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FREQUENTLY ASKED QUESTIONS

How do I deposit money into my HSA?

You can make deposits through a payroll deduction or by sending a check directly to AHR.

How do I take money out of my HSA?

Just send your medical bill or insurance statement to AHR, and tell us to either pay the provider directly, or reimburse you!

What if I don't have enough money in my HSA account to cover my medical bill?

We can work out a payment plan with your provider for you. Once you approve it, we will pay them each month for you!

How do I keep track of how much money is in my HSA account?

We will send you a statement each quarter, showing your account balance and all transactions for that period. And you can call us, toll-free, during normal business hours to get your current account balance or ask questions about your account!

Are all of my family members covered by my HSA?

Yes.

What happens when I turn 65?

You can use your HSA for medical expenses, tax-free, or you can take your money out at your lower, post-retirement tax rate!

Can I use my HSA to pay for health expenses not covered by my health insurance?

Absolutely! You can use your HSA to pay for any health care service or product allowed under Section 213d of the IRS code. These expenses include: Acupuncture, Braille books and magazines, Hair transplants, Birth Control pills, Dentures Laboratory fees, Dental fees, Orthodontia, Eyeglasses/Contact lenses, Electrolysis, Hospital bills, Artificial limbs, Hearing Aids, Obstetrical Expenses, Drugs/medical supplies, Nurses’ fees, Psychologist fees, Handicapped special schools, Physician fees, Ambulance, Lead-based paint removal, Alcoholism treatment, Chiropractors, Oxygen And many, many more!

What does my HRA cover?

Your HRA account was designed specifically for you by your employer. The most you can spend is shown on your balance report. This full amount is available to you immediately if you need medical care and your claim meets the specifications set by your employer. If you have any questions, ask your employer or call AHR!

Who does the money in my HRA belong to?

The money in your HRA was deposited for your benefit by your employer to pay for medical care for you. It belongs to your employer.

How do I keep track of my HRA account?

You have 24/7 access to your account on-line. And AHR will send you a balance report at the end of each calendar quarter.

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