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<p style="padding-bottom: 1em;">If you enroll in the Choice + HSA Plan or the Value + HSA Plan, you can take advantage of a Health Savings Account (HSA), administered by MyChoice. The HSA can help you save on taxes, pay medical, prescription, dental, or vision costs throughout the year and save for future healthcare expenses.​</p>
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<h3>Your Contributions</h3>
You decide how much you want to contribute to your HSA every year up to the IRS maximum of $3,650 if you enroll only yourself, or $7,300 if you enroll in family coverage. You can make additional catch-up contributions up to $1,000 if you are age 55 or older in 2021.
<h3>Ingram’s Contribution (Choice + HSA Plan only)</h3>
Ingram contributes annually to your HSA to help pay for out-of-pocket medical expenses before your deductible is met: $500 for individual coverage and $1,000 for family coverage.
<h3>Using Your Account</h3>
You can use your MyChoice debit card:
<ul>
 	<li>at the time of service</li>
 	<li>to pay your provider directly via your MyChoice account</li>
</ul>
You can also pay out-of-pocket and then reimburse yourself, or save your HSA funds for future healthcare expenses.
<h3>Remaining Funds</h3>
Money left in your HSA at the end of the year will roll over to the next year. Once your HSA balance reaches $1,000, you have investment options. If you leave Ingram or retire, you take your HSA account with you for future healthcare expenses.
<h3>The Triple Tax Advantage</h3>
<ol>
 	<li>The contributions you make to your HSA are made through payroll deduction on a before-tax basis</li>
 	<li>The money in your account (including interest and investment earnings) <strong>grows tax-free </strong></li>
 	<li>Funds are withdrawn tax-free to pay for qualified medical expenses</li>
</ol>
<h3>Special Eligibility Rules</h3>
In order to qualify for the HSA, you and your covered dependents must meet all the following requirements:
<ul>
 	<li>You can’t be covered by another medical plan (like your spouse’s plan) that does not qualify as a “high-deductible health plan.”</li>
 	<li>You can’t be claimed as a dependent on someone else’s tax return, except as a spouse.</li>
 	<li>You can’t be covered by Medicare.</li>
 	<li>You can’t have received Veterans Administration health benefits in the past three months, other than for preventive care.</li>
 	<li>You can’t be active in the military and covered by Tricare.</li>
 	<li>You are not eligible for the HSA if your medical expenses are eligible for reimbursement under the terms of your spouse’s Health Care FSA.</li>
</ul>
<h3>Invest in the HSA</h3>
<ul>
 	<li>Once your HSA balance reaches $1,000, you have investment options</li>
 	<li>Several investment funds are available online – while investments do not guarantee a return, every effort is made to provide choices that help your savings grow</li>
 	<li>Some investment options charge a small fee, just like an IRA</li>
</ul>
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<h3>High Deductible Health Plans with an HSA—How They Work Together</h3>
Together, your contribution and Ingram’s annual contribution* can cover some or all of your out-of-pocket healthcare expenses.[/et_pb_text][et_pb_image src="http://www.ingrambenefits.com/wp-content/uploads/2020/12/hsa-2021.png" title_text="hsa-2021" admin_label="Image - working together" _builder_version="4.16" _module_preset="default" global_colors_info="{}"][/et_pb_image][et_pb_text admin_label="Text - helpful info" _builder_version="4.16" _module_preset="default" global_colors_info="{}"]
<h3>Helpful Information About Your HSA</h3>
