Health Savings Account (HSA)

There are two components to a HSA-based health coverage plan - a savings account and a qualified high-deductible plan. 

IMPORTANT: You must be enrolled in the PPO Saver HSA plan in order to participate in the Health Savings Account component of this plan.  

The HSA is a tax-advantaged account used to pay medical expenses funded by tax-advantaged contributions from your paycheck. Money can be withdrawn from the HSA plan to pay for qualified medical expenses. You will receive a HealthEquity HSA Visa Debit Card. The debit card is used to access your HSA funds directly. 

Use this card at the point of service for prescription drugs and services not covered by your insurance. Your PPO Saver HSA plan has no co-payments, so you should not have to make any payment at the point of service when visiting a doctor’s office or hospital.


(Does not apply towards your PPO Saver/HSA deductible)

(Does not apply towards your PPO Saver/HSA deductible)

  • Deductibles, Coinsurance & Copays 
  • Prescription drugs
  • Insulin and syringes
  • Allergy shots
  • Chiropractor treatments
  • Acupuncture
  • Psychiatric/psychologist
  • Smoking cessation programs
  • Wheelchair/crutches
  • Weight-loss programs for disease
  • Deductibles
  • Co-pays
  • Coinsurance
  • Routine exams
  • Fillings
  • Crowns
  • Bridges
  • Dentures
  • Root canals
  • Orthodontia
  • Eye exams
  • Prescription glasses
  • Prescription sunglasses
  • Corrective-eye surgery
  • Contact lenses


  • Hearing exams
  • Hearing aids and batteries

If the money you put in your HSA is not spent during the year, it carries over from year to year. Over time, you can build up a substantial balance. In addition, it also can work as a retirement account once you reach the age of 65. Although you can still use it for all your medical expenses at age 65, it also can be withdrawn for non-healthcare expenses without paying a 10-percent penalty.

The HSA plan also is portable and will remain with you if you leave your employer or change health plans. NAH currently is paying the monthly administration charge of $3.95 for employees; which you will be responsible for if you leave the organization.