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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.


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



Flexible Spending Accounts

Health Savings Account

Effective Jan. 1, 2021, our Health Savings Account Administrator is ConnectYourCare. 

When you enroll in the Alliance Save plan, a Health Savings Account will be automatically opened for you through ConnectYourCare. Roper St. Francis Healthcare’s contribution into your HSA will be deposited into your account. The amount of the contribution is detailed below in “How much will Roper St. Francis Contribute to my HSA?”


Important Details to Transition Your HSA to ConnectYourCare

HSA Payment Card

All HSA payments cards have been mailed. If you have not received your card, please contact ConnectYourCare at 844-973-3919.

Online Account & Mobile App

When you receive your HSA Payment Card, you can register as a new user at to access your account.

  • Log in to view account balances, claims history, card transactions, FAQs, eligible items and important account alerts
  • Enter new claims online
  • Set up direct deposit to receive reimbursements quickly
  • Register under mobile alerts to use the text messaging feature.

You can also download the  myCYC mobile app.

How do I transfer my HSA account balance at McGriff to ConnectYourCare?

You are not required to transfer your existing HSA account from McGriff to CYC but we anticipate that most teammates will prefer to consolidate their HSA accounts. McGriff will charge participants a $3 monthly maintenance fee for HSA accounts that remain active with them after Jan. 1, 2021 if a transfer is not requested. You must actively consent for your HSA to transfer from McGriff to CYC.

You may submit an individual transfer form to McGriff to move your HSA funds to CYC.

USA Patriot Act – Customer Identification Program (CIP)

The Customer Identification Program (CIP) is a requirement set forth in the USA Patriot Act that requires financial institutions to verify the identity of individuals wishing to conduct financial transactions with them. CYC must comply with the requirements of the Customer Identification Program to open an HSA account for you. If CYC requests any documents to verify your identity, please respond quickly so there will not be any delays opening and accessing your account.

 New Claims Process

For all HSA claims not paid using your payment card, follow these easy steps to enter a claim:

  • Log into your account online or the mobile app, myCYC
  • Click to add a new reimbursement request and follow the easy steps on the screen to enter information about your claim.

Questions About Your HSA or FSA?

  • For questions about your enrollment or payroll deductions, contact the HR Benefits Team at or 843-720-8400, Option 2.
  • For questions about your new HSA or FSA, contact ConnectYourCare at 844-973-3919.
What is a Health Savings Account?

A Health Savings Account (HSA) is a savings account that allows you to set aside money for health care tax free. It is intended to cover current and/or future expenses. The HSA allows you to use before-tax dollars to pay for eligible out-of-pocket medical expenses for you, your spouse, and your dependents, which in turn saves you tax dollars and increases your spendable income.

How much will Roper St. Francis Healthcare contribute to my HSA?
If you select the Alliance Save plan, Roper St. Francis Healthcare makes a contribution into your Health Savings Account, of up to $1,100. The contribution is pro-rated for new teammates according to the chart below.
What is the maximum contribution I can make into my HSA?

The 2020 maximum HSA contribution limits (including Roper St. Francis Healthcare’s contribution) as set by the IRS are as follows:

  • $3,550 single insured
  • $7,100 family insured
  • $1,000 55+ catch-up contribution

The 2021 maximum HSA contribution limits (including Roper St. Francis Healthcare’s contribution) as set by the IRS are as follows:

  • $3,600 single insured
  • $7,200 family insured
  • $1,000 55+ catch-up contribution

Your contributions can be made at any time during the year in any increment, including the following.

  • All at once at the beginning of the year
  • All at once at the end of the year
  • In equal amounts during the year
Who is eligible for an HSA?
There are four federal requirements to be eligible for HSAs:

  • A person must be covered simultaneously by a qualified HDHP.
  • The HSA enrollee cannot be covered by any other health insurance plan, such as a spouse’s plan
  • The HSA enrollee must not be enrolled in Medicare
  • The HSA enrollee cannot be claimed as a dependent on someone else’s federal income tax return
How do I use my HSA?

When you enroll in the Save plan, an HSA account will be opened for you. You will have access to a secure, easy-to-use web portal where you can track your account balance, view your investment accounts, and submit requests for reimbursements. You can also access your account with the mobile app.

You will also receive a CYC Visa® Debit Card to use for qualified medical expenses at doctors’ offices, hospitals, and pharmacies. When you use the card to pay for services, the payment is automatically withdrawn from your account. Just keep receipts for your own records.

Monthly statements and annual tax documents are issued for the HSA deposit account and Mutual Fund Investment Account, and can be accessed through the web portal or mailed to your address on file if elected through the portal. You may access your HSA through the web portal at or through the myCYC mobile app. (Learn more, including download information, at Benefits Apps,)

What is allowable for HSA payments or distributions?
Traditional medical costs, such as diagnosis and treatment of disease are allowable, as well as routine medical visits. In addition, many expenses that may not be covered by traditional health insurance can be paid for through HSA accounts. These include prescription drugs and some non-prescription drugs, eye care, dental care, COBRA premiums, acupuncture, Braille books, midwife services, seeing-eye dogs, qualified long-term care services and more. A more complete list can be found in IRS Publication 502 Medical and Dental Expenses for the tax year in question.
What happens if I use my HSA funds for non-medical expenses?

If an enrollee uses HSA money for non-medical expenses and is under the age of 65, he or she will incur a 20 percent penalty in addition to owing regular federal income tax on such amounts. After age 65, there is no 20 percent penalty, but regular federal income taxes would apply for non-medical expenditures.

What happens to my HSA if I leave Roper St. Francis Healthcare?

The money you contribute to your HSA, either through payroll deductions or other deposits, is yours. The HSA account is in your name and you have sole rights to this account, regardless of what company you work for. Even the contribution RSFH makes to your HSA is money you keep. Once the funds are deposited to your account the money belongs solely to you. It cannot be forfeited due to separation of employment.

Summary of HSA advantages
  • Triple Tax Advantages – Pre-tax contributions to your HSA, tax-exempt interest and investment gains on your HSA and tax-free withdrawals from your HSA for qualified medical expenses
  • Unprecedented Control – You are now in control of how your health care dollars are used – save or spend, it’s your choice
  • Portability – Your HSA is an account that you own and remains in place regardless of where you work or what insurance company you are insured by
  • Flexibility – Your HSA contributions can be used to pay for a wide range of eligible medical expenses not typically covered by low deductible health insurance or other health care accounts
  • Planning for the Future – HSA contributions can be directed toward long-term investment vehicles, such as mutual funds, to maximize the future value of your HSA

Have a Question?

Review the information found throughout this site. If you can’t find an answer to your question, please email or call (843) 720-8400, Option 2.