If you enroll in the Cigna HRA (2024),  BCBS HRA (2025), or Kaiser Permanente HRA plans, an HRA account is set up for you.

Each plan year, Veradigm makes contributions to your account that you can use to pay for eligible medical deductible and coinsurance expenses.

Unused HRA funds roll over at the end of the plan year, allowing you to accumulate funds for future healthcare expenses, as long as you remain in the same HRA option from year-to-year.

If you use all of the available funds in your HRA before your deductible is met and/or before the plan year is over, you are responsible for paying all incurred medical expenses and/or remaining deductible. Once your deductible is met, you share the cost of medical services with Veradigm until you reach the out-of-pocket maximum.

Using your HRA

The funds in your HRA are available to use for eligible medical expenses as processed through the Veradigm Medical Plan. Your doctor/healthcare provider submits medical claims to process. Your medical plan provider (Cigna HRA (2024), BCBS HRA (2025) or Kaiser Permanente) will apply any available funds from your HRA toward your claims. Remember, your HRA dollars can only be applied towards deductible and coinsurance expenses incurred with the medical plan. HRA funds cannot be used towards dental and/or vision expenses.

Note: Prescription drug copayments are not eligible for reimbursement under an HRA.

Veradigm HRA contributions

If you enroll in the Cigna HRA (2024), BCBS HRA (2025), or Kaiser HRA plan, you will receive 100% of Veradigm contributions on January 1 of the plan year.

If you enroll in the Cigna HSA (2024), BCBS HSA (2025), or the Kaiser Permanente HSA medical plans and are eligible for a health savings account (HSA), an HSA account is set up for you automatically.

The HSA is a tax-favored savings account that is owned by you. You can use money in your account to pay for qualified health care expenses, including deductibles and copays—or keep it for future expenses, even those you incur in retirement.

Here’s a brief look at how the HSA works:

• Your contributions to the HSA are pre-tax. You can select a contribution amount when you enroll/re-enroll each year, and contributions are taken from your paycheck pre-tax.
• Veradigm also makes contributions to your account.
• The maximum total annual contribution (yours and Veradigm’s) to your HSA is:
  • 2025: $4,300 for associate coverage and $8,550 if you cover dependents.
  • 2024: $4,150 for associate coverage and $8,300 if you cover dependents.
• You can contribute an additional $1,000 if you are age 55 or older.
• Any money in your HSA that you don’t spend stays in your account to help you save for future medical and retiree health care expenses.

Are you eligible for an HSA?

Because HSA plans have certain tax advantages, the IRS defines specific rules for participants.

You are not eligible for an HSA if you:

• Are enrolled in Medicare.
• Are covered by another healthcare plan that’s not a qualified high deductible health plan.
• Can be claimed as a dependent on someone else’s tax return.
• Are covered by veterans’ benefits and have used Veterans Affairs medical services within the past three months. Veterans who have a service-connected disability can participate in an HSA regardless of when they received VA benefits.
• Are enrolled in or covered by a general purpose Healthcare Flexible Spending Account (FSA) or Health Reimbursement Account (HRA), including one through your spouse’s/domestic partner’s employer.

Important: HSAs are personally owned health savings accounts subject to annual IRS maximum contributions. Individuals must monitor their pre-tax elections and Veradigm contributions throughout the tax year to ensure they do not exceed the annual limits. You can review your year-to-date contributions through the single sign-on feature in www.mycigna.com. Changes to pre-tax HSA payroll contributions are permitted anytime throughout the year to account for necessary adjustments.

To change your HSA contributions during the year:

• Go to veradigmbenefitsus.com.
• Click Start Here.
• Select Life Event and then HSA Mid-Year Change.

Changes to your HSA throughout the year will be effective at the beginning of the next month.

Veradigm HSA Contributions

If you enroll in the Cigna HSA (2024), BCBS HSA (2025), or Kaiser HSA medical plans, you will receive a quarterly contribution to your account on the first day of each quarter of the plan year (starting January 1), as follows:

To receive Veradigm’s contributions

Veradigm will contribute to your Health Savings Account (HSA) only if you enroll in either the BCBS or Kaiser HSA medical plan during Open Enrollment. Follow these steps to ensure you receive the contribution:

1. Elect the BCBS HSA or Kaiser HSA medical plan through the Veradigm benefits enrollment system.
2. Confirm your HSA participation:
   • If you want to participate, select “I Want Coverage.”
     • You’ll be prompted to choose your contribution amount for 2025.
     • If you don’t want to contribute but still want Veradigm’s contributions, enter $0 as your contribution amount.
   • If you don’t want to participate, select “Waive Coverage.”
     Note: If you waive coverage, you will not receive Veradigm’s contributions to your HSA.

Important information for current Cigna HSA Plan participants who choose the BCBS HSA Plan for 2025

If you’re currently enrolled in the Cigna HSA medical plan and want to choose the BCBS HSA medical plan for 2025, you must actively enroll in the BCBS HSA plan during Open Enrollment to make contributions to your Health Savings Account (HSA) for 2025.

Please note:

• Your current HSA under the Cigna plan will transfer to HSA Bank.
• HSA Bank will directly administer your account, so the way you access your HSA will change.

Action required: Update your email address

If you’re currently enrolled in the Cigna HSA plan and plan to switch to the BCBS HSA plan for 2025, please log in to your MyCigna.com account and confirm your preferred email address. This ensures your correct email will be on file with BCBS and HSA Bank for a smooth transition.