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Get the most from your Health Savings AccountYour guide to your HSA and online account access
Contents
Getting started .................................................................................................................................... 2
Accessing the Avidia Health Wealthcare ................................................................................................. 2
Registration ......................................................................................................................................... 2
Secureauthentication ......................................................................................................................... 2
Yourfirsttimeloggingin ...................................................................................................................... 3
How to access your account: Viewing basic account information ......................................................... 3
Putting money in your HSA: Understanding HSA funding ..................................................................... 5
How to link your bank account(s) ............................................................................................................ 5
Makingacontribution ............................................................................................................................. 6
Spending your HSA funds: Withdrawing money ................................................................................... 7
Accessing important documents: Retrieving tax forms and statements ................................................ 9
Tax forms ................................................................................................................................................. 9
Statements .............................................................................................................................................. 9
Making the most of your money: Managing your HSA investments .................................................... 10
Transfer to investments ......................................................................................................................... 11
Makeportfoliochanges ......................................................................................................................... 12
Questions about managing your HSA? ............................................................................................... 13
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Getting startedThe Avidia Health Wealthcare Portal provides quick & easy access to manage your health savings account (HSA). This guide will help you understand how to use the online portal to manage your account and get the most value from your HSA.
Accessing the Avidia Health Wealthcare Portal
TheAvidiaHealthWealthcarecanbeaccessedbynavigatingtothefollowing URL in your internet browser:
• https://avidiabank.wealthcareportal.com/Page/Registration
RegistrationStep 1.Ifthisisyourfirsttimeaccessingyouronlineaccount, simply click the registerbuttonatoptherightcorner of the home screen.
Step 2.Completetheregistrationform(asshownbelow).Choose a Username and password. The Registration/Employer ID is the group ID provided by your employer. The Employee ID is your 9-digit SSN (no dashes).
Step 3. Check the box I accept Terms of Use and click NEXT. This process may take a few seconds. Donotclickyourbrowser’sbackbuttonorrefreshthepage.
Secure authenticationTheregistrationprocessalsoinvolvessettingupyoursecureauthenticationparameters.Thishelpsensureyouraccountissafeand secure.
Step 1.Selectyoursecurityquestions.You’llselectfoursecurityquestionsandprovideyourtopsecretanswers. Thesequestionswillbeaskedrandomlyduringsubsequentloginattempts–toensurenounauthorizedaccesstoyouraccount.
Step 2. Verify your email address. When prompted, enter your email address and click complete.
Step 3.Submityourinformation.Onthenextpage,you’llbeaskedtoverifytheinformationyou’veenteredduringthesecureauthenticationprocess.Afterreviewingand confirmingtheaccuracyofthisinformation,clicksubmit setup information.Yourregistrationprocess is now complete.
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Viewing basic account information:Upon login, yourHSAbalance,interest,contributions,andotherimportantaccountinformation is displayed on the account details page.
Additionaldetailscanbefoundontheaccount details page by clicking the view detailsbuttonatthe topleftofthepage.Thisdisplaysyouraccountdetails,asshownbelow.Thispagedisplays informationrelatedtoyourcurrentbalance,investmentbalance,currentandprioryeardeposits,andotherimportantaccountinformation.
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Putting money in your HSA: Understanding HSA fundingPuttingmoneyinyourHSAissimple.First,you’lllinkyourpersonalbankingaccount(checkingor savings)toyouronlineHSAaccount.Oncelinked,you’llbeabletoeasilytransferfundsfromyourbankaccount(s) into your HSA.
How to link your bank account(s)
Step 1. Navigate to the HSA summary page. Click the contributionsbutton> click the bank accounts button.
Step 2. Click the add accountoptiononthe lower right hand corner of the bank accounts for external funding page. A pop-upwindowwillappear,promptingyoutoenteryourbankaccountinformation.After enteringyourbank’sroutingnumberandyourpersonalbankaccountnumber,clicksubmit.
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Step 3.Aftersubmitting your bank account information,a validationprocessis initiated.Twosmall credits and one offsettingdebitareprocessed against your account. To complete thisvalidationprocess,you must enter these transactionamountsintheonlineportal.
