Health Insurance Companies Plans and Rates

A Real Person will Answer, give me a call - Doug Ellsworth 503-922-2903

Below are Companies who are offering coverage outside the "Portal" meaning Tax Credits and adjusted premiums will not apply. The premiums listed with each company is the Cost you Pay if Tax Credits and Adjusted premium do not apply. To see Actual Rates and Plan descriptions for Cover Oregon and the Affordable Care Act and Obama Care you need to contact me at 503-922-2903 or email your request for additional information at Doug@CoverOregonExchange.com

PacificSource Plans and Rates 2014

Moda Health Plans for Individuals and Families 2015

LifeWise of Oregon Plan and Rates 2014

HealthNet Plans and Rates Jan 1st 2014

Providence Health Plans and Rates 2015

Kaiser Permanente Plans and Rates 2014

HSA, Health Savings Account

First American Bank

Free Account, No Fees, No Minimum Balance - Paper Application 2014

Online Application Link:
online account application.

Contribution Limits and information "Click this Link"

Here is an overview of the HSA products we offer:

Option #1 - Standard HSA:
* No Set - Up Fees
* No Monthly Fees with eStatements ($3.95 fee for paper statement)
* No Minimum Deposit
* Nationwide Enrollment
* Free HSA Mastercard Debit Card
* Free Online Banking and Bill Payment Service
* Free Mobile banking
* Pays Interest

Option #2 - HSA Plus:
*Offers all of the features of our standard HSA listed above.

The account is broken into 2 subaccounts: the checking portion (for the client to access the funds and make contributions) and the investment portion. When the balance in the checking portion exceeds $2000, the client may sweep the balance in excess of $2000 into the investment portion and allocate funds amongst a variety of mutual fund offerings. There are no load or trade fees; however there is a $4 monthly fee for this account. The customer may make unlimited trades, unless otherwise noted. Here is a list of our current mutual funds.

A Health Savings Account (HSA) from First American Bank is a great way to save for your health care deductible, while taking advantage of tax savings.

What is an HSA?

A Health Savings Account is a tax-exempt trust or custodial account which you use to pay qualified medical expenses for you and your family.

Who is Eligible for an HSA?

To be eligible and qualify for an HSA, you must meet the following requirements:

You are covered under a high-deductible health plan (HDHP) on the first day of that month;
You are not covered under another type of health plan that is not an HDHP (certain exceptions apply);
You are not enrolled in Medicare (generally, are under 65 yrs. old); and
You may not be claimed as a dependent on another individual's tax return.

Why Choose an HSA?

The HDHP generally costs less than traditional health care coverage. Money saved on the insurance premium can be put into the HSA.
Contributions to your HSA are tax deductible.
After age 65, HSA funds can be used for non-qualified expenses without penalty. Only income tax is assessed.
Use the pre-tax funds in your HSA to pay for current medical expenses or expenses that your insurance may not cover including dental expenses, vision care, Medicare expenses, and long term care. See publication 502 on the IRS website for a complete list of qualified expenses.
Save the money in your HSA for future medical expenses.
No use it or lose it philosophy - the HSA funds remain in the account from year to year. Even if your HSA compatible coverage ends, you can still use the funds tax free for qualified medical expenses.
You are in control of your HSA. Funds belong to you even if you switch jobs, become unemployed, or change your medical coverage

Employer Guide:
Our Employer Guide provides an overview of the enrollment process and employer contribution options for group enrollments.

Employer Verification Letter:
Sample of letter we require from the employer at time of enrollment.

Online Application Link:
online account application.

Paper Application Link:

Transfer Request Form:
If the employee is transferring an existing HSA from another financial institution, please have the employee complete the transfer request form. When submitting the application to First American, please also provide this form.

Completed transfer form my be faxed to our HSA Fax: (847) 264-2308

HSA Employee Guide:
Our HSA Employee Guide.provides a wealth of information about HSA's, in general, as well as First American's specific HSA products.

Individual Funding Option:
Clients who wish to make a contribution separate from a payroll deduction may do so by setting up a direct withdrawal from their personal checking or savings account; mail in a deposit; or make a deposit at any branch location.

Account Time Line:
Debit cards will be ordered once account is opened and will be received within 5-10 business days.
Checks (if requested) are ordered once the first deposit has been made into the account. Usually take 11-14 business days.
Welcome packet will be mailed once the account is opened and will be received within 7-10 business days.

