Save Money on Health Care

There are many ways to save on health care—here are just a few that are good for you and your wallet!

Use In-Network Providers
Use Telemedicine for Basic Primary Care Needs
Enroll in the Health Savings Account (HSA)
Prevent Health Conditions and Earn Credits Through Choose Wellness for Life
Enroll in the Health Care FSA
Enroll in the Limited Purpose FSA
Use Crossover Health Center
Get More Health Care Savings Tips

Watch! This video to learn about how to save money on health care costs.

Use In-Network Providers

First, let’s define a network. It’s a group of doctors, labs, hospitals and other health care providers or facilities that your medical plan has contracted with at set payment rates—often called “eligible expenses,” “payment allowances” or “negotiated rates.”

You’ll pay less when you get care in-network, because your deductibles, copays and coinsurance are lower than if you visit out-of-network providers.

To find in-network providers, go to the medical plan’s website:

Already Enrolled in a Medical Plan?

Not Yet Enrolled in a Medical Plan?

Use Telemedicine for Basic Primary Care Needs

Intuit’s telemedicine program, MDLIVE, is a great option for getting basic primary care. MDLIVE is offered as part of your Intuit medical benefits—use it at no cost to you or your covered dependents!

Enroll in the Health Savings Account (HSA)

HSAs are used together with high-deductible health insurance plans. When you enroll in the Cigna Choice Fund Health Savings Account (HSA) medical plan, you save money in three ways:

  1. You get cash from Intuit. The amount of money Intuit deposits into the HSA varies based on your salary.

    If your annual salary is under $80,000, Intuit will contribute:

    • $1,000 for you
    • $2,000 if you cover dependents

    If your annual salary is $80,000 or more, Intuit will contribute:

    • $750 for you
    • $1,500 if you cover dependents
  2. Your HSA contributions are tax-free.* Any money that you set aside in your HSA will not be taxed.
  3. You earn interest on your HSA balance. Then, once your account reaches $1,000, you can invest your account balance.

*In CA, AL and NJ, the HSA is subject to state tax.

Prevent Health Conditions and Earn Credits Through Choose Wellness for Life

Choose Wellness for Life rewards you for taking action to get—and stay—healthy. By getting a biometric screening and meeting other healthy targets, you and your covered spouse or domestic partner can earn up to $2,470 per year in paycheck credits!

Enroll in the Health Care FSA

Flexible spending accounts, or FSAs, save you money because you can pay for eligible expenses with tax-free dollars. If you are enrolled in the Cigna Choice Plan with HSA account, you will only have access to the Limited Purpose FSA.

How It Works

  • You must re-enroll every year.
  • You decide how much to contribute to your health care FSA—between $26 and $2,500 per plan year (August 1–July 31).
  • Your plan year contribution will be deducted from your paycheck before federal, state, local and Social Security taxes are withheld. Your Form W-2 will include your calendar year (not plan year) contribution.
  • If you contribute $150 or more, you’ll get a Your Savings Account (YSA) debit card. Just swipe your card when paying for eligible expenses, and the amount is automatically deducted from your account.
  • You have until October 31—three months following the end of the plan year—to submit claims for reimbursement.

Eligible Health Care Expenses

You can use the health care FSA to pay for eligible out-of-pocket medical expenses (such as deductibles, copays and coinsurance) for:

  • Yourself
  • Anyone you claim on your tax return as a dependent—even if they’re not enrolled in an Intuit medical plan

Eligible expenses must be:

  • Tax deductible, according to the IRS
  • Medically necessary and not covered by your medical, dental, or vision plans. Examples include:
    • Deductibles and copays
    • Your share of covered expenses
    • Dental and orthodontia expenses
    • Prescription glasses, contact lenses and cleaning solution
    • Laser vision correction
    • Alcoholism or drug addiction programs
    • Prescription drugs and drug copayments
    • Over-the-counter medications with a prescription from your doctor

Good to Know

  • Save your receipts! Whether you have a YSA debit card or not, you may need to submit receipts to substantiate your claim.
  • Remember the use-it-or-lose-it rule. The money you contribute does not roll over from year to year. Carefully consider your needs when deciding how much to contribute.
  • Plan year versus calendar year. Your contributions are made on a plan year basis while IRS limits and FSA contibution amount that's shown on your Form W-2 are calendar year amounts.

Covered by the Cigna Choice Fund HSA Medical Plan?

The Limited Purpose FSA works hand in hand with the Cigna Choice Fund HSA plan. You can use it to pay for dental and vision expenses—your HSA can help you pay for medical and other eligible expenses. You may want to consider the Limited Purpose FSA for eligible non-medical expenses if you plan on saving your HSA money for the future.

Enroll in the Limited Purpose FSA

This type of FSA is available if you’re enrolled in the Cigna Choice Fund HSA plan, and you can only use it to pay for eligible dental and vision expenses.

Why? Under IRS rules, you cannot have both a Health Savings Account and a regular health care FSA.

How It Works

  • You must re-enroll every year.
  • You decide how much to contribute to your Limited Purpose FSA—between $26 and $2,500 per plan year (August 1–July 31).
  • Your plan year contribution will be deducted from your paycheck before federal, state, local and Social Security taxes are withheld. Your Form W-2 will include your calendar year (not plan year) contribution.
  • You have until October 31—three months following the end of the plan year—to submit claims for reimbursement.

Eligible Dental and Vision Expenses

Limited Purpose FSA eligible dental and vision expenses include:

  • Dental care and orthodontia, such as fillings, X-rays, braces, caps and mouth guards
  • Vision care—including eyeglasses, contact lenses, solutions and supplies, and LASIK eye surgery
  • Preventive care not covered under your medical plan—such as any vaccines or diagnostic tests
  • Prescriptions and eligible over-the-counter items for dental, vision and preventive care

Eligible expenses do not include cosmetic procedures, treatments not supervised by a qualified health care professional, or expenses that are not medically necessary. For a full list of eligible expenses, see IRS Publication 502, “Medical and Dental Expenses.”

Use Crossover Health Center

Crossover Health Center is a private health center featuring a highly skilled team of physicians and providers who deliver complete, concierge-style health care services. It’s located just a couple of miles from the Mountain View campus and is available to all Intuit employees, whether you live in the Bay Area or you’re visiting from anywhere in the world. Because most health plans consider Crossover Health an in-network facility, you won’t pay any more for this top-quality service than you would for a regular primary care visit.

Get More Health Care Savings Tips

You can get helpful suggestions for saving money on your medical care from the ALEX® Making the Most of Your Plan tool.