Make the most of your HSA

Tap into big benefits

Choose virtual care Have a video call or virtual chat visit with a board-certified doctor 24/7 using the Sydney Health app on your smartphone or tablet. You’ll owe a copay or less. It’s a convenient way to talk with a doctor, including mental health professionals.

TIP: Ask your doctor if they offer telehealth visits. If you have access to the Sydney Health app, you can start or schedule a virtual visit there 24/7.

Pay less for care

It’s yours forever

Your health plan includes a health savings account (HSA). Learn how to unlock its potential.

Want to save even more?

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Stretch your money further

Cover healthcare costs

Enjoy built-in flexibility

Think of your HSA as a personal healthcare savings account. You can use the funds to cover qualified medical expenses for you, your spouse, and any dependents.* Hundreds of healthcare expenses qualify, including:

• • •

Go to qme.anthem.com to see a full list of eligible medical expenses.

Know your options for emergency care If you need medical care quickly and it’s not a true emergency, try your doctor’s office, virtual care, a retail health clinic, or urgent care. It could save you hundreds of dollars. Think sprains, cuts, rashes, earaches, and other common illnesses and injuries.

Out-of-pocket costs based on your plan coverage, including coinsurance, (your share of the costs), copays, and deductible payments Office visits for primary care physicians and specialists Prescription and many over-the-counter medications

Your HSA comes with major tax benefits, and it’s designed to help grow the money you put in. Explore how the actions below all help put your healthcare dollars to work.

Stretch your money further

Sydney Health is offered through an arrangement with Carelon Digital Platforms, a separate company offering mobile application services on behalf of your health plan. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. and Community Care Health Plan of Georgia, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In 17 southeastern counties of New York: Anthem HealthChoice Assurance, Inc. and Anthem HealthChoice HMO, Inc. In these same counties Anthem Blue Cross and Blue Shield HP is the trade name of Anthem HP, LLC. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield, and its affiliate HealthKeepers, Inc. trades as Anthem HealthKeepers providing HMO coverage, and their service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWI) underwrites or administers PPO and indemnity policies and underwrites the out-of-network benefits in POS policies offered by Compcare Health Services Insurance Corporation. Compcare underwrites or administers HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. 1046976MUMENABS Rev. 07/24

Compare costs for care Prices for healthcare services can vary by hundreds — or even thousands — of dollars, so it pays to shop around for:

X-rays and scans, such as an MRI. Labs, such as a blood or urine tests. Procedures like back surgeries or knee replacements.

TIP: Use the Find Care & Cost feature on the Sydney Health mobile app or anthem.com to find a doctor in your plan's network and quickly check costs.

If you believe you are having a life-threatening emergency or your health is in serious jeopardy, call 911 immediately.

TIP: Make sure you know your plan deductible. This is how much you'll pay out of pocket for care each year before your plan starts to kick in. Check your plan documents or log in at anthem.com to find it.

Ambulance, hospital, and emergency services Lab tests and X-rays Dental and orthodontic care Vision care and materials Chiropractic care

TIP: Ask your doctor if they offer telehealth visits. If you have access to the Sydney Health app, you can start or schedule a virtual visit there 24/7.

If you believe you are having a life-threatening emergency or your health is in serious jeopardy, call 911 immediately.

TIP: Use the Find Care & Cost feature on the Sydney Health mobile app or anthem.com to find a doctor in your plan's network and quickly check costs.

There are three ways to pay for qualified medical expenses with your HSA. 1. Debit card You’ll receive your HSA debit card in the mail soon if you haven’t already. Once it’s activated, use it to pay for qualified expenses at any pharmacy, doctor’s office, or healthcare facility that accepts it. 2. Online bill pay Log in to the Sydney Health app or anthem.com. Use the electronic bill pay feature to pay a bill directly from your HSA. 3. Reimbursement If you pay for qualified expenses out of pocket, you can reimburse yourself from your HSA. Simply transfer the funds directly to your personal checking or savings account.

Cover healthcare costs

• • •

X-rays and scans, such as an MRI. Labs, such as a blood or urine tests. Procedures like back surgeries or knee replacements.

Compare costs for care Prices for healthcare services can vary by hundreds — or even thousands — of dollars, so it pays to shop around for:

Out-of-pocket costs based on your plan coverage, such as coinsurance (your share of the costs), copays, and deductible payments Office visits for primary care doctors and specialists Prescription and many over-the-counter medications

Ambulance, hospital, and emergency services Lab tests and X-rays Dental and orthodontic care Vision care and materials Chiropractic care

How to pay

Enjoy built-in flexibility

Any unused funds roll over from year to year, and they never expire.

No use-it-or-lose-it policy

You can change your contribution anytime.

Adjust as your needs change

You have full control over how you spend your HSA dollars. Use them right away to help pay for care, or leave the money in your account to grow with interest. Once your balance reaches $1,000, you can invest it to grow your money even more.