Thanks,
Mitch

Mitch Rosenbloom
Health Savings Account Manager, AVP

First American Bank
1650 Louis Avenue
Elk Grove Village, IL 60007
Phone/Fax (847)586-2010
Cell: (847)857-1542
Health Savings Customer Service (866)449-1150

First American Bank is pleased to introduce our Health Savings Accounts (HSA). As you are aware, a High Deductible Health

Plan (HDHP) combined with an HSA is an innovative way for your company to combat the rising costs of healthcare. We

have developed very competitive HSA products, and we are interested in developing a relationship with you to offer our

accounts to your employees.

Why choose an HSA?

 The HDHP generally costs less than traditional health care coverage. Money saved on the insurance premium can be

put into an HSA.

 Contributions to your HSA are tax deductible. IRS guidelines in 2013 allow max contributions up to $3,250 for

individuals and $6,450 for a family plan. For 2014, the max contributions are up to $3,300 for individuals and $6,550

for a family plan. If you are over 55, you can contribute an additional $1,000 "catch-up" to your HSA. If you have a

spouse who is over 55, you must open a second account in order to take advantage of the catch up contribution.

 After age 65, HSA funds can be used for non-qualified expenses without penalty. Only income tax is assessed.

 Use the pre-tax funds in your HSA to pay for current medical expenses or expenses that your insurance may not cover

including dental expenses, vision care, Medicare expenses, and long-term care. See publication 502 on the IRS

website for a complete list of qualified expenses.

 Save the money in your HSA for future medical expenses.

 There is "no use it or lose it" philosophy – the HSA funds remain in the account from year to year. Even if your HSA

compatible coverage ends, you can still use the funds tax free for qualified medical expenses.

 You are in control of your HSA. Funds belong to you even if you switch jobs, become unemployed, or change your

medical coverage.

First American Bank offers two types of Health Savings Accounts:

Our Health Savings Account is a free account* which pays interest based on the balance in the account.

Our Health SavingsPLUS Account offers all of the benefits of our Health Savings Account; in addition it allows you to invest

a portion of your HSA in a select group of mutual funds.**

For over 30 years, First American Bank has operated on the philosophy that the needs of our customers come first, and we

build our business one satisfied customer at a time. Our size and management philosophy make it possible for us to give

you the best of both worlds: big bank financial services coupled with the personal attention only a smaller bank can provide.

We place great emphasis on building strong customer relationships and we’re driven to assist you with needs beyond the

specific product at hand.

We can accommodate your HSA needs and look forward to working with you. Please don’t hesitate to call our toll free HSA

Help Desk (866) 449-1150 or locally (847) 952-3700, option “2”, and then option “4”.

*A $3.95 monthly fee will be charged if the customer elects to receive a paper statement. The fee will be waived if; 1) the customer elects to receive electronic statements only; or 2) a combined minimum average daily balance of

$2,000 is maintained between the checking portion of the Health Savings Account and an associated checking, NOW, savings or money market account. Member FDIC.

**Disclaimer: Investors should carefully read the Fund prospectus, which includes information on the Fund’s investment objectives, risk, as well as charges and expenses along with other information before investing or sending

money. Funds in the investment portion of your Health SavingsPLUS account are not FDIC insured, May Lose Value and are Not Bank Guaranteed.

Neither First American Bank nor its subsidiaries (collectively “First American Bank”) are registered investment advisors nor is First American Bank acting in the capacity of a registered investment advisor with respect to the

offering of Health Savings Account (“HSA”) investment options. Participation in the investment options is voluntary. Under no circumstances is First American Bank offering any of the HSA investment options and makes no

representations with respect to the investment options offered.

First American Bank disclaims any and all liability, contingent or otherwise, for the performance of the investment options. Please see your personal financial advisor for personal investment advice.

The Enrollment Process:

Step 1: Apply for a First American Bank HSA

There are two convenient ways to apply:

1) Online at www.firstambank.com

2) Contact your assigned HSA Account Manager if you require paper applications:

Mitch Rosenbloom, (847) 586-2010 or mrosenbloom@firstambank.com

Adam Geiger, (847) 586-2261 or ageiger@firstambank.com

Step 2: Submit Applications to First American Bank

1) Online Application

a. If your employee applies online, the account opening process has already begun.

b. First American can provide your organization a link that will allow your employees to apply online.

2) Paper Application

a. You will be in control of the account opening process for paper applications.

i. Collect all applications.

ii. Verify that all signatures and identification information has been completed. This includes issue and

expiration dates, and the identification number for the primary identification.

iii. Submit all applications at the same time.

