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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 Benefits Portal 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.
You are not required to drop WKU's health plan coverage.  If you choose to enroll in Medicare, WKU's health plan coverage will be your primary coverage.  Those enrolled in our Healthy Saver/HSA eligible health plan will need to discontinue contributions to their HSA.  If you do enroll in any part of Medicare (including Part A), you will not be eligible to enroll in the Healthy Saver/HSA eligible plan in future years.  Please contact a member of the Employee Wellness & Benefits team for any additional questions.

 

 Health Savings Account (HSA)

HSA stands for Health Savings Account.  The HSA is paired with WKU's high deductible health plan (HDHP).  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 Health Savings Account (HSA), you must meet the following requirements:

  • You must be covered under a qualified high deductible health plan (HDHP) – WKU’s Saver Plan is a qualified HDHP
  • You are not enrolled in Medicare (Part A or Part B)
  • 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 Flexible Spending Account (FSA) or Health Reimbursement Arrangement (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 Benefits Portal 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 $3,500 for single and $7,000 for family. There is an additional $1,000 catch up contributions allowed for individuals between age 55 and up. 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 WKU's PPO health plans.  Additional details and frequently asked questions about HRA’s can be found online at www.healthequity.com
Any unused funds in your Health Reimbursement Arrangement (HRA) will carry-over to future plan years.  
No, Health Reimbursement Arrangement (HRA) contributions must be used for expenses incurred in the current plan year.  You cannot use current HRA funds for prior plan year expenses.  
You can have both a Health Reimbursement Arrangement (HRA) and a full-purpose Healthcare Flexible Spending Account (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 funds into a Healthcare FSA up the annual IRS limit ($2,700).  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 (with re-election) 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 $2,700 per year) to an FSA to use for medical, dental, and vision expenses.  The FSA can be used with WKU's PPO health plans.  Unused 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 $2,700 per year) to a Limited-purpose FSA to use for dental and vision expenses only.  The Limited-purpose FSA can be used with the high deductible health plan.  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. 

Those who waive WKU Health Plan Coverage, will receive up to $500 per year* into a FSA (or Limited FSA if contributing to a HSA).

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

*$500 is prorated monthly based on benefit effective date.

Up to $500 in unused funds in the Healthcare FSA or Limited-purpose FSA will carry-over to future plan years.  Employees must continue participation in the FSA plan for the carry-over funds to apply. 

Unspent funds in a Dependent Care FSA as of December 31st are forfeited.

No, FSA funds must be used for expenses incurred in the current year. 
You can have both a Health Reimbursement Arrangement (HRA) and a full-purpose Healthcare Flexible Spending Account (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 funds into a Healthcare FSA up the annual IRS limit ($2,700).  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 (with re-election) so there is a risk of forfeiture.  

 

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 Employee Wellness & 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 9/13/19