Human Resources
MENUMENU
  • HR services
    • Payroll
    • Benefits
    • Recruitment & hiring
    • Compensation
    • Performance management
    • Employee relations
    • Learning & development
  • Careers
  • Employee Resources
  • Manager Resources
  • Policies & forms
    • Policies
    • Forms index
    • eCERT
  • About HR
    • Directory
    • Find your contact by department
  • IN
  • Human Resources
  • Benefits – HDHP/HSA Info
 

Click the image to watch an educational HSA webinar

Resources

  • Benefit Eligibility Chart
  • 2023 Benefit Overview
  • 2023 Benefits Guide
  • Benefit Plan Documents and Policies
  • Benefits Vendor Contact Information
  • NAU HDHP HSA Informational Session - 10/26/2022
  • Medicare Eligibility and Your HSA 

High Deductible Health Plan (HDHP)
&
Health Care Savings Account (HSA)


NAU HDHP\HSA

  • High Deductible Health Plan (HDHP) Tab Open

  • Health Care Savings Account (HSA) Tab Closed

High Deductible Health Plan (HDHP) Accordion Open

  • Same BCBSAZ network and NAU PPO
  • Preventive services covered at 100%
    • NAU HDHP\HSA Preventive Drug list
  • Costs that count toward your deductible and out-of-pocket maximum
    • Office visits, prescriptions, deductible, copays and coinsurance
  • Eligible for Health Impact Program(HIP)

Health Care Savings Account (HSA) Accordion Closed

  • HSA through HealthEquity
  • NAU contributes each pay period to your account
    • $27.70 per pay period for employee only coverage
    • $55.39 per pay period for family coverage
  • You can also make pre-tax contributions
  • Tax-free savings for qualified medical expenses
  • HealthEquity HSA fee schedule

Want to learn more?

  • Compare your medical options on the 2023 Benefits Overview
  • Click here to review NAU BCBSAZ HDHP/HSA detailed information on plan features and cost breakdown
  • Review HSA FAQs
  • Review eligible health care expenses

State of AZ HDHP\HSA

  • High Deductible Health Plan (HDHP) Tab Open

  • Health Care Savings Account (HSA) Tab Closed

High Deductible Health Plan (HDHP) Accordion Open

  • Networks offered: BCBSAZ & UHC
  • Preventive services covered at 100%
  • Costs that count toward your deductible and out-of-pocket maximum
    • Office visits, prescriptions, deductible, copays and coinsurance
  • Eligible for Health Impact Program(HIP)

Health Care Savings Account (HSA) Accordion Closed

  • HSA through Optum
  • NAU contributes each pay period to your account
    • $27.70 per pay period for employee only coverage
    • $55.39 per pay period for family coverage
  • You can also make pre-tax contributions
  • Tax-free savings for qualified medical expenses
  • Optum Bank HSA fee schedule

Want to learn more?

  • HDHP – BlueCross BlueShield of Arizona Video
  • HDHP – UnitedHealthcare Video

HDHP\HSA Frequently Asked Questions

Review the 2023 HDHP\HSA Frequently Asked Questions

How does the NAU BCBSAZ HDHP\HSA differ from in the NAU PPO? Accordion Closed

  • Lower Premiums: The premiums for the NAU HDHP/HSA are lower than the NAU PPO. If you switch from the NAU PPO, you can save between $1,000 and $3,400 each year in premium cost.
  • Higher out-of-pocket expenses: The deductible and out-of-pocket maximums for the NAU HDHP/HSA are higher than those for the NAU PPO.
    • NAU HDHP/HSA Deductible: Individual $1,400\Family $2,800
    • NAU HDHP/HSA Out-of-Pocket Maximum: Individual $2,000\Family $4,000
  • Health Care Saving Account: If you select the NAU HDHP/HSA option, each pay period NAU will contribute to your HSA account.  You can also contribute to the account up to the IRS maximum. You can use the funds in the account to help pay for your out-of-pocket expenses.

How much could I save in premiums if I switch from the NAU BCBSAZ PPO to the NAU BCBSAZ HDHP\HSA? Accordion Closed

It will depend on the number of dependents you cover on your medical plan. Remember the NAU contributions to your HSA account are made each pay period.  It is a good idea to contribute some of your premium savings to your HSA to help cover your increased out-of-pocket expenses. Review the Premium and Out-of-Pocket differences.

Are there any limitations on who can enroll in a HDHP\HSA? Accordion Closed

Anyone can enroll in the HDHP but there are limitations and who participant in the Health Care Savings Account. To contribute to an HSA, the IRS requires you:

  • Must be enrolled in a Qualified HDHP, such as the new NAU BCBSAZ HDHP or the State HDHP
  • Cannot be covered by Health Coverage that is not Qualified (includes spousal FSA, Medicare, Tricare, IHS or a traditional health plan)
  • Cannot be enrolled in Medicare A or B
  • Medicare and HSA eligibility information 
  • Cannot be a dependent on someone else’s tax return
  • Cannot use the VA for a non-service related injury

Note: Since you are the account holder these limitations apply to you not your dependents.