<a href="http://www.ingrambenefits.com/wp-content/uploads/2020/12/M793012-MCA-USER-GDE-HSA.pdf" target="_blank" rel="noopener">User Guide</a> <a href="http://www.ingrambenefits.com/wp-content/uploads/2020/10/MyChoice-Mobile-App-Flyer.pdf" target="_blank" rel="noopener">MyChoice Mobile App</a> <a href="http://www.ingrambenefits.com/wp-content/uploads/2020/10/HSA-Fact-Sheet.pdf" target="_blank" rel="noopener">HSA Fact Sheet</a> <a href="http://www.ingrambenefits.com/wp-content/uploads/2020/12/35_Eligible-Expenses-Guide.pdf" target="_blank" rel="noopener">Eligible Expenses Guide</a>[/et_pb_text][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_image src="http://www.ingrambenefits.com/wp-content/uploads/2020/12/MyChoice-logo.png" title_text="MyChoice logo" _builder_version="4.16" _module_preset="default" global_colors_info="{}"][/et_pb_image][et_pb_text admin_label="Text - contact and learn more" _builder_version="4.16" link_font="|700|||||||" ul_font_size="16px" header_3_font="|||on|||||" header_3_text_color="#2f378e" header_3_font_size="18px" header_3_line_height="1.2em" min_height="109px" custom_margin="-20px||-20px||false|false" custom_padding="0px||0px|||" saved_tabs="all" global_colors_info="{}"]
<h3>Contact and Learn More</h3>
<a href="http://MyIngramBenefits.com" target="_blank" rel="noopener">MyIngramBenefits.com</a> <a href="tel:18773995349">877-399-5349</a>[/et_pb_text][et_pb_button button_url="http://www.ingrambenefits.com/wp-content/uploads/2022/10/21MyChoice-Consumer-Accounts-Page-updated.pdf" url_new_window="on" button_text="Learn More" _builder_version="4.17.6" custom_button="on" button_text_size="14px" custom_margin="10px||40px||false|false" global_colors_info="{}"][/et_pb_button][et_pb_image src="http://www.ingrambenefits.com/wp-content/uploads/2020/08/GettyImages-1035462566.jpg" _builder_version="4.16" _module_preset="default" global_colors_info="{}"][/et_pb_image][et_pb_divider show_divider="off" admin_label="Divider - 20px" _builder_version="4.16" _module_preset="default" custom_margin="20px||||false|false" global_colors_info="{}"][/et_pb_divider][et_pb_text admin_label="Text - contact and learn more" _builder_version="4.16" link_font="|700|||||||" ul_font_size="16px" header_3_font="|||on|||||" header_3_text_color="#2f378e" header_3_font_size="18px" header_3_line_height="1.2em" min_height="109px" custom_margin="-20px||-20px||false|false" custom_padding="0px||0px|||" saved_tabs="all" global_colors_info="{}"]
<h3>No "Use It or Lose It" Rule</h3>
Any unused funds at the end of the year are yours to keep for future medical expenses. You can take your HSA balance with you if you leave Ingram.[/et_pb_text][/et_pb_column][/et_pb_section][et_pb_section fb_built="1" use_custom_gutter="on" gutter_width="2" specialty="on" padding_top_1="0px" padding_top_2="0px" padding_right_1="30px" padding_1_tablet="|15px||" padding_2_tablet="" padding_1_phone="|0px||" padding_2_phone="" padding_1_last_edited="on|desktop" padding_2_last_edited="on|desktop" module_class_1="basic_column_no_sideborder" custom_css_main_1="border-right: 2px dotted #d9d9d9;" _builder_version="4.16" global_colors_info="{}" theme_builder_area="post_content"][et_pb_column type="2_3" specialty_columns="2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||" theme_builder_area="post_content"][et_pb_row_inner custom_padding_last_edited="on|phone" admin_label="Row" _builder_version="4.17.6" custom_margin="||||false|false" custom_padding="15px||38px||false|false" custom_padding_tablet="||14px|" custom_padding_phone="||0px|" global_colors_info="{}" theme_builder_area="post_content"][et_pb_column_inner saved_specialty_column_type="2_3" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||" theme_builder_area="post_content"][et_pb_text admin_label="Text - intro" _builder_version="4.17.6" text_font="|300|||||||" text_text_color="#48484a" text_font_size="24px" text_line_height="32px" custom_margin="||20px|" custom_padding="||10px||false|false" hover_enabled="0" text_font_size_tablet="" text_font_size_phone="21px" text_font_size_last_edited="on|desktop" text_line_height_tablet="" text_line_height_phone="28px" text_line_height_last_edited="on|desktop" border_width_bottom="1px" border_color_bottom="#00529c" saved_tabs="all" global_colors_info="{}" theme_builder_area="post_content" sticky_enabled="0"]

