (HRA)?
Q26. What are qualified medical expenses?
Q27. I have a domestic partner and an "adult child" - are their expenses eligible for reimbursement from the Health Savings Account (HSA), Health Care Flexible Spending Account (FSA) and/or Health Reimbursement Arrangement (HRA)?
Q28. My tax dependent child is covered on my spouse's HMO plan. Am I eligible to contribute to a Health Savings Account?
Q29. Do I need to be a United States citizen to open and contribute to an HSA?
Q30. Can I make contributions to my HSA this year and have it count towards my prior plan year contributions?
Q31.What happens to my HSA if I am no longer an eligible individual? For example, if I change coverage from the CDHP to an HMO or if I enroll in Medicare?
Q32.What happens if I use the funds for ineligible expenses?
Q33. If I am enrolled in single coverage under the CDHP, can HSA funds be used for my spouse or eligible dependent that are not covered under my health plan?
Q34. How are HSA withdrawals monitored? Is there an expense verification process like an FSA or HRA?
Q35. If I use funds from my HSA for medical expenses, can I claim them as a deduction on my income tax?
Q37. If an HSA the same as a Medical Flexible Spending Account (FSA) or Health Reimbursement Arrangement (HRA)?





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Updated November 18, 2014 


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