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The Fischer Homes HSA Basic plan, through United Medical Resources, has a national network of physicians and hospitals. If you prefer to use an out of network provider, you will pay a larger portion of the cost of the services provided. Routine, preventive services such as annual physicals, ob/gyn exams, and immunizations are covered at no cost to you if you obtain these services from a network provider.
The chart below is a summary of the key features of the HSA Basic Plan. For more information about coverage with this plan please refer to the Summary of Benefits and Coverage, call UMR 1-800-826-9781 or visit the United Medical Resources website.
| HSA Plus Plan | |
|---|---|
| Medical plan Feature | in Network |
| Paycheck Contributions | Lower |
| Employer HSA Contribution | $1,080 / $1,440/ $1,560/ $2,040 |
| Annual Deductible | $4,000 / $8,000 |
| Out-of-Pocket Maximum | $6,550 / $13,100 |
| Coinsurance | 20% |
| Office Visit (PCP/SPCC) | $20% After Deductible |
| Emergency Room | $20% After Deductible |
| Urgent Care | $20% Coinsurance |
| Preventive Care/Screenings | No Charge |
| Diagnostic Tests/Imaging | 20% Coinsurance |
| Pharmacy Benefits | OptumRx |
| Prescription tiers | $10 / $35 / $60 |
Click here to view all Medical Plan Options.
The Associate premium rates for 2024 are shown in the table below.
| Bi-Weekly | Annual | |
|---|---|---|
| Associate Only | $33 | $792 |
| Associate Plus Spouse or Domestic Partner | $128 | $3,072 |
| Associate Plus Child(ren) | $95 | $2,280 |
| Family | $218 | $5,232 |
Associates that enroll in the HSA Plus Plan must open an HSA account with Heartland Bank.
In addition to contributions you may make to your HSA account, Fischer Homes also contributes to your Health Savings Account each pay, helping you offset the higher out-of-pocket expenses of this plan. The bi-weekly contribution amount is based on the level of coverage selected:
| Bi-Weekly Contribution | Annual Contribution | |
|---|---|---|
| Associate Only | $45 | $1,080 |
| Associate Plus Spouse or Domestic Partner | $65 | $1,560 |
| Associate Plus Child(ren) | $60 | $1,440 |
| Family | $85 | $2,040 |
ID Card
Sign into your medical plan account to view your member ID card online, or download the United Medical Resources App.
Opening Your HSA with Heartland Bank
All Associates enrolled in one of the HSA plans must open a HSA account with Heartland Bank. Complete and return your application to payroll@fischerhomes.com to open your account.
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