Spend how you see fit

One year with an HSA

It’s easier to use your HSA confidently when you know what to expect. See how a typical year of healthcare expenses might work for someone with an HSA.*

January

Greta’s employer contribution appears in her HSA, and she makes her first monthly HSA contribution. She also spends $50 to stock up on some over-the-counter medications for cold and flu prevention and pain relief. HSA balance at the month’s start: $1,000 Monthly HSA contribution: $250 HSA spending this month: $50 Total HSA spending: $50 HSA balance at month’s end: $1,200

Investments

Withdrawals

Contributions

To manage your HSA, log in to the Sydney Health app or anthem.com. Then select My Plans and go to Spending Accounts. You can manage your contributions and reimbursements, explore investment options, and pay bills. If you have questions, call Member Services at the number on your member ID card.

Use your HSA with confidence

Young woman sitting at table working on a laptop.

Monthly HSA contribution: $250

February

March

Greta trips and breaks a toe. She goes to urgent care for X-rays and is charged $400. She covers the cost from her HSA a few days later using online bill pay. HSA balance at the month’s start: $1,700 Monthly HSA contribution: $250 HSA spending this month: $400 Total HSA spending: $450 HSA balance at month’s end: $1,550

April

May

June

It’s time for Greta’s annual eye exam. She needs new glasses, which cost $130. She pays out of pocket but submits a request for reimbursement a few days later. HSA balance at the month’s start: $2,050 Monthly HSA contribution: $250 HSA spending this month: $130 Total HSA spending: $680 HSA balance at month’s end: $2,170

July

Monthly HSA contribution: $250

August

Monthly HSA contribution: $250

September

October

Greta wakes up with a runny nose and headache. She books a virtual visit through the Sydney Health app. The visit costs $59, which she pays for with her HSA debit card. HSA balance at the month’s start: $2,920 Monthly HSA contribution: $250 HSA spending this month: $59 Total HSA spending: $739 HSA balance at month’s end: $3,111

November

Greta has $3,361 in her HSA to carry over to the new year. Because her balance is above $1,000, she's thinking about investing some of her funds so they can grow faster. Learn more about HSA investing.

December

More contributions = more savings You keep more of your paycheck with automatic HSA contributions. That’s because you don’t have to pay taxes on the contributions you make to your HSA from your paycheck.

Monthly HSA contribution: $250

Mother and son look at medical items on a store shelf.

Man examines credit card in front of laptop screen.

Man with woman standing beside him hands woman behind counter a credit card.

Meet Greta Greta has chosen a health plan with an HSA. Her plan has a $2,700 annual deductible, which is how much she’ll pay out of pocket before her plan starts to share the cost. Greta’s employer contributes $1,000 to her HSA at the beginning of the year. She decides she will contribute $250 in pretax dollars to her HSA every month. See how Greta uses her HSA throughout the year.

Monthly HSA contribution: $250

Couple looks through paper bills together in front of a laptop screen.

Tip: The Internal Revenue Service (IRS) sets HSA contribution limits each year, which includes contributions from your employer. Use our HSA Contribution Limits Calculator to check how much you can put in your HSA this year.

Use our tax savings calculator to see how much your HSA contributions could save you on taxes.

Assumes a 22% federal tax rate, a 5% state tax rate, and 7.65% federal payroll tax rate.

Annual HSA contribution $1,500 $2,000 $3,000 Total annual tax savings $519.75 $693 $1,039.50

Contributions

See how your investments could add up

Investments

More spending power The money you contributed to your HSA stays tax-free as long as you spend it on qualified medical expenses. Because that money isn't taxed, you have more to spend on qualified expenses than you would if you paid from your checking or savings account.

Withdrawals

Woman examines medical items on a grocery store shelf.

The balance in your HSA investment account is subject to investment risks, including changes in value and the possible loss of the principal amount invested. Investing through the WealthCare Saver investment platform is subject to the terms and conditions of the Health Savings Account Custodial Agreement and any applicable investment supplement(s). For information regarding underlying investment expenses, earnings, and distributions, see the applicable investment prospectus and other publicly available information.

Grow your HSA funds Once your HSA balance is above $1,000, you can invest anything over that amount in mutual funds. Your investments will grow tax free and can help you build healthcare savings for down the road. Learn more about investing your HSA funds from WealthCare Saver, the company that manages your HSA investment experience.

Invest your money like a 401(k)

Access the funds anytime

The savings and interest growth are tax free

Save for healthcare expenses in retirement

Investments

See how your investments could add up

back

$20k

$40k

$60k

$80k

$100k

Invest $2k/year

Invest $1k/year

Invest $500/year

After 5 years

After 10 years

After 20 years

$3,668

$7,336

$14,672

$8,323

$16,645

$33,291

$25,211

$50,423

$100,846

Go to qme.anthem.com to see a full list of qualified medical expenses.

* You can use HSA funds for qualified medical expenses for any family member who is a tax dependent on your tax return and for any child(ren) claimed as a tax dependent by the other parent.

*This is only an example. Your situation will be different.

HSA benefits Cover healthcare costs Enjoy built-in flexibility Stretch your money further

Unlike a flexible spending account (FSA), the money you put in your HSA is always yours to keep, even if you switch health plans, change jobs, or retire.