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First Time Using the New App or Website?

Even if you have an existing Quantum Health account for the prior app or website, you need to register for your account again to take advantage of the new enhanced security features effective 2/29/24. 

What is the name of my plan? Who do I contact? How do I find care? What extras come with my plan?

If you elect a High Deductible Health Plan (HDHP), you may be eligible to contribute to a health savings account (HSA). To fully open your account, you will need to complete and submit the County National Form and return it completed to HR. They will use that form to notify payroll of your desired deduction and share it with County National. County National will mail your debit card directly to your home. Should you want to modify your election amount during the year, please contact HR. 

The HSA, allows you to save pre-tax dollars for use on health expenses now or in the future. You can use your HSA to cover health care expenditures, including deductibles, prescriptions, out-of-pocket medical expenses, dental care, and vision care for you, your spouse, and eligible tax dependents. The HSA is yours, regardless of future changes in employment, and any money remaining in your HSA at the end of the year rolls over, allowing you to accumulate significant savings. 

2024 contribution limits:

Single coverage: $4,150

Family coverage: $8,300

Catch-Up contribution (Age 55+): $1,000

What happens after I turn 65, or enroll in Medicare? You will not be able to contribute to an HSA once you enroll in Medicare; however, you will be able to continue to use the money in your account to pay for eligible medical expenses as well as Medicare or long term care insurance premiums. Generally, this means that at age 65 you are no longer able to contribute, since most individuals enroll in Medicare Part A (Hospital) at no cost upon turning 65. It is your responsibility to stop your HSA deductions.

The Health Care FSA allows you to pay for eligible expenses not already covered by a medical/prescription drug, dental or vision plan, such as co-pays and deductibles. You may contribute up to $3,050* to this account. 

Important! 
The balances in your Health Care and Dependent Care FSAs are subject to “use it or lose it” rules. You should estimate your health and dependent care expenses carefully when deciding how much money to put in the Flexible Spending Accounts. The IRS requires that you forfeit any FSA amounts you do not use. Active employees will have until March 31, 2025 to submit expenses for the 2024 plan year. There is a $2.50 per month fee to open these accounts. SAU covers the remaining fees. Please note that if you become benefit eligible mid-year, you may only submit for reimbursement for expenses incurred on or after the date you become benefit eligible. Changing or stopping deductions during the plan year must meet IRS regulations and qualifying event rules. Please check with HR for more information.

Not all benefits, limitations and exclusions of the benefit programs are listed. If there are any discrepancies between the illustrations contained herein and the benefit proposals or official benefit plan documents, the benefit proposals or official benefit plan documents prevail. See the official benefit plan documents for a full list of exclusions. SAU reserves the right to amend, modify or terminate any plan at any time and in any manner.  

Spring Arbor University’s health plan will take a secondary stance regarding auto-related medical claims.

SECONDARY: This means Spring Arbor University’s health plan will pay for covered medical claims after PIP. In the absence of PIP, the plan will pay medical benefits per the terms of the policy. It may not cover all medically-recommended services, with all providers, and it will not cover expenses related to assistance with the activities of daily living.

Please note: You have the option of waiving PIP completely if you are enrolled in Spring Arbor University’s health plan that has an annual deductible of less than $6,000 per covered person. If you do not have PIP, you may not have a source of income following an auto accident, in addition to coverage for services that are not a benefit under Spring Arbor University’s health plan.  Your health plan, GuideStone, will provide you a letter confirming qualifying health coverage upon request.  Please contact the Customer Solutions team at 1-844-467-4843 to request the letter.

Your auto insurance carrier may request a coordination of benefits statement. Please provide them with this language from the Legal Notices section of the 2022 SAU Benefits & Enrollment Guide, page 53.

MI No Fault and Auto Coordination
The medical plans offered by Spring Arbor University do meet the requirements to be considered qualified health coverage under the Michigan no-fault law. This is because the plans (1) do not exclude or limit coverage for injuries related to motor vehicle accidents; and (2) have an annual deductible of $6,579 or less per individual.
When coverage is “coordinated” between your auto policy and your employer-sponsored health plan, the health plan pays first for auto-related medical claims. The auto insurer will require you to provide documentation proving that your health plan will pay first, in order to elect coordinated coverage. As of January 1, 2022, SAU's group health plan is NOT considered 'coordinated' coverage, but this does not necessarily mean that other health coverage (i.e. spouse’s) is not ‘coordinated’. Be sure to ask the question and confirm this detail before you have a discussion with your auto insurer agent.
If coverage between the auto policy and the health plan is “uncoordinated,” then the PIP coverage will pay claims first. Spring Arbor University’s health plan is considered ‘uncoordinated’ and will take a secondary stance regarding auto- related medical claims.
SECONDARY: This means Spring Arbor University’s health plan will pay for covered medical claims only after auto PIP coverage. In the absence of PIP, the plan will pay medical benefits per the terms of the policy. It may not cover all medically-recommended services, with all providers, and it will not cover expenses related to assistance with the activities of daily living.