If you enroll in the Choice + HSA Plan or the Value + HSA Plan, you can take advantage of a Health Savings Account (HSA), administered by MyChoice. The HSA can help you save on taxes, pay medical, prescription, dental, or vision costs throughout the year and save for future healthcare expenses.​

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<h3>All plans:</h3>
<ul>
 	<li>Use the same UHC network of providers</li>
 	<li>Cover in-network preventive care at 100%</li>
 	<li>Include <a href="/prescription-drug">prescription drug</a> coverage</li>
</ul>
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<h4>Signature Plan</h4>
<ul>
 	<li>Provides you with a high level of benefits</li>
 	<li>You will pay the most out of your paycheck</li>
 	<li>Office Visits only require a copay</li>
 	<li>For most other services, you will pay a lower deductible (compared to the other plans) plus coinsurance</li>
</ul>
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<h4>Choice + HSA Plan</h4>
<ul>
 	<li>Is a High Deductible Health Plan which means:
<ul>
 	<li>You will pay the cost of services, including prescriptions, until you meet the deductible</li>
 	<li>You can contribute to a tax-advantaged HSA that can be used to pay out-of-pocket healthcare expenses or save for future expenses</li>
 	<li>Ingram contributes to your HSA annually.
<ul>
 	<li>$500 for individual coverage</li>
 	<li>$1,000 for family coverage.
<ul>
 	<li>Note: If you enroll in the Choice + HSA plan during the year, you will receive a prorated amount. You can also add your own money to your account. Both contributions, Ingram’s and yours, belong to you. Keep in mind, Ingram's contributions apply toward the IRS limits.</li>
</ul>
</li>
</ul>
</li>
</ul>
</li>
</ul>
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<h4>Value + HSA Plan</h4>
<ul>
 	<li>Another High Deductible Health Plan which means:
<ul>
 	<li>You will pay the cost of services, including prescriptions, until you meet the deductible</li>
 	<li>Lowest per-paycheck cost, but the highest deductible and out-of-pocket maximum</li>
 	<li>You can contribute to a tax-advantaged HSA that can be used to pay out-of-pocket healthcare expenses or save for future expenses</li>
 	<li>Ingram does not contribute to your HSA</li>
</ul>
</li>
</ul>
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<h3>Premium Care Physicians</h3>
The UnitedHealth Premium® program evaluates physicians using evidence-based medicine and national measures to help you locate quality and cost-efficient providers.

To find a UnitedHealth Premium Care Physician go to <a href="http://myuhc.com" target="_blank" rel="noopener">myuhc.com</a> &gt; Find Care &amp; Costs &gt; Medical Directory. Then, filter by Preferred Providers; and look for the two hearts <span style="font-size: 18px; color: #2f398f;">♥♥</span>.

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<h3>Virtual Visits</h3>
Virtual Visits are a convenient, easy and confidential way to access a doctor from your home, office or while traveling. All you need is a telephone, smartphone, tablet or computer.

Virtual Visits are usually $49 or less. <a href="http://www.ingrambenefits.com/wp-content/uploads/2022/03/Telehealth-Flyer-FINAL.pdf" target="_blank" rel="noopener">Please click to learn more.</a> Watch Grethel Fernandez, Director of Benefits, explain how you can use and access Telehealth in this <a href="https://vimeo.com/712122612/33556c6f1a" target="_blank" rel="noopener">short video</a>.

<strong>Generally good for:</strong>
<ul>
 	<li>Allergies</li>
 	<li>Bladder/urinary tract infection</li>
 	<li>Cough/cold or flu</li>
 	<li>Fever</li>
 	<li>Migraine/headache</li>
 	<li>Pink eye</li>
 	<li>Rash</li>
 	<li>Sinus problems</li>
 	<li>Sore throat</li>
 	<li>And much more!</li>
</ul>
Virtual Visits are usually $49 or less. <a href="http://www.ingrambenefits.com/wp-content/uploads/2022/11/Telehealth-Services-flier.pdf" target="_blank" rel="noopener">Learn More</a>.

Watch Grethel Fernandez, Director of Benefits, explain how you can use and access Telehealth in this short video.

Register at <a href="http://myuhc.com" target="_blank" rel="noopener">myuhc.com</a> or sign into your account.

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<h3>Second Opinion Services</h3>
You and your dependents enrolled in a medical plan have access to a virtual expert medical consultation and navigation service at no cost through <a href="https://www.2nd.md/" target="_blank" rel="noopener">2nd.MD</a>.

<a href="https://www.2nd.md/" target="_blank" rel="noopener">2nd.MD</a> connects you with board-certified, elite specialists from top medical institutions for a virtual medical consultation via phone or video from the comfort of your home. To learn more, watch this <a href="https://vimeo.com/719956697/6d2bbd6c6a" target="_blank" rel="noopener">short video</a> that explains how you can benefit from using 2nd.MD.
<h4>When to Use 2nd.MD</h4>
When dealing with illness, injury, or chronic pain, <a href="https://www.2nd.md/" target="_blank" rel="noopener">2nd.MD</a> can help when you have medical questions about:
<ul>
 	<li>A new or existing diagnosis</li>
 	<li>Treatment plan</li>
 	<li>Possible surgery</li>
 	<li>Your medications</li>
 	<li>A chronic condition</li>
</ul>
Let <a href="https://www.2nd.md/" target="_blank" rel="noopener">2nd.MD</a> take on the burden of finding the right specialist, collecting medical records, and navigating the healthcare system, so you can focus on getting the best care.

