Health SavingsAccount

PHIM to provide you and your family with the care you need... to save on many of your healthcare and travel expenses

Enroll-PHIM v01.01.00

Save 60-75% on healthcare and Travel expenses...its easy!

You can plan for maximum savings
You dont have to be sick to save with a healthcare Savings Spending Account (HSA)! There are some health expenses you can plan for: Knee replacement, dialysis, heart surgery, your annual physical...even your maintenance prescriptions. Youre going to spend this money anyway; why not save on every dollar?

Go to www.onehealthcarece ntre.com and use our tax-savings calculator to determine YOUR annual savings

Healthcare Savings have more spending muscle

Saving in advance for your healthcare needs is the real deal! Depending on your country, youll save 50 to 75 percent of each treatment and prescription with PHIM. This translates into real money in your pocket. You can save on approved healthcare expenses as well as your travel expenses! See the table below for an example of your possible savings.

Using your HSA is ABC-easy

Pay for your eligible healthcare expenses with the PHIM prepaid benefit card and you wont have to file a claim. If youve left your card at home, dont worry, just send in a copy of your receipt with a claim form and youll receive reimbursement.

Savings Example
With PHIM Plan No PHIM plan

Monthly pay

$4,000 -200

$4,000 0

If your email address was provided at enrollment, you will receive an email when we process your paper claim and another when payment is sent. Check your balance, the history of your claim or the status of your claim at our website, www.onehealthcarecentre.com. Note: Your entire healthcare account balance is available on the first day of your plan year. Your travel account balance becomes available as it is deducted from your pay.
See a 3-minute video about what a PHIM Healthcare Savings Account can do for you! Go to: www.onehealthcarecentre.com

Contribution to the plan Taxable Income Taxes withheld from pay* Out-of-pocket expenses Net income

3,800 -1,142 0 $2,658

4,000 -1,202 -200 $2,598

Tax Savings = $60 per month!

* Savings will vary based on tax bracket. Example shown calculated at 7.65% social security, 17.4% federal and 5% state income tax savings

Use your money...dont lose it!

Planning will pay off when you see the savings on every dollar you contributed to your account. Use the worksheet on the back of this brochure to calculate what you actually spend per year...youll be surprised. Add on the sure things like your annual physical or the vision care you have scheduled. Dont bet on expenses you might have, such as elective surgeries you have not yet discussed with your doctor. Any money remaining in your account at the end of the plan year will be forfeited.

PHIM prepaid benefit card helps you save time, money and paperwork
Checkout the list of clinics and pharmacy centers that accept PHIM at www.onehealthcarecentre.com PHIM keeps cash in your wallet. The amount of your purchase will be deducted from your account and you wont have to wait for a check in the mail Dont throw away your PHIM ... you will use the same card for up to five years. Your new election will automatically be available on the first day of your plan year New participants will receive a set of two cards in the mail Call One HealthCare Centre Customer Service to order a set of two extra or replacement cards for a charge of $10 Questions? Call One HealthCare Centre Customer Service 1404.919.6885

Save on all these health expenses...

Cardiovascular treatment Dialysis treatment Artificial limbs Artificial teeth Birth control Knee replacement Childbirth classes Eye Surgeries Contact lenses / solution Contraceptives Crutches Prescriptions Dental treatment Eye exams / eyeglasses Diabetes Fertility treatments Fitness classes (Prescribed) Fluoridation treatments Pediatrics Hearing aid / batteries Hospital services Insulin Laboratory fees Lasik surgery Learning disability Medical monitoring devices Medical services Order Prescriptions Operations / surgery Optometrist Orthodontia Osteopath Physical exams
(non-employment)

Physical therapy Pre-existing conditions Private hospital room Psychiatric care Smoking cessation Speech training Transplants Vaccines Weight loss programs
(prescribed)

Wheelchair X-ray fees

Plus, over-the-counter items...

You may use your Health Savings Account to purchase over-thecounter items that are not considered a drug or a medicine such as bandages, carpal tunnel wrist supports, blood pressure monitors, contact lens solution, beauty care etc. Effective January 1, 2012, Health Savings Account money may be used to purchase over-the-counter drugs and medicines such as ibuprofen, acetaminophen or cough syrup only at One HealthCare Centre Pharmacy Center. Customers can order prescription for over-the-counter medications online with us. A current list of eligible items may be seen at www.onehealthcarecentre.com.

Save on Travel Expenses, too...

Travel expenses and living in a hotel more than 50% of the year Save for your spouse and Save for all travel dependents who, for Expenses and you physical or mental reasons, you will not regret cannot care for themselves

Expenses must be saved while you and your spouse are working, a full-time student and/or actively looking for employment.

130 Grand Avenue Englewood, New Jersey 07631 TEL: 718.509.5542| 404.919.6885 Skype: Affordhealthcare Email:madu@onehealthcarecentre.com www.onehealthcarecentre.com

Once you enroll...

Health Savings Account Annual Expense Estimate

Actual Expenses Last Year Medical Estimated Expenses New Year

To access your account online after the first day of your plan year, go to www.onehealthcarecentre.com You can check your account balance, check the status of paper claims and access the forms you need. If you prefer, call customer service at 404.919.6885 or, outside United States 233.261.11.9217 Review Using Your Health Savings Account, available on the One HealthCare Centre website.
New participants Contact customer service for more information or your country agent.

Co-pays / expenses
Prescriptions Physician visits Hospital visit co-pays /expenses (including Emergency)

$ $ $ $ $ $

$ $ $ $ $ $

Laboratory/testing expenses Deductible expenses Over-the-counter items

(See inside for details) Vision

Eye examination Eyeglasses Contact lenses and solution Lasik surgery Other expenses
Hearing

$ $ $ $ $ $ $

$ $ $ $ $ $ $

Dont Forget! Always save receipts for PHIM HSA purchases

You may be asked to submit receipts to verify that some of your expenses comply with auditing guidelines. Your receipt must show the merchant or provider name, service received or item purchased, date and amount of the expense.

Hearing examination Hearing aid

Dental

Co-pays / expenses
Dental visits Fillings Major work (root canals, crowns, dentures, etc.)

$ $ $ $ $ $ $ $ $ $ $ $

Orthodontia (braces) Deductible expenses Other expenses

Total annual amounts

$ $
130 Grand Avenue Englewood, New Jersey 07631 United States TEL: 718.509.5542| 404.919.6885 Skype: Affordhealthcare Email:madu@onehealthcarecentre.com www.onehealthcarecentre.com

Maximize your savingssee list of eligible expenses inside or check out the list of eligible and ineligible expenses on our website, www.onehealthcarecentre.com