For information about HSAs with our HSA Financial partner OptumHealth Bank, or if you already have an HSA with OptumHealth Bank, and want to access your account, click here.

When was the last time your medical insurance helped you save money? Definity Health Savings Account, or HSA, combines medical coverage with a tax-advantaged health savings account and many more features to help you take control of your health, your medical decisions and your health care spending. With Definity HSA, you benefit from:

• Medical Coverage:
  Definity HSA includes medical coverage to help you stay healthy and access services when you are ill. Preventive care generally is covered and you have the freedom to choose your own physician - although you can save considerably by selecting from our network of 440,000 physicians and specialists, and 3,900 hospitals.
  
  
• A Health Savings Account (HSA):Your Definity medical coverage is paired with a health savings account and delivers -
  • Tax Savings:
    HSA contributions are tax-deductible, earnings and withdrawals for qualified health services also are tax-free.
    
    
  • Flexible Funding:
    You, your employer and other qualified individuals can contribute to your account.
    
    
  • Choice:
    You can use your HSA to pay for qualified health expenses for you and your covered dependents. Or you can use the funds for non-health related expenses. When you use your account for non-qualifying expenses, your withdrawals are subject to tax rules and penalties.
    
    
  • Interest Earnings:
    Your account balance earns a competitive interest rate. Investment options are also available
    
    
  • Easy Access to Your Money:
    You can use the UnitedHealthcare Health Savings Account Debit Card® to withdraw money from an ATM or pay at the time you receive health services. You also can pay with convenience checks or Online Bill Pay .
    
    
  • Fund Accumulation:
    If you don't use your entire HSA balance during the year, you won't need to worry about losing it. The money is yours to accumulate for future health-related expenses and you can take it with you if you change employers or retire. You can continue contributing to your account as long as you are participating in a qualifying high deductible health plan. But even when you aren't, the money is yours to spend or save for future expenses.
    
    
  • Retirement Planning Options:
    You can use your accumulated funds to plan for pre- and post-retirement expenses. Once you are over age 65 (or Medicare eligible), you can make withdrawals for non-health related expenses without a penalty. You'll only pay income tax when the money is used for non-qualifying expenses.
    
    
• Health Advocacy:
  Health professionals are available to give you information and support, and to answer any questions you might have about your health or specific medical conditions, any time of the day - any day of the year.
  
  
• Online Information and Resources:
  You have access to myuhc.com, your personal Web-based health care tool. With myuhc.com, you can track your claim history and HSA account status, get treatment costs and much more.

If you want to learn more about Health Savings Accounts and how they work, click here.

Choice. Control. Cost Savings. Definity HSA from UnitedHealthcare.