I am eligible for IHS Services can I still enroll in a HDHP\HSA? Accordion Closed

Yes. Merely being eligible for to receive care does not affect your HSA eligibility. However, receiving certain services can make you ineligible to receive or make contributions to your HSA and lowers the annual amount you can contribute your HSA.  Per the IRS Notice 2012-14,

‘an individual who is eligible to receive medical services at an IHS facility, but who has not actually received such services during the previous three months, is an eligible individual within the meaning of § 223(c)(1) of the Internal Revenue Code who may establish and make tax-free contributions to an HSA. However, an individual generally is not an eligible individual if the individual has received medical services at an IHS facility at any time during the previous three months.’

If you receive IHS services that would make you ineligible for HSA contributions and it is your responsibility to contact Human Resources to stop NAU’s and your HSA contributions.

More information

  • IRS website at https://www.plansponsor.com/irs-provides-guidance-on-hsas-for-users-of-indian-health-service/
  • Health Equity’s HSA Guidebook page 39

You may also wish to contact your tax advisor

Can I use the funds in my HSA account for my dependent’s covered health care expenses? Accordion Closed

The HSA funds can only be used for tax dependents.  So, if you can claim a dependent on your taxes you can use your HSA funds their covered health care expenses.

Can I use Campus Health Services (CHS) with either HDHP\HSA? Accordion Closed

Yes. With either HDHP/HSA, you can still see Campus Health Services (CHS) providers, but you will need to meet your deductible before eligible expenses are paid.  As CHS charges are generally lower than those of community providers, this can help reduce your out-of-pocket expenses.

Can funds be used prior to being deposited in an HSA account (similar to the FSA where I can use the funds I have committed to, even if they have not yet been withdrawn from my paycheck)? Accordion Closed

No, unfortunately you can only request to be reimbursed, or to pay medical expenses with the funds available in the current balance. The other thing to keep in mind is that there is no time limit with an HSA to reimburse yourself for qualified medical expenses that you pay out-of-pocket.  You can accumulate the reimbursable amount until you reach a determined goal while building tax-free earnings.

Can I enroll in both the Health Care Flexible Spending Account (FSA) and the Health Care Savings Account? Accordion Closed

Yes, but there are limitations.  If you are enrolled in an HSA you can also make contributions to a ‘Limited Purpose FSA”.  You can only pay for Dental and Vision expenses with a ‘Limited Purpose FSA”.  Medical expenses would need to be paid out of your HSA.

What is the difference between the NAU Health Care Flexible Spending Account (FSA) that I have contributed to for years and the Health Care Savings Account. Accordion Closed

There are several differences.

  • Health Care Flexible Spending Account (FSA) Tab Open

  • Health Care Savings Account (HSA) Tab Closed

Health Care Flexible Spending Account (FSA) Accordion Open

  • Can be enrolled in any type of health care plan
  • You contribute pre-tax dollars to an account up to the plan maximum of $2,750 for 2022
  • Funds are used to cover eligible health care expenses
  • Unused funds can be rolled over to the next plan year. The rollover provision was temporarily expanded to allow any remaining 2021 balances to roll over for use into 2022.
  • Funds up to your annual contribution amount are available on the first day of the plan (before they are deposited)

Health Care Savings Account (HSA) Accordion Closed

  • Must only be enrolled in a High Deductible Health Care Plan (HDHP)
  • You and NAU contribute pre-tax dollars to an account up to the IRS maximum for 2022 of $3,650 for employee or $7,300 for all other coverage levels)
  • Unused funds rollover from year to year and you take the account with you if you leave NAU
  • Funds are used to cover eligible health care expenses
  • Funds are not available for use until they are deposited in your account

What is the difference between the NAU HDHP\HSA and the State of Arizona HDHP\HSA Accordion Closed

The two plans operate similarly but have several differences.

  • NAU Tab Open

  • State of AZ Tab Closed

NAU Accordion Open

  • BCBSAZ is the network for the HDHP
  • The employee premiums are lower but NAU contributes less to the HSA
  • Health Equity administrates the HSA

State of AZ Accordion Closed

  • Employees can choose between the BCBSAZ and UHC as the network of the HDHP.
  • The employee premiums are higher but NAU contributions more to the HSA
  • Optum administrates the HSA

How can I find out if my prescription’s are considered ‘Preventative”? Accordion Closed

Here are the links to the the drugs list for the NAU and the State of AZ HDHP\HSA

  • NAU HDHP\HSA Preventive Drug List for the
  • ADOA HDHP\HSA Safe Harbor Preventative Drug List 

 

Welcome to Human Resources
Location
Building 91
Centennial Building
411 S Beaver Street
Flagstaff, Arizona 86011
Email
HR.Contact@nau.edu
Phone
(928) 523-2223