From the bank accountspage,clicktoexpendthebankaccountlisting,andclickthevalidate accountoption.Simplyentertheamountsinthebankaccountvalidationpop-upscreen(fromstep 2 above) and click submit. You may fund your HSA from this account as soon as the validationprocesscompletes.
Making a contributionAfteryou’vesuccessfullylinkedabankaccounttoyourHSA,makingacontributionissimple.Clicktheadd contributionbuttonfromthedeposits / contributions page. Simply enter a date, amount, and select the bank account from which you with to pull funds. Click submit.
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Yourcontributionwillimmediatelyappearonthependingtransferspage,andwillremainthereuntilthefundstransferprocessiscomplete.Itwillalsoappearonthetransactionshistorypage.
Spending your HSA funds: Withdrawing money Using and spending your HSA funds is simple. You can simply use your debit card, or make payments to providersforqualifiedservices,ortoyourselftoreimburseyourselfforscenariosinwhichyoupaid usingnon-HSAfundsandwouldliketosubsequentlyfileforreimbursementfromyourHSA.
Toaccessbillpaymentoptions,navigatetobill pay and click the bill pay button.
When using the bill pay feature within the online portal to withdraw funds from your HSA, you can chooseoneoftwooptions:
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• Pay yourself.Usethisoptiontoreimburseyourself for HSA-eligible out-of-pocketexpenses. Either a check or directed depositgets issued to your mailing address or bankaccount.
• Pay someone else.Usethisoptiontopayamedical provider directly. You can add aprovider or select from those already listed. Acheck will be issued directly to your provideron your behalf.
You may also opt to have payments issued on an automated, recurring basis (either weekly or monthly), as shown below:
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Accessing important documents: Retrieving tax forms and statementsThe online portal provides you access to important tax forms and account statements. These are located in the HSA account details page.
Tax formsTaxformsareavailablefordownloadinPDF-formatonthispage.Oncegenerated,thesedocuments will be stored in the online portal for three years.
Simply click the deliver preferencesbuttontochange your delivery method. You can choose from electronic only, or both paper and electronic delivery. If you choose electronic only, you must completeabriefverificationtesttoensureyoucanopenandviewPDFfiles.
If you choose the paper delivery method, there may be additionalfeesassessedtoyouraccount.
StatementsLiketaxforms,statementsarealsoavailableinPDF- format. Statements will generate and populate quarterly. Statements willincludealltransactionsforthepriorquarter.These statements get stored in the online portal for 18 monthsfromthetimetheyaregenerated.
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Like tax forms, you can click the delivery preferencesbuttontochangeyourpreferreddeliverymethod.
Making the most of your money: Managing your HSA investmentsIf you’ve enrolled in an investment account through your HSA, the online portal is where you can:
• View investment balancesandportfolioinformation
• Make transfers from ourHSA to your investmentaccount
• Makeportfoliochangesandtrades
Afterloggingintotheonlineportal,click the investmentbuttononyour HSA account page. The HSA investment page displays your portfoliobalanceandinvestmentallocationinformation.
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Transfer to investmentsTo transfer funds from your HSA to your investment account, click the transfer to investmentsbuttonatop the HSA investment page. Simply enter the amount you wish to transfer and click submit.
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Make portfolio changesTomakechangestoyourinvestmentaccount,includingportfolioandinvestmentallocations,clicktheview/tradebuttonatoptheHSA investment page. You’ll be directed to a page where you can make changestoyourportfolioandaccessothertoolstohelpyoumanageyourinvestmentaccount.
The maintain balance is the minimum balance that must be maintained in your HSA in order to be eligible to invest. You can transfer any amount over this balance, minus any pending transfers, into your investment account (displayed on this screen as the ‘available to invest’ amount).
This screen displays the minimum and maximum amount you can transfer forthistransaction.
Oncesubmitted,youraccount transfer will be completed within 2-3 business days.
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Questions about managing your HSA?Havequestions?WanttolearnmoreabouthowyourHSAcanhelpyouoptimizeyourhealthcarespendingandsaveforthefuture?Contactusat855-248-6311orvisithsainfo@avidiabank.com.
