Health Saving Account (HSA)

A Health Savings Account (HSA) combines high deductible health insurance with a tax-favored savings account. Money in the savings account can help pay the deductible. And money left in the savings account earns interest and is yours to keep.

For 2025, you can contribute up to $4,300 as a single and $8,550 if you enroll as a family. Additionally, if you are age 55 or older, you are eligible to make a catch-up contribution of $1,000.

You may elect to change your contribution amount at any time throughout the year!

How do I setup my Teladoc account?

Click here to learn more.
How do I download the Teladoc app?

Click here for Apple devices. Click here for Android devices.
How do I print an ID card?

Click here to learn more.
Where can I get my prescription filled?

Many standard prescriptions can be filled at your local retail pharmacy. You can review the national chain options here. Specialty medications are generally filled at Kroger Specialty pharmacy or Senderra Rx. Click here for more information. Do you prefer the convenience and potential cost savings of mail order? You have three options for mail order: Amazon Pharmacy - click here for enrollment instructions Walmart Pharmacy - click here for enrollment instructions Cost Plus Drugs - click here for enrollment instructions
What medications are covered?

Click here to determine which medications are covered under your plan and any applicable limitations.
What information can I access when I register on the SmithRx website?

When you register for a free account on https://member.mysmithrx.com/, you can look up covered medications new or past-filled medications. You can also find in-network pharmacies from their national network of over 68,000 participating locations. Click here to learn more.
How do I fill a specialty prescription?

A specialty prescription is for special medicines that may cost more and need extra care, often used for serious health conditions. Follow these required steps to fill a specialty prescription: Initiate the Prescription: Request your doctor to send your prescription to one of the SmithRx specialty pharmacies. Choose between Kroger Specialty Pharmacy or Senderra. Click here for more information and contact details. Kroger Specialty Pharmacy: 888-355-4191 Senderra: 888-777-5547 Prior Authorization: Your physician must complete and submit a prior authorization to SmithRx to obtain approval for your medication under your plan. Connect with Support: Reach out to the SmithRx Connect Team at 1-844-385-7612. They'll assess if you're eligible for any patient assistance programs to help you save on the cost of your medication. If not, they'll guide you through applying for any available manufacturer coupons. This step is required before you can fill your specialty medication.
What is the SmithRx Connect program?

Did you know your local retail pharmacy may not always be the lowest cost option? SmithRx Connect can help you navigate alternative sources and hold your hand through the process. Click here to learn more.
I'm looking to use mail order. Where does my doctor send my script?

Your doctor will send your mail order script to either Amazon Pharmacy, Walmart Pharmacy, or Cost Plus Drugs. You must first be enrolled in mail order: Amazon Pharmacy - click here for enrollment instructions Walmart Pharmacy - click here for enrollment instructions Cost Plus Drugs - click here for enrollment instructions
How can I find the best price on my medication?

Use the Find My Meds tool, found at https://member.mysmithrx.com/. Click here to learn more.
What should I tell my doctor if they need to submit a script?

If you are not using mail order pharmacy, tell your doctor to send the scripts to your preferred pharmacy, like CVS or Walgreens, for example.
When can I make changes to my benefit elections?

You can make changes to your benefit elections during your healthcare and benefits open enrollment OR if you have a qualifying life event (QLE). A QLE is a change in your situation, like a marriage, divorce, or having a baby, for example, which allows you to make changes to your health insurance. Take a look a this document for more information. You have 30 days to submit your changes online through our benefits enrollment system. Here's an overview of qualifying life events from Healthcare.gov. If you have a QLE, contact your Lacher Benefits Advocate.
I think a provider is billing me an incorrect amount for a service, what should I do?

First, make sure you compare the bill you received with the EOB from the insurance. If you need to locate an EOB you can find one by logging into your account at www.myuhc.com. If the bill does not match the EOB, please contact your Lacher benefits advocate for further assistance.
Where should I go for medical care?

Take a look at this flyer to learn about your choices when it comes to where you should receive care. High level overview: Primary Care Physician - This is your home base. Your doctor knows your history and is a good place to start. Cost to you: Option 1: $25 copay after deductible Option 2: $0 after deductible Emergency Room - Go to an ER when you have a life-threatening issue. Cost to you: Option 1: $300 copay after deductible Option 2: $0 after deductible Urgent Care - Consider an urgent care center for non-life threatening condition. You'll save time and money over the ER. Cost to you: Option 1: $50 copay after deductible Option 2: $0 after deductible Telemedicine - Consider using telemedicine for non-life threatening conditions, and when you need 24/7 care. Cost to you: Option 1: $0 after deductible Option 2: $0 after deductible
How do I change my plan or enroll my dependents?

You can make plan changes and enroll dependents during open enrollment, or if you have a qualifying life event, by visiting https://www.paycomonline.net/v4/ee/web.php/app/login.
Why did I get billed for my preventive care visit?

