Welcome to your Health Savings Account (HSA) Plan

  • Get started with your plan:

    1. Create your secure account

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    First, create an account. Then, log in and register your account with your health plan by entering the identification number from the front of your ID card.

    Create an account

    or log in to your account.

    2. Create your HSA

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    If you enrolled through Premera, UMB Bank® will open your account.* If you enrolled through HealthCare.gov, complete the HSA enrollment form and mail it in.

    When you get the UMB Bank welcome kit in the mail , log in to your Premera account and use the personal funding link to begin using your account.

    3. Find an in-network doctor

    Find an in-network doctor icon

    Log in at Premera.com and use the Find a Doctor tool to find a list of doctors who are in your Premera provider network. You'll almost always pay less out of your own pocket if you visit doctors in the Premera network.

    4. Make an appointment for a checkup

    Annual check up

    Preventive care is covered by your health plan. It's very important to stay current on health screenings, tests, and vaccinations. See what is considered preventive care.

    *On behalf of Premera Blue Cross, UMB Bank® is an independent company that provides financial services. You can open an HSA with any qualified financial institution, but Premera tools to manage your account work only with UMB HSAs.

    How your plan works

    To help you understand your health plan, here's an example to explain how it works.*

    Let's say your health plan has in-network  services covered with a $2,500 deductible , $35 office visit copay , 30% coinsurance , and $6,350 out-of-pocket  maximum.

    1. You pay for most care and medical services (diagnostic tests, emergency care, prescriptions), until you meet your deductible of $2,500. For each office visit, you pay a $35 copay, even though you have not met your deductible.
      Your plan pays for some care in full, including most preventive care, even before you meet your deductible.

    2. After you've paid $2,500, your plan starts paying 70% of the cost of covered care. You pay 30%, your coinsurance.
      For example, if the total cost of an office visit was $200, you'd pay $60 coinsurance. Your plan would pay $140. For an office visit, you'd also pay a $35 copay.

    3. After you've paid $6,350 in deductible, copays, and coinsurance, or your out-of-pocket maximum, your plan pays 100% of your covered care for the rest of the plan year.

    4. You can use tax-free money from your HSA to pay for qualified medical expenses-both before and after you meet your deductible.
    * This is an example only. For details about your plan's actual deductible, copay, coinsurance, and out-of-pocket maximum amounts, see your summary of benefits and your benefit booklet.