USING YOUR HEALTHEQUITY ® MEMBER PORTAL

1. USING YOUR HEALTHEQUITY®MEMBER PORTAL

2. BENEFITS OF A HEALTHEQUITY® HSA 1. Easy-to-use online access to claims and payments • Integrates with 40+ national health plans • Enroll in HSA and health plan, access claims, pay bills/get reimbursements from a singleonline portal 2. Live service any day, anytime • Live Member Services specialists available 24/7/365

3. BENEFITS OF A HEALTHEQUITY® HSA • 3. Remarkable education and support • Help negotiating payment schedules with a provider • Safe, effective ways to save on health care costs • Average costs for your ZIP code • Tax tips about HSAs—for now and the future • 4. Plus: • FDIC-insured cash deposits • No setup or inactivity fees • Competitive interest rates • Free investment options with no transaction fees—something most banks don’t offer

4. MEMBER EXPERIENCE

5. MEMBER EXPERIENCE Open Enrollment Meetings and Communications Account Screeningand Set Up Ongoing Interactions 60–90 days prior 40 days prior 20 days prior 17 Days prior 15 days prior Plan Yr. Begins Ongoing Enrollment HealthEquity Receives Enrollment Welcome Kit and Debit Card First Login to Web Portal 01001010010110

6. MEMBER PORTAL WEB TUTORIALSwww.healthequity.com/tutorials

7. MEMBER PORTAL: Log On at www.myhealthequity.com

8. VIEW AND PAY CLAIMS ONLINE

9. PREPOPULATED WITH CLAIMS DATA

10. EASY-TO-USE ONLINE BILL PAY

11. Q & A

12. HSA HOW TO:Doctor Visits Go to the doctor Doctor sends insurance company the bill Provider sends bill to employee No co-pays Insurance carrier adjusts price based on discounts Employee pays the provider with HealthEquity® Visa®Health Account Card* *This card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC.

13. HSA HOW TO:Pharmacy Prescriptions Go to pharmacy Pharmacy applies discount Pharmacy sends claim to insurance company Show medical ID card Pay with HSA card Insurance company applies amount to your deductible–no paperwork needed

14. 10 FREQUENTLY-ASKED QUESTIONS • How do I contribute to my HSA? • Payroll deduction for pre-tax contributions. For post-tax, call HealthEquity, go online and set up EFT, or send a check with form. • How do I find out my account balance? • Go online or call HealthEquity. • How do I use my HSA to pay for my prescriptions? • Simply swipe your HSA Visa card at the pharmacy. • I forgot to pay for a prescription with my HSA card, how do I get reimbursed? • Go online to set up EFT to reimburse yourself or call HealthEquity. • Where can I use my HSA card? • Run it like a credit card at your pharmacy or medical office.

15. 10 FREQUENTLY-ASKED QUESTIONS Can I get a card for my spouse? Yes. Just let HealthEquity know when you activate your card. Will I receive a statement for my account? Yes, monthly. Is my HSA FDIC insured? Yes. (Funds you choose to invest are not). Does the money I have in my HSA roll over from year to year or do I lose the money at the end of the year? The money rolls over year to year. You don’t lose the money in your HSA. It’s your money. And you earn interest on it! Do I pay for the full doctor’s office visit when I go to the doctor? Some doctors require you pay upfront; most will bill you later. Remember, you’re only responsible to pay the discounted amount determined by your insurance benefit. Don’t let the doctor overcharge you at the point of service.

16. MEMBER SERVICES HealthEquity Member Services is open all day, everyday, 24/7/365 866.346.5800 Understand and manage the financial side of health care Save and spend health care dollars more wisely Build equity in your health plan

17. Any Questions? YOUR QUESTIONS? Thank You