Google Play and the Google Play logo are trademarks of Google LLC. Your spouse will just need to open their own HSA for their additional portion. And at the end of the year, you can roll over up to $500 of your contribution to the next plan year, provided your employer's plan allows this. 0000009449 00000 n The catch-up amount is $1,000 and if you turn 55 during the year you can contribute the full $1,000. 0000004650 00000 n State taxes may apply. __!*}htho1G.=:Y L endstream endobj 110 0 obj <> endobj 111 0 obj <> endobj 112 0 obj [/ICCBased 127 0 R] endobj 113 0 obj <> endobj 114 0 obj <> endobj 115 0 obj <>stream Important Note:Please do not provide any card information on this form as forms with debit card numbers will not be processed and will be destroyed for your protection. Dependent debit card Yes. 2022 limits: An individual can contribute up to $3,650 (increase of $50 from 2021) for the year. HSA Bank. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. The IRS has a list of approved healthcare expenditures. Any unused funds in your HSA automatically roll over each year. Please note: You'll need your PIN. Each year, the Internal Revenue Service (IRS) sets contribution limits for health savings accounts (HSAs). Order an Optum Bank debit Mastercard for family member. HSA funds may be used to pay for qualified medical expenses at any time without federal tax liability. Results and amounts will vary depending on your particular circumstances. If they do, it will be disclosed on the screen before you accept the transaction Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, Member FINRA/SIPC. 0000043472 00000 n As you're planning for the future, your HSA can ease your mind and prepare you for retirement by saving money income tax-free. For details and disclosures visitbetterment.com. Without registering on the Member Website, you won't be able to log in to the app. You will enjoy a tax savings on the money you can use for eligible health care expenses. Health savings accounts (HSAs) and Medicare Advantage Medical Savings Accounts (MSAs) are individual accounts offered or administered through Optum Bank, Member FDIC, a subsidiary of Optum Financial, Inc. Optum Financial, Inc. is not a bank or an FDIC insured institution. At age 65, you will have the ability to use your HSA funds for any purpose on a taxable basis. Which expenses are considered IRS-qualified medical expenses? You're going places take your HSA with you Use your health account dollars Never leave your HSA behind It's easy to take your HSA with you wherever you go. Take charge of paying for qualified medical expenses. The IRS sets guidelines for how much you can contribute to an HSA each year. Please contact your plan administrator with questions about enrollment or plan restrictions. (Note: You'll need your PIN. You get to keep the money in your HSA, no matter what,even if you change jobs or move off a qualifying high-deductible health plan. Can I use my HSA Bank Health Benefit Debit Card at an ATM? HRA funds can be used on eligible expenses determined by your employer. Here is what you need to know about the HSA contribution limits for the 2021 calendar year: An individual with coverage under a qualifying high-deductible health plan (deductible not less than $1,400) can contribute up to $3,600 up $50 from 2020 for the year to their HSA. dL`1zcsBQH)cE, Eh(744"@lRjc`2@MO(D!bN[VXP~>c{/="bJV>O;b~*9:3a`(vaT`7s|z -{NDB=j"M~^5-ga2~@B8y bO endstream endobj 106 0 obj <>>> endobj 107 0 obj <> endobj 108 0 obj >/PageTransformationMatrixList<0[1.0 0.0 0.0 1.0 0.0 0.0]>>/PageUIDList<0 92903>>/PageWidthList<0 612.0>>>>>>/Resources<>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/Properties<>/XObject<>>>/Rotate 0/Tabs/W/Thumb 79 0 R/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 109 0 obj <>stream Additional shipping restrictions may apply. 0000009307 00000 n The Optum Store is an affiliate of the UnitedHealth Group family of companies. The amount of your pay that goes into an FSA will not count as taxable income, so you will have immediate tax savings. Check your plan document and summary plan description or contact your benefits department for specific coverage details. Your employer sponsored plan may exclude reimbursement for certain categories of items. Get income tax-free contributions and income tax-free withdrawals for qualified medical expenses. Optum Bank, Member FDIC, wants you to understand the fees associated with your HSA. Free and expedited shipping offers do not apply to shipping outside of the contiguous United States. In addition to the Optum Bank ATM fee, the bank/ATM you use to withdraw funds may charge you a fee. 0000052919 00000 n Sign in to your account to set up reoccurring contributions to ensure you're contributing the maximum allowed by the IRS each year. Additionally, the code cannot be used for prescription drugs or virtual care visits. For even more convenience, just add your card to your phone or watchs digital wallet! The Optum Store is an affiliate of the UnitedHealth Group family of companies. For details and disclosures, visit schwab.com. For details and disclosures, visit schwab.com. Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Self-directed mutual fund investment options are made available through the services of an independent investment advisor, or your plan sponsor. Annual participant contributions are limited by The Internal Revenue Service. Google Play and the Google Play logo are trademarks of Google LLC. Without a registered account, you won't be able to log in to the app. A Healthcare FSA allows reimbursement of qualifying out-of-pocket medical expenses. In addition to our fee, the bank/ATM you use to withdraw funds may charge you their own fee. Optum Bank Mobile App Promotional codes are not transferable or redeemable for cash or credit. The HSA Bank app is available on Google Play and the App Store. The maximum out-of-pocket has been capped at $14,000. If you are 55 or older, you can contribute an additional $1,000 each year. (800) 357-6246 | (414) 978-5294 You can keep your account, and the money in it remains yours. You may receive both a 1099-SA and 5498-SA from us. Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, Employer-Sponsored Plans) are administered on behalf of your plan sponsor by Optum Financial, Inc. ("Optum Financial") and are subject to eligibility and restrictions. Federal and state laws and regulations are subject to change. The maximum out-of-pocket is capped at $15,000. s\A0W+ The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. 0000004914 00000 n HSAs are owned by the individual, differentiating them from company-owned Health Reimbursement Arrangements (HRAs) that are an alternate tax-deductible source of funds paired with HDHPs. For more information, please call the number on the back of your Health Benefits Debit Card. Life has its surprises, but with an Optum Bank HSA, paying for qualified medical expenses won't be one of them. See your HSA Bank Fee and Interest Rate Schedule.). Can my Healthcare FSA funds be used to cover my spouses's healthcare expenses even if he or she is not covered by my health insurance plan? HSA funds earn interest tax free** and when used for IRS-qualified medical expenses are also free from tax. Because the employer funds the plan, any distributions are considered tax deductible (to the employer). For a $100 pair of eyeglasses, you could pay the $100 out of pocket or you could pay with your HSA. Additional retirement savings. Federal and state laws and regulations are subject to change. After turning 65 you can use your HSA funds for non-qualified expenses, like a boat or an exotic vacation. * (ATM access is not available on all HSA products. FSA dollars can be used during the plan year to pay for qualified expenses and services. *You can use your Mastercard at any ATM that displays the Mastercard acceptance mark. Your employer sponsored plan may exclude reimbursement for certain categories of items. hbbbf`b``3 {, endstream endobj 224 0 obj <>/Metadata 7 0 R/OCProperties<>/OCGs[225 0 R 226 0 R]>>/Pages 6 0 R/StructTreeRoot 9 0 R/Type/Catalog/ViewerPreferences<>>> endobj 225 0 obj <> endobj 226 0 obj <> endobj 227 0 obj [/View/Design] endobj 228 0 obj <>>> endobj 229 0 obj [230 0 R] endobj 230 0 obj [226 0 R 225 0 R] endobj 231 0 obj <>/Font<>/ProcSet[/PDF/Text]/Properties<>>>/Rotate 0/StructParents 0/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 232 0 obj <> endobj 233 0 obj <> endobj 234 0 obj <> endobj 235 0 obj <> endobj 236 0 obj <> endobj 237 0 obj <> endobj 238 0 obj <>stream Cloudflare Ray ID: 7c0e708f79c16fb3 For more information on your plan, contact your HR department. Or, if available from your employer, you can set up payroll deductions from every check. You are responsible for monitoring the amount deposited into your HSA each calendar year. Brokerage services are offered to certain accountholders through TD Ameritrade, Inc., Member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation. Optum Financial and its subsidiaries are not broker-dealers or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities or otherwise solicit securities transactions. Google Play and the Google Play logo are trademarks of Google LLC. At Optum Bank, we strive to communicate the important regulatory and legislative changes as soon as possible to ensure you're armed with critical information that impacts you and your health accounts. The daily debit card limit for the Health Benefits Debit Card is $5,000 at merchants dedicated to healthcare (e.g. It's a win-win to save on health costs today, tomorrow and even through retirement. 0000022512 00000 n The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. 24 hours a day, 7 days a week, excluding major U.S. holidays, Receipt Vault allows you to upload and store images of receipts online. If you are enrolled in a health plan that does NOT meet the criteria for a HDHP, you may NOT set up an HSA and you must stop contributing to any HSA you do have. Keep Uncle Sam out of your pocketbook. Your employer sponsored plan may exclude reimbursement for certain categories of items. State taxes may apply. Additionally: You must have a valid Social Security Number and a primary residence in the U.S. You cannot be covered by any other type of health plan, including Medicare Part A or Medicare Part B. Most retired Americans will need more money to pay for their health care needs than their insurance coverage will provide. Yes. Fees may reduce earnings on account. Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Horizontal Rule. For more than just deductibles and copays, you can use your funds to pay for dental, vision, chiropractic care, acupuncture and more. What are the steps for using HSA Bank App? Forgot password App Store is a service mark of Apple Inc., registered in the U.S. and other countries. $3.00 Waived if average balance is $5,000 or more*. HW}nq_ YK Alx ?A G#3-)Q9^U=c9 C4/Zb3? Your HSA-FSA card is the fastest and most convenient way to pay for qualified expenses like bandages, braces, chiropractors and more. 0000001807 00000 n State taxes may apply. Investment Threshold: $2,000 Investment Fee: 0.03% of your average daily investment balance, not to exceed $10.00 in any given month View Offered Mutual Funds When funds are transferred to your investment account, the amount of the transfer cannot bring the balance of your HSA below your investment threshold. (Note: there is no daily limit to pay a provider.). Check with your or your spouse's benefits administrator to determine if you can participate in any health FSA offered by your or your spouse's employer. Please contact a legal or tax professional for advice on eligibility, tax treatment and restrictions. Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, Employer-Sponsored Plans) are administered on behalf of your plan sponsor by Optum Financial, Inc. ("Optum Financial") and are subject to eligibility and restrictions. 0000043433 00000 n Your spouse will just need to open their own HSA for their additional portion. To apply a promotional code you must enter it prior to completing the order. 0000005618 00000 n Optum Financial and its subsidiaries are not broker-dealer or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions. An FSA allows an employee to designate a portion of his or her pre-tax earnings to pay for qualified expenses as established in the cafeteria plan, most commonly for medical expenses, but often for dependent care or other expenditures. For 2023, at least $1,500 in deductibles for individual coverage and $3,000 for family coverage, and out-of-pocket exceeding $7,500 for individual coverage and $15,000 for family coverage. Health Savings Checkup tool; Optum Bank webinars; HSA contribution calculator; Mobile banking; DPL Main Nav Items. What is a qualified high deductible healthcare plan (HDHP)? Choose from a wide range of securities, including mutual funds, stocks, bonds and more. Plan Administrative Services and Benefit Services are administered by Webster Servicing LLC. Brokerage services are offered to certain accountholders through TD Ameritrade, Inc., Member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation. Self-directed mutual fund investment options are made available through the services of an independent investment advisor, or your plan sponsor. For details and disclosures, visit schwab.com. If youre a new account holder, youll be able to choose a PIN when you first activate your debit card. After age 65, funds can be withdrawn for any purpose without penalty. Federal and state laws and regulations are subject to change. Learn more. DPL-Footer Legal And Social Bar Component, Medicare Advantage Medical Savings Accounts (MSAs). Use your HSA card to shop for everyday health expenses like bandages, braces, chiropractors and contacts all while saving 30% with pre-tax funds.*. *There is a $2.50 ATM withdrawal fee. Please contact a legal or tax professional for advice on eligibility, tax treatment and restrictions. For details and disclosures, visittdameritrade.com. Your HSA card fast-tracks your payments and lets you skip the paperwork all while saving you 30%* by using HSA dollars. With just a tap of your smartphone, you can easily pay for everything from copays and prescriptions to acupuncture and acne meds. Sign in to your online account today to make a contribution. Give your family members the ability to access health account fundsand yourself more options to manage them. For details and disclosures visit betterment.com. %PDF-1.7 % ATM and outbound transfer fee: $2.50 per ATM transaction that Optum Bank charges. However, your employer might have additional limitations. Your flexible spending account (FSA) or health reimbursement account (HRA) with Optum Financial includes an Optum Financial payment card. Your payment card is the most convenient way to pay for all the items that are covered by your account. For even more convenience, just add your card to your phone or watchs digital wallet! H\0E Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. You can choose from a variety of HSA selfdirected investment options with no minimum balance required. Note: Investment accounts are not FDIC insured, may lose value and are not a deposit or other obligation of, or guarantee by the bank. Top Max out your HSA this year with the contribution limit set by the IRS. Yes you can. For details and disclosures, visitschwab.com. As you're planning for the future, your HSA can ease your mind and prepare you for retirement by saving money income tax free. Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, Member FINRA/SIPC. Health savings accounts (HSAs) and Medicare Advantage Medical Savings Accounts (MSAs) are individual accounts offered or administered through Optum Bank, Member FDIC, a subsidiary of Optum Financial, Inc. Optum Financial, Inc. is not a bank or an FDIC insured institution. Can I use an HRA if I have health insurance? Online Transfer - On HSA Bank's Member Website, you can transfer funds from your HSA to an external bank account, such as a personal checking or savings account. An HSA is a great tool to help you prepare for future health care costs and retirement. 0000005880 00000 n Pay a bill you receive from a doctor or other provider. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the HSA Bank web site. For a complete list of IRS-qualified medical expenses, visit irs.gov or hsabank.com/QME. 0000004088 00000 n The Optum Store is an affiliate of the UnitedHealth Group family of companies. Performance & security by Cloudflare. 0000000936 00000 n HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. Keep in mind that if your employer contributes funds, those also count toward the maximum. You'll pay ordinary income tax on those funds, but the 20% tax penalty no longer applies. Optum Financial and its subsidiaries are not broker-dealer or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions. A: This health plan satisfies certain IRS requirements with respect to deductibles and out-of-pocket expenses. NOTE: if a spouse's Flexible Spending Account (FSA) can pay for any medical expenses before the HSA-qualified plan deductible is met, you are not eligible to open an HSA. Free and expedited shipping offers do not apply to shipping outside of the contiguous United States. 24 hours a day, 7 days a week, Business Relations Visit our HSA Investment page to learn more. If you still feel a need to close your account, please call our Client Assistance Center at (800) 357-6246. If your spouse is also 55 or older, he or she may establish a separate HSA and make a "catch-up" contribution to that account. You can check your HSA balance by visiting the Member Website, where you will have secure, 24/7 access to your account balances and transaction history. You know you're going to need it so why not save on taxes, too? *Your HSA Bank Health Benefits Debit Card provides access to your HSA funds at point-of-sale with signature or PIN and at ATMs for withdrawals. If you do not choose online delivery for your account statements, we may charge this fee for every statement we mail to you. Are you taking full advantage of all your HSA's tax benefits by contributing the maximum each year? Plus, no more worries about carrying cash, checks or other credit cards or waiting to be reimbursed for out-of-pocket expenses. -EH6`iBd[I mg1$JWvlqla~b{~0v};LH.4:}t1li.\ e~K_r7^.4$~&?WxC-xG_9 viH\+;{Yt9tpw=3=2 *The content herein is provided for informational purposes. s\AA'N;t"x'g?xrzpzrzpzrzpzrzpzrzpzy)J_W+J_A2KhvDe'N(:1vbl`62f#l`62f#l`63wf"W|N&N6MqO2__q]_W endstream endobj 116 0 obj <> endobj 117 0 obj <>stream Funds that are rolled over continue to grow and earnings are tax free. This makes funding your HSA a great way to save for retirement. The ATM withdrawal limit is $300 in a 24-hour period, and the HSA debit card (swipe your card at point of sale) is available cash balance or $10,000, whichever is less. Youll pay ordinary income tax on those funds, but the 20% tax penalty no longer applies. Please contact your plan administrator with questions about enrollment or plan restrictions. The average balance to waive the monthly maintenance fee does not include investment funds. `~Ezl|f8 Kh.2QQ h|2]yM\;n?X6UB#C^Br7:B+}p .M^;x/dm/I;@Ny*sw}O%*J %B*|OF,w~az%'~{t)~=E5dkt%oob^S$5']YfuCzmiT!c_>VQvz3;f/mOObDQ\SO}K6Xg_$zy\%9dW~V[vtY'Zx]Jg{-t~Gr0I D>L8"%\P+/DWI]S;$I$UZV-l?~qbkb:~x*o|O If at some point you are no longer covered by an HDHP, you still have access to your funds and can use them to pay for IRS-qualified medical expenses; however you are simply no longer eligible to make contributions. Please contact your plan administrator with questions about enrollment or plan restrictions. How do I use my HSA funds to pay for IRS-qualified medical expenses? The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. The Schwab Health Savings Brokerage Account is offered through Charles Schwab & Co., Inc., Member FINRA/SIPC. An employer may also make the HRA portable so that you can take the funds with you when your employment ends or when you retire. g:(AW+ This form can be used to redeposit funds withdrawn in error and cannot be used to correct an Excess Contribution Return. Your employer funds your HRA pre-tax. If you and your spouse are both over the age of 55, you can each contribute an additional $1,000. 0000037028 00000 n You can use your HSA to cover qualified medical expenses for you, your spouse, and any dependent children included on your income tax return. Additional shipping restrictions may apply. Are you taking full advantage of all of your HSA's tax benefits by contributing the maximum each year? Plus, you save up to 30% since youre using pretax dollars.