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Frequently Asked Questions


General

If you experience a qualifying life event, you may edit your benefits within 31 days of the event date. Log in to BenefitFocus to make your changes. Be sure you have documentation available should they be necessary for your life event.

Log in to www.MyRetirementManager.com to edit or begin contributions.  Additionally, contact the vendor you choose to set up an account if you don’t already have one.

Anthem (Medical)

1-844-248-1153

www.anthem.com

 

Delta Dental KY (Dental)
1-800-955-2030

www.deltadentalky.com

 

Avesis (Vision)

1-855-214-677

www.avesis.com

 

HealthEquity (Spending Accounts)

1-877-713-7712

https://healthequity.com/

Yes, you have worldwide coverage with your Anthem health plan.  Anthem provides a list of doctors and hospitals in-network in the area you will be traveling. In addition, our life insurance carrier, Lincoln Financial Group, offers some travel assistance services as well. To learn more, visit the "Coverage Abroad" tab in the side navigation of this page.

 

 Health Savings Account (HSA)

HSA stands for Health Savings Account.  The HSA is paired with the Saver/2,700 Health Plan.  Both the employer and the employee can contribute to the HSA.  Individuals enrolled in Medicare are not eligible to participate in the HSA plan.  Additional details and frequently asked questions about HSA’s can be found online at http://healthequity.com/learn/how-an-hsa-works 

To be an eligible individual and quality for an HSA, you must meet the following requirements:

  • You must be covered under a qualified high deductible health plan (HDHP) – WKU’s Saver 2,700 Plan is a qualified HDHP
  • You are not enrolled in Medicare
  • You cannot be claimed as a dependent on someone else’s tax return
  • You have no other health coverage except what is permitted (as described below)

An employee cannot be covered under an HDHP and contribute to an HSA if:

  • You are covered by another non-HDHP plan with a health care FSA or HRA that reimburses qualified medical expenses
  • This includes a spouse’s plan, even if you are not enrolled on the plan, because you are considered to be covered under the HRA or FSA as an IRS eligible dependent

An employee can be covered under an HDHP and contribute to an HSA if:

  • You are covered by another HDHP plan with an HSA; however, your annual contributions cannot exceed the IRS family limit
  • You have a Limited-purpose FSA or HRA for dental and vision expenses only
Log in to BenefitFocus and click the button on the right side of the screen that reads "click here to view your current benefits or enroll."  On the left side menu under Manage Account, click on View HSA Contribution. You can start or change your contribution based on the payroll dates from the drop down box.
Any unused funds in your HSA will carry-over to future plan years.  Remember, you own the account, so the money is yours to keep, even if you leave WKU.
Yes, if you had an HSA in prior years, you can use it for any expenses incurred after the HSA account was initially opened.  For example, if you have receipts for expenses you paid out of pocket in 2017 but your 2017 HSA account was exhausted, you can submit those claims for reimbursement using new HSA contributions in 2018.
The annual IRS limit for HSA contributions is $3,450 for single and $6,750 for family. There is an additional $1,000 catch up contributions allowed for individuals between age 55 and 65. Both employer and employee contributions count toward the annual limit. Balances carried forward from the prior plan year do not count toward the annual contribution limit.  

 

Health Reimbursement Arrangement (HRA)

HRA stands for Health Reimbursement Arrangement.  The HRA is paired with the Healthy PPO/1,000 and Healthy PPO/1,500 Health Plans.  WKU also contributes $125/month into a HRA for employees who opt out of the WKU Health Plan.  Additional details and frequently asked questions about HRA’s can be found online at www.healthequity.com
Any unused funds in your HRA will carry-over to future plan years.  
No, HRA contributions must be used for expenses incurred in the current or future plan years.  You cannot use HRA funds in the current plan for prior plan year expenses.  
You can have both a HRA and a full-purpose Healthcare FSA and both can be used for medical, dental or vision expenses.  Only WKU can contribute to the HRA, but you can contribute pre-tax money into a Healthcare FSA up the annual IRS limit ($2,550).  The FSA funds will be used first and HRA funds will be used when the FSA account is exhausted.   Remember, the FSA account only allows for up to $500 in unspent funds to carry over to the next plan year so there is a risk of forfeiture.  

 

Flexible Spending Account (FSA)

FSA stands for Flexible Spending Account.  There are 3 types of FSA’s available to WKU employees:

  1. Healthcare FSA – Employees can contribute pre-tax funds (up to $2,650 per year) to an HC FSA to use for medical, dental, and vision expenses.  The HC FSA can be used with the PPO/1,000 and PPO/1,500 Health Plans.  Unused HC FSA funds up to $500 can be carried-over to the next plan year.  Employees must continue participation in the FSA plan for the carry-over funds to apply.
  2. Limited-purpose FSA – Employees can contribute pre-tax funds (up to $2,550 per year) to a Limited-purpose FSA to use for dental and vision expenses only.  The Limited-purpose FSA can be used with the Saver/2,600 Health Plans.  Unspent funds up to $500 can be carried-over to the next plan year.  Employees must continue participation in the FSA plan for the carry-over funds to apply.
  3. Dependent Care FSA – Employees can contribute pre-tax funds (up to $5,000 per year) to a Dependent Care FSA to use for day care related expenses for children and adult care expenses.  Funds must be used by December 31st each year. 

Additional details and lists of FSA eligible expenses can be found online at www.healthequity.com  

Up to $500 in unused funds in the Healthcare FSA or Limited-purpose FSA will carry-over to future plan years.  Unspent funds in a Dependent Care FSA as of December 31st are forfeited.
No, FSA contributions must be used for expenses incurred in current or future plan years.  You cannot use FSA funds in the current plan for prior plan year expenses.  
You can have both a HRA and a full-purpose Healthcare FSA and both can be used for medical, dental or vision expenses.  Only WKU can contribute to the HRA, but you can contribute pre-tax money into a FSA up the annual IRS limit ($2,550).  The FSA funds will be used first and the HRA funds will be used when the FSA account is exhausted. 

Remember, there is a risk of forfeiture as the FSA account only allows up to $500 in unspent funds to carry over to the next plan year, but you must re-enroll for the FSA to receive the carry over.

 

Contact Health Equity

Please visit www.healthequity.com for additional information about the HSA, HRA and FSA benefit plans and to review lists of IRS eligible expenses.

Contact WKU Benefits Team

Email benefits@wku.edu if you have any additional questions.

Some of the links on this page may require additional software to view.

 Last Modified 5/8/18