Page 16 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract. Your UMB Health Savings Account (HSA) Your UMB Health Savings Account (HSA) is an excellent tool for managing your health, your family’s health, and your financial health. The UMB HSA allows you to pay for your current healthcare expenses or to save money for future qualified expenses. Opening your UMB HSA is easy. You can complete all your enrollment forms online. Online Enrollment: With online enrollment, you can open your UMB HSA in the comfort of your own home or anywhere you have access to the internet. Next Steps: After you enroll, you will receive your account number and debit card(s) in the mail within 5 to 7 business days. You will also receive a separate mailing with your ATM Personal Identification Number (PIN). Contributions to your UMB HSA Account: Employees may make pre-tax contributions through payroll deductions, and anyone can contribute post- tax funds by using the HSA Contribution Form or by selecting “Make a Contribution” to electronically transfer funds from your personal bank account to your UMB HSA through the secure online HSA website. Have Questions? Contact Customer Services at 1-866-520-4HSA (4472) Monday through Friday from 8:00 AM to 8:30 PM EST and Saturday from 9:00 AM to 6:00 PM EST. Or to access your account online visit hsa.umb.com. You can begin enrollment at HSA.UMB.COM (the first time you will need to click, “Open an HSA” under the individual tab and enter THA0001 ~ 141525). With online access you can check your HSA balance, account activity, and recent card purchases. You’ll need to verify who you are the first time you access this site. Have your HSA debit card or your account number handy (it’s shown the right). When your card(s) and PIN(s) are received log back into your online account can manage your account. Once you are enrolled, UMB offers a Deposit Account and the UMB HSA Saver® investment option. You are automatically enrolled in the Deposit Account, where you can elect the investment option after you meet the eligibility requirements, as described on the website. It’s your choice, your UMB HSA! 1. HSA Base Account. This FDIC-insured account pays tiered interest rates based on your balance in the account. 2. UMB HSA Saver Investment Option. This option allows you to invest in various mutual fund offerings. Accessing HSA Funds: You will be able to access your HSA funds by using your health care Visa debit card to pay for qualified medical expenses. If you use another form of payment, you may reimburse yourself from your UMB HSA by logging in to your account and selecting reimbursement tool. This allows you to transfer money out of your HSA and into a personal bank account. IMPORTANT: Keep receipts for all expenses you use your UMB HSA to pay! HELPFUL TIPS: Raise the amount you contribute annually to get to the maximum allowed by the IRS. When possible, pay out-of-pocket to allow money to grow in your HSA.