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Frequently Asked Questions
BLUE SHIELD HIGH DEDUCTIBLE MEMBERS
with a Health Savings Account transition to BCC's SmartCare
New this year: Employees enrolled in a HSA account will need to go online to identify new contribution amounts for the 2021 plan year. All accounts will be defaulted to zero contribution at open enrollment.
Effective January 1, 2020 BCC will be the new HSA administrator for HSA accounts. This change will make it easier for you to manage you HSA account by using their My SmartCare portal.
Your New Avidia Bank HSA Debit Card
You either already have or will be receiving a Welcome package and your new HSA debit card from Avidia Bank via mail. All employees that enrolled in the 2020 HDHP plan had a new HSA account opened through Avidia Bank.
This new account will be used starting January 1 to deposit your 2020 contributions and the County's 2020 contribution amounts. The first contributions for 2020 will be on January 9, 2020 (first payroll of 2020). Prior to this, there will be no funds in your new HSA account.
What Do I Need To Know Now?
At this time, you do not have to do anything. You may still use your Sterling HSA account for all eligible expenses. Your Sterling account will remain active until you transfer the funds to Avidia Bank. More information on this option below.
What Will I Need To Do after January 1?
In January, you will have two options regarding your current Sterling HSA account. You will be able to:
- Transfer your funds (Transfer Form) from Sterling HSA to BBCs' My SmartCare through Avidia Bank. This will require you to close your Sterling HSA account after January 1, 2020 and request for the funds to be transferred.
- Keep your Sterling HSA account. Remember that if you decide to keep your Sterling HSA account, you will also have an Avidia HSA account so that 2020 contributions can be deposited to the County's new administrator.
Note that HSA accounts are individual accounts, just as a standard savings account, so you are responsible for their administration. The County cannot make transfers or call either bank in your behalf.
If you decide to transfer the funds from your Sterling HSA account, you will need to fill out and mail an Avidia Bank Transfer Form. This form will be emailed and will also be posted on MySmartCare and the BCC enrollment portal. Note that there will be a $20 charge to close your Sterling account. The County will deposit $20 into your new Avidia account to make assure that you do not incur any costs due to this change. There will be no monthly changes on your Avidia HSA account.
Please do not send a transfer form until after January 1. We recommend that you do so after your first 2020 payroll check, January 9th. There will not be any funds in your new HSA account prior to this date.
Important: There will be a period of time where your Sterling funds will not be available due to the transfer process (closing the account, issuing a check to Avida bank, receipt of the check and depositing funds to new HSA account). This process may take 4 – 6 weeks. If you incur medical expenses during this time, you will need to pay them and then reimburse yourself from the new HSA account.
Note that you do not need to transfer your Sterling funds immediately. You may wait until you have enough funds in your Avidia HSA account for your medical needs.
If you decide to keep your Sterling HSA account, you do not have to do anything. The account and your Sterling debit card will remain active. Note that you will also have an Avidia HSA debit card since your and the County's 2020 contributions will be made to this new HSA account. Your Sterling account will have a monthly cost of $2.50 and $1.50 per swipe. If you have question regarding your Sterling account, call Sterling Customer Service at 800.617.4729.
It is important that you do nothing with your Sterling HSA account until January 1, 2020.
Employees with Sterling investment accounts will receive additional emails with detailed instructions since there will be extra steps that must be done if you decide to liquidate and move these funds.