*. The bank at which your HSA is kept doesn't really care whether you comply with the tax laws. Results and amounts will vary depending on your particular circumstances. The number of debit card transactions allowed per day is limited and varies based on how the card is used or types of transactions processed. *) *There is a $2.50 ATM withdrawal fee. Brokerage services are offered to certain accountholders through TD Ameritrade, Inc., Member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation. You will not lose any unspent money in your account. Investments are not FDIC insured, are not bank issued or guaranteed by Optum Financial or its subsidiaries, including Optum Bank, and are subject to risk including fluctuations in value and the possible loss of the principal amount invested. $1.50 printed statement fee. And, unlike a Flexible Spending Account (FSA), HSA funds roll over and accumulate year over year if not spent, with the ability to earn tax-free interest on the account. An HRA usually sits alongside a health plan with higher deductible, coinsurance and copayment minimums; often these health plans have lower monthly medical premiums allowing you to save money. Access fees may also be charged by the ATM owner. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Next year, individuals can set aside $3,650 in tax-free funds to save for the future or pay for qualified medical expenses (up $50 from last year). You can order a debit card in the name of your spouse or dependent. Your HSA funds are never lost due to changes in employment or health plan. Please call us at the number on the back of your debit card if you have any questions while completing this form. Using our online expense tracker, you can easily enter medical expense information and securely upload receipts and supporting documentation all in one place for easy access and tracking. 0000058610 00000 n App Store is a service mark of Apple Inc., registered in the U.S. and other countries. If youve forgotten your PIN or need to change it, call the customer service phone number on the back of your debit card. The issue of documenting legitimate expenses and/or qualifying for the account with an HDHP is between you and the IRS. * Your options include: You can pay for an expense with your external, personal account or with a credit card and then reimburse yourself by scheduling HSA transfers within the Member Website or app (Note: there is a daily transfer limit of $2,500 to safeguard against fraudulent activity, so multiple transfers will be required for amounts above $2,500). There's a $300 per 24-hours limit on ATM withdrawals. Fees may reduce earnings on account. * Additionally: You must have a valid Social Security Number and a primary residence in the U.S. You cannot have received medical benefits from Veterans Administration for any non-service-connected disabilities at any time during the previous three months.**. Plus, your money grows income tax-free. You can also pay for part of all of your IRS-qualified medical expenses out-of-pocket and reimburse yourself later with HSA funds. Can I use my HSA debit card after I terminate employment? Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, Member FINRA/SIPC. Your HSA can be used as part of your broader financial planning. Please contact a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Examples of expenses that are not eligible for reimbursement include: Medical expenses that are not defined as eligible under your employer's plan; Medical expenses that do not meet IRS section 213(d) requirements (e.g., gym memberships, nutritional supplements, cosmetic procedures and surgeries); Medical expenses incurred by you, your spouse or any eligible dependents prior to your effective date in the plan; and. The Optum Financial payment card is a fast and convenient way to pay for eligible medical expenses without submitting paper claim forms. Use the Optum Bank debit Mastercard to: Online bill payment Funds will be posted as a correction and not as a contribution. *Visit our HSA contribution page to learn more. The money you contribute to your HSA goes in, grows and comes out income tax free when used for qualified medical expenses. Your HSA comes in handy because there are certain things that traditional Medicare doesn't cover, such as hearing aids, vision and dental, among many other costs. An individual with family coverage under a qualifying high-deductible health plan (deductible not less than $3,000) can contribute up to $7,750 up $450 from 2022 for the year. Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, Employer-Sponsored Plans) are administered on behalf of your plan sponsor by Optum Financial, Inc. ("Optum Financial") and are subject to eligibility and restrictions. Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. These expenses may include deductibles, coinsurance, copayments, prescription drugs, vision care and dental care. In addition to our fee, the bank/ATM you use to withdraw funds may charge you their own fee. Watch this video to learn more about how adding your HSA card to your digital wallet can help you pay for health care items while you're on the go. You can pay a provider through your online account. You cannot be claimed as a dependent on another person's tax return (unless it's your spouse). Please contact a legal or tax professional for advice on eligibility, tax treatment and restrictions. Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, Employer-Sponsored Plans) are administered on behalf of your plan sponsor by Optum Financial, Inc. or ConnectYourCare, LLC (collectively, "Optum Financial") and are subject to eligibility and restrictions.

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