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IMPORTANT: If you do not elect your benefits during the annual Open Enrollment period or within 31 days of your date of hire, you will not have Roper St. Francis Healthcare health plan coverage until the next year unless you have a qualified life event as defined by the IRS.

HAVE A QUESTION?

If you can’t find an answer to your question after reviewing the information on this site, please email HRBenefitsTeam@rsfh.com or call (843) 720-8400.

 

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Alliance Save / Alliance Out-of-Area Save

With the Alliance Save or the Alliance Out-of-Area plan, you still have the same comprehensive protection and provider network as our Alliance Prime and Alliance Flex plans. You also gain greater flexibility and control over your medical expenses.

Alliance Save Overview

  • High deductible health plan with a Health Savings Account (HSA)
  • Can use RSF Health Alliance network, BlueCross Blue Shield nationwide network, or Out-of-Network providers. (Find a Provider)
  • You pay 20% co-insurance after deductible (when using the RSF Health Alliance network)
  • You can offset your eligible medical expenses by using funds from your tax-advantaged HSA
  • Roper St. Francis Health contributes up to $1,100 into your HSA.
  • Out-of-pocket maximum of $3,500 individual/$7,000 all other tiers

Alliance Save Overview

  • Can use RSF Health Alliance, BlueCross, or Out-of-Network providers. (Find a Provider.)
  • You pay 20% co-insurance after deductible (when using the RSF Health Alliance network)
  • You can offset your eligible medical expenses by using funds from your tax-advantaged HSA.
  • Roper St. Francis Healthcare contributes up to $1,100 into your HSA.
  • Out-of-pocket maximum of $3,500 individual/$7,000 all other tiers

Have a Question?

Review the information found throughout this site. If you can’t find an answer to your question, please email rsfbenefits@benefitfocus.com or call (833) 474-RSFH(7734)

What are the advantages of an HSA?

Tax Savings

Reduce your taxable income by the amount you deposit into your HSA. You don’t have to itemize your taxes to receive this benefit. You can contribute to your HSA up to the maximum IRS contribution limits less the Roper St. Francis Healthcare contribution. Any eligible dependents can use the funds on a pre-tax basis even if they are not covered on your insurance. Interest on your account grows on a tax-deferred basis and the funds not considered taxable income as long as it is spent on qualified healthcare expenses. For a complete list of IRS-qualified medical expenses visit irs.gov

Healthcare Savings

By using pre-tax dollars to pay for eligible medical, dental, prescription and vision expenses, you’re actually paying less than you would pay out of pocket.

Rollover Benefits

Unlike other accounts, your HSA dollars roll over from year to year. There’s no “use it or lose it” policy — even if you change jobs or healthcare plans.

Income Protection
  • Short-Term Disability (STD) – you pay on an after-tax basis; coverage of $200 to $3,000 per month for up to 90 days of disability.
  • Long-Term Disability (LTD) – you and RSFH share the cost; coverage of 60% of your salary, up to $15,000 per month, beginning on the 91st day of disability.
  • Workers’ Compensation – RSFH pays for this coverage.
Interest on the account grows tax-free!

Supplemental retirement savings. You can use your HSA as supplemental retirement income once you reach age 65. Withdrawals as retirement income are subject to income taxes. Withdrawals for qualified healthcare expenses continue to be tax-free.

How much should I contribute to my HSA?

You can save for eligible medical expenses by contributing to your Roper St. Francis Healthcare HSA through pre-tax payroll deductions and claim your contributions on your personal tax return even if you do not itemize. Your maximum contribution (including Roper St. Francis Healthcare’s contribution) is $3,500 for an individual or $7,000 for a family (plus a $1,000 catch-up for those age 55 and older).

How much will Roper St. Francis Healthcare ontribute to my HSA?

Important. If you are at least 65 and enrolled in Medicare or claimed as a dependent on someone else’s federal tax return, you may still elect the Alliance Save plan; however, you will not be eligible to open an HSA, per IRS regulations. You are also not eligible to receive the RSFH-funded HSA contribution. (If your spouse is enrolled in Medicare, you can still open an HSA and receive the RSFH-funded HSA contribution.) Domestic Partners and their children can be covered under the Alliance Save plan. However, the use of your HSA is regulated by the IRS; therefore, expenses incurred for your domestic partner and/or your domestic partner’s children are not eligible for reimbursement from your HSA unless they are tax-qualified dependents, as defined by the IRS. Your domestic partner is able to open and contribute to his/her own HSA account, and is able to use those contributions to pay for his/her own medical expenses.