A checklist is provided with the application regarding identification information.

Submit applications by the following two methods:

1) By mail: First American Bank, Attn: HSA Processing Center

P.O. Box 0794, Elk Grove Village, IL 60009

2) By fax: Attention: HSA Department (847) 264-2308

First American Bank - ID Information:

Primary Identification:

 U.S. Drivers License

 U.S. Passport

 U.S. State ID Card

 Foreign Passport

 U.S. Armed Forces Card

 Matricula Card

Secondary Forms of ID: (Necessary only if an individual has not passed our verfication process)

 Any of the above forms of ID

 State Voters Registration Card

 State U.S. Birth Certificate

 U.S. Alien Registration Card

 U.S. Auto Registration Form

 Student ID Card

 Current Utility Bill

Identification information is required for the account signer and the additional signer (if applicable).

Identity Verification:

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. Therefore, when your employees enroll in an HSA we will ask for name, address,

DOB, and other information that will allow us to identify each individual. We may ask for Driver's License information or other identifying documents. All new accounts are verified through Chexsystems.

- 3 -

Transfers:

Are your employees transferring their current HSA to First American Bank?

Our application contains all of the necessary information to transfer funds from another HSA. To ensure a smooth transition,

please notify your HSA Account Manager if an employee will be transferring. Depending on the financial institution from

which your employee is transferring, the process could take several weeks.

Step 3: Employer Verification Letter

As part of the application please include an employer verification letter with your employee applications. The necessary

elements of this letter are listed below. If we receive the letter at the time of application, this will expedite the process of

opening your employee’s accounts. If we do not receive the letter we will need to contact you or your employee.

Requirements for the Employer Verification Letter:

1) Printed on your company’s letterhead

2) Include the name, social security number, date of birth and address of the employee (multiple employees are

allowed on a single employment verification form)

3) The signature or the Human Resource Manager, or other corporate officer

4) The title and phone number of the individual who has signed the form (see sample enclosed)

Step 4: Funding Options

EMPLOYERS: There are three options available to fund your employees’ accounts:

1) Automated Clearing House (ACH) - Preferred Method

The ACH transfer can be originated by your bank or a direct deposit payroll system. The payroll field for the Heath

Savings Account is an additional deduction similar to your 401k. Please remember that although this type of

account is titled Health Savings Account, the actual account type is a “checking account”. It takes one business day

and a maximum 48 hours for an ACH to post to the account. In order to send an ACH you will need the routing

number and account numbers of your employees’ HSA accounts.

First American Banks’ ABA Routing Number is 071922777.

2) Ca$hTrac (fees apply)

If you do not have the capability of direct deposit (ACH) and would like to deposit monies into your employees’

accounts, you have the option of using our proprietary online business banking system “Ca$hTrac”. Ca$hTrac will

allow you to directly debit an operating account and credit employees’ individual accounts within 48 hours. If you

are interested in learning more, please contact your assigned HSA Account Manager.

3) Check

You can fund your employee’s accounts by sending a check accompanied by a list of the employees’ name and their

account number (see sample enclosed). Please make the check payable to First American Bank. Please be advised

that out of state checks can take up to five business days to process.

EMPLOYEES: There are two options available to employees who wish to contribute to their HSA:

1) Automatic Transfer - Preferred Method

Employees can complete the HSA Auto Savings form which will allow First American Bank to automatically deduct

funds from the employee's personal checking or savings account on a one-time or recurring basis.

2) Check

A check made payable to the employee (accountholder) or First American Bank can be mailed to the bank or

deposited at any of our 49 branch locations.

- 4 -

How to Contact First American Bank HSA Department

You may contact First American Bank's HSA Department through one of the following methods:

Mail: First American Bank

Attn: HSA

P.O. Box 0794

Elk Grove Village, IL 60009

E-Mail: HSA@FirstAmBank.com

Phone: Toll Free (866) 449-1150

Locally (847) 952-3700, select Option “2”, and then Option “4”

Fax: (847) 264-2308

Time Line

The entire account application process should not take longer than 5 business days if all the required information is

provided.

 A debit card is ordered when we receive the completed applications*.

 If your employee has requested checks, we will place the order when the account is funded.

 Checks and debit cards will arrive in 7-15 business days. If a deposit has not been made to the account, then the

checks will be ordered upon receipt of initial contribution.

If you have any questions please feel free to contact our HSA Help Desk toll free at (866) 449-1150 or locally at

(847) 952-3700, select option “2”, and then option “4” or by email HSA@FirstAmBank.com.