While regular medical care focuses on treating illness, preventive care aims to keep you from getting sick in the first place by focusing on helping you maintain good health. When you visit your doctor for a preventive care service - like a physical exam or a health screening - you should not be billed. However, if you ask your doctor about a specific health concern while you are at your preventive care visit, it may be billed as an office visit, and not a preventive care visit. Here’s how to be sure your preventive care visit is free for you: Mention prevention upfront – When scheduling your appointment, confirm that you are scheduling a preventive care visit. Know what to discuss with your doctor during the visit – During your visit, keep the conversation focused on how you can maintain a healthy lifestyle. Ask your doctor - If you do ask questions about a specific health concern while at your visit, ask your doctor if that will be treated as an office visit or as a preventive visit. Let your doctor know you are expecting this visit to be of no charge to you. For more information about preventive care, contact your Lacher benefits advocate.
Why is the insurance sending me a statement that says, “this is not a bill”?

After submitting a claim for medical treatment, you may receive an Explanation of Benefits (EOB) from your insurance company. The EOB is a form that insurance companies send to their members to explain what part of a claim was paid by insurance, what part was not paid, and why. It is important to understand what this statement means.
Who do I talk to if I have a problem with a claim or questions about my benefits?

You may contact our Lacher Benefits Advocate, Heather Malik at 215-660-0353 or heather@lacherinsurance.com.
Insurance carrier contact information

Medical and Prescription United Healthcare 1-800-414-9025 www.myuhc.com HSA QNB Bank 1-800-491-9070 www.qnbbank.com
Getting started with United Healthcare

Click here to learn more about the UHC member portal.
Search for a Medical provider

Click here and select the "Choice Plus" network.
Dental insurance carrier contact information

Delta Dental 1-800-932-0783 www.deltadental.com When you access dental care, you can simply let your provider know your social security number and your group number, which is 97413-01021.
Search for a Dental provider

Click here and select Delta Dental PPO.
Search for a Vision provider

Click here and select the "Insight" network. Learn more.
Vision insurance carrier contact information

Mutual of Omaha 1-800-228-7104 www.mutualofomaha.com
What is a Coordination of Benefits and how often do I need to complete it?

You are required to update your United Healthcare Coordination of Benefits information every year so that they can properly process your claims. Coordination of Benefits information confirms whether you and/or your enrolled dependents have insurance coverage other than your employer's and if so, what that other insurance is, so that they can determine proper payment responsibilities for claims. If your Coordination of Benefits is updated yearly or as requested, your claims will be processed. Click here for the Coordination of Benefits form. If you'd like to complete the Coordination of Benefits online, you can do so once you are registered on the UHC portal.
Will I get a dental ID card?

No. When you access dental care, let the provider know that you have Delta Dental, through your employer, Derstine's. The doctor may ask you to confirm your personal information such as social security number and date of birth to confirm your benefits.
How do I register on the United Healthcare portal?

When you register on the UHC portal, you will have access to print an ID card, view your claims, or find an in-network doctor. Visit www.myuhc.com. If you do not have your ID card, please feel free to contact your Lacher benefits advocate to obtain your Member ID.
What are Health Savings Account (HSA) eligible expenses?

See this document from the IRS for information. Scroll to page 5.
How does the Health Savings Account (HSA) work?

HSAs are a great way to save money and efficiently pay for medical expenses because they are tax-advantaged savings accounts that accompany high deductible health plans, or HDHPs. HSA money can be used tax-free when paying for qualified medical expenses. At the end of the year, you keep any unspent money in your HSA. This rolled over money can grow tax-free. Your HSA and the money in it belongs to you—not your employer or insurance company. Learn more:
How do I get a new HSA debit card or check my balance?

Login to your QNB Bank account or contact them by phone: QNB Bank 1-800-491-9070 www.qnbbank.com
How can I change my HSA contribution?

You can change your contribution amount any time throughout the year. Log in to Paycom to make your change.
Medical

Special Enrollments Rights, Marketplace information, Women's Health & Cancer Rights, and CHIP Notices Medical Plan Option 1 - Summary of Benefits & Coverage Medical Plan Option 2 - Summary of Benefits & Coverage HIPAA Privacy Notice Your Rights and Protections Against Surprise Medical Bills
Medicare

Medicare creditable coverage disclosure notice
Dental

Click here for the plan overview Click here for legal information
Vision

Vision Benefit Summary Online Reference Guide
Can I enroll in Short-Term Disability if I waived the benefit previously?

You will need to complete the Evidence of Insurability form if you want to enroll and initially waived the benefit as a new hire. The form is found here: www.guardiananytime.com/eoi/. The group ID is 570711. If you answer any of the questions on the EOI form with a “yes”, you may be declined.
How do I file a claim?

Short-Term Disability - to learn how to file a claim, click here. Please reference our Group ID, which is 570711. Long-Term Disability - to learn how to file a claim, click here.
How do I enroll in, or increase my, Voluntary Life Insurance?

You will need to complete the Evidence of Insurability form if you want to enroll and initially waived the benefit as a new hire. The form is found here: www.guardiananytime.com/eoi/. The group ID is 570711. If you answer any of the questions on the EOI form with a “yes”, you may be declined.