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<h4 style="padding-top: 0.5em; text-align: left;">See Plan Comparison Chart</h4>
<a href="http://www.ingrambenefits.com/wp-content/uploads/2022/11/medicalPlan2023.png" target="_blank" rel="noopener">Click here to view</a>

[/et_pb_text][et_pb_text admin_label="Text -- make the most of medical plan" module_class="sidebar-list" _builder_version="4.17.6" text_font_size="15px" text_line_height="1.4em" ul_font_size="16px" header_3_font="|||on|||||" header_3_text_align="center" header_3_text_color="#2f378e" header_3_font_size="18px" header_3_line_height="1.2em" header_4_text_color="#2F398F" header_5_line_height="1.2em" custom_margin="||0px|" custom_padding="||25px|" custom_padding_tablet="" custom_padding_phone="" custom_padding_last_edited="on|desktop" border_color_bottom="#d9d9d9" border_style_bottom="dotted" global_colors_info="{}" theme_builder_area="post_content"]
<h4 style="padding-top: 0.5em; text-align: left;">Make the Most of Your Medical Plan</h4>
<p style="padding-bottom: .2em !important;">Watch this <a href="https://lp.uhc.com/how-a-health-plan-works?cid=EI_OE%7CLPM%7CSB%7CCTM%7COE_Videos%7CNA%7CNA%7CSite_Visits%7C2021_08_01%7CHow_A_Health_Plan_Works" target="_blank" rel="noopener">helpful video</a> to learn more about how a medical plan works.</p>
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<h4>Symptom Support Navigator</h4>
<p style="padding-bottom: .2em !important;">This tool, found on <a href="http://myuhc.com" target="_blank" rel="noopener">myUHC.com</a> helps you explore your symptoms and get actionable, immediate health guidance. <a href="http://www.ingrambenefits.com/wp-content/uploads/2022/04/symptom-support-navigator-member-flier.pdf" target="_blank" rel="noopener">Learn more.</a></p>
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<h4 style="padding-top: 0.5em; text-align: left;">Behavioral Health Resources</h4>
Focusing on mental wellbeing is important, and UHC has comprehensive tools and resources available. Watch this <a href="https://vimeo.com/728223083/3f686b1a4a" target="_blank" rel="noopener">quick video</a> to learn more about accessing these Behavioral Health tools.
<p style="padding-bottom: .2em !important;">Visit <a href="http://myuhc.com" target="_blank" rel="noopener">myuhc.com</a> &gt; Coverage &amp; Benefits &gt; Mental Health to find behavioral health support for you and your family anytime, anywhere.</p>
<a href="http://www.ingrambenefits.com/wp-content/uploads/2022/04/UHC-Behavioral-Health-FINAL.pdf" target="_blank" rel="noopener">UHC - Behavioral Health</a>

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<h4><strong>Save Money and Be a Good Healthcare Consumer</strong></h4>
The emergency room isn’t always the best place to go for care, and can mean more money out of your pocket. See this handy guide on <a href="http://www.ingrambenefits.com/wp-content/uploads/2021/03/20ER-and-UC-Comparison-34389-1.pdf" target="_blank" rel="noopener">where to go for care</a> and when.

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<h4 style="padding-top: 0.5em; text-align: left;">Manage your health with your UnitedHealthcare Health Plan</h4>
<ul>
 	<li>Activate your <a href="http://myuhc.com" target="_blank" rel="noopener">myuhc.com</a>® account</li>
 	<li>Download the UnitedHealthcare® app</li>
 	<li>Find a network primary care provider (PCP)</li>
 	<li>Schedule an appointment with your PCP</li>
 	<li>Keep up on preventive care</li>
</ul>
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<h4>UnitedHealthcare App</h4>
In addition to the UnitedHealthcare website, you can use the app to find nearby care options in network, video chat with a doctor 24/7, view and share your ID card with your doctor’s office and even check your progress toward your deductible.

<strong>Download the free UHC app in the <a href="https://itunes.apple.com/us/app/unitedhealthcare/id1348316600?mt=8" target="_blank" rel="noopener">Apple App Store</a> or <a href="https://play.google.com/store/apps/details?id=com.mobile.uhc" target="_blank" rel="noopener">Google Play</a>.</strong>

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<h4 style="padding-top: 0.5em; text-align: left;">Contact</h4>
<strong><a href="http://myuhc.com" target="_blank" rel="noopener">myuhc.com</a>
<a href="tel:8662043120" target="_blank" rel="noopener">866.204.3120</a></strong><strong>
</strong>

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