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2. personal finance
3. insurance
4. health insurance

YOUR GUIDE TO THE UHC HEALTHSAVER PLAN OPTIONS
SolarCity wants to help YOU take charge of your health
and your health benefits. That’s one reason why we offer
the UHC HealthSaver Plans. When you enroll in the UHC
HealthSaver Basic Plan or the UHC HealthSaver Plus
Plan (with HSA), you receive comprehensive medical and
prescription drug coverage. These plans also come with a
Health Savings Account (called an “HSA”). This is a special
bank account, in your name, that allows you to save tax-free
for current or future health care expenses.
This guide provides a summary of how the plans’ benefits
A Quick Refresher on Your Benefits Coverage
work and how to use each plan’s HSA.
Getting the Most from Your HSA
Let’s Get Started: Set Up Your HSA
Know the Fine Print
KNOWLEDGE IS POWER
Check out benefits.solarcity.com to learn more about the UHC HealthSaver Plans and
Health Savings Account (HSA). You’ll find:
• Informative HSA video
• Plan rates
• Cost-estimator tool
• And much more.
• Comparison of your plan options
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A QUICK REFRESHER
ON YOUR BENEFITS COVERAGE
LOWER MONTHLY PREMIUM
UHC PROVIDER NETWORK
The HealthSaver Plans offer a lower monthly
premium when compared to other SolarCity
medical plan options.
You can visit any doctor or provider. However,
your costs will be much lower when you visit
providers that participate in the UHC network.
You can find a UHC provider at
www.uhc.com/find-a-physician.
PREVENTIVE CARE
Most in-network preventive care services,
like your annual check-up and routine tests
appropriate for your age and gender, are provided
to you at no cost. UHC pays the full bill.
ANNUAL DEDUCTIBLE
You need to meet a deductible before the
plans will pay benefits for most services. The
deductible for these plans is higher when
compared to other SolarCity medical plan
options. But, you can use the money in your
HSA to offset your deductible responsibility.
See the next page for details.
Also, if you need preventive drugs (for conditions
like diabetes, high blood pressure or high
cholesterol), you pay $0.
COINSURANCE
OUT-OF-POCKET MAXIMUM
After you meet your deductible, you pay a
percentage of the cost for your care, up to a
certain amount. This is called “coinsurance.”
Once your expenses hit that certain level,
called the “out-of-pocket maximum,” UHC
pays 100%.
WHAT YOU PAY FOR MEDICAL COVERAGE
Your cost depends on
the plan you choose
UHC HealthSaver Basic Plan
UHC HealthSaver Plus Plan
(with HSA)
Your paycheck deduction
The lowest premium
Slightly higher premium
In-network annual deductible
$2,750 individual
$5,500 family
$2,000 individual
$4,000 family
In-network coinsurance
20% after deductible
20% after deductible
In-network out-of-pocket maximum
$5,500 individual
$11,000 family
$4,000 individual
$8,000 family
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GETTING THE MOST
FROM YOUR HSA
YOU’VE GOT THE POWER
When you enroll in a UHC HealthSaver Plan, you decide whether
you want to contribute your own money—tax-free—to a Health
Savings Account (HSA). The amount you contribute is up to you,
but the IRS sets a limit on how much money can go into an HSA
each year.
The IRS allows max contributions up to $3,350
Putting money into an HSA is
your choice. You can change your
HSA contributions at any time
during the year. Your account is
yours for life.
Individual coverage
USING HSA FUNDS
The IRS allows max contributions up to $6,650
Additional $1,000 “catch up”
Family coverage
If you or your spouse is over age 55
SOLARCITY MAY CONTRIBUTE TO YOUR
ACCOUNT
If you enroll in the UHC HealthSaver Plus Plan (with HSA),
SolarCity adds money to your HSA each quarter. You can use it
to pay for your qualified health care expenses—for example, to
help pay your annual deductible. SolarCity contributes:
You’re probably wondering,
“What are ‘qualified health care
expenses’?” These include your
deductible, doctor’s office visits,
prescription drugs, hospital stays,
physical therapy, dental care and
vision care.
You’ll find the full list at
www.irs.gov/publications/
p502/index.html.
• $125 per quarter if you cover yourself only
• $250 per quarter if you cover yourself and any family members.
SolarCity’s contributions start in June, and they count toward
the maximum allowed by the IRS. You must be employed by
SolarCity at the time contributions are made.
If you’re enrolled in the UHC HealthSaver Basic Plan, you’re
not eligible to receive SolarCity’s HSA contributions.
IT’S EASY TO USE (AND SAVE) YOUR MONEY
An HSA is like a regular bank account—your money even earns
interest. You can use your account balance to pay for qualified
health care expenses now, like your deductible and coinsurance,
or you can save your money for the future.
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THE MONEY IS ALWAYS YOURS
Your HSA money is yours to keep, even if you leave the company. The only catch: You must use it for qualified
health care expenses.
No matter which plan you choose, you’ll get the same great benefits:
Fast Facts About HSA Savings
100%
100%
Of your HSA balance automatically Of your HSA balance goes with
rolls over year to year.
you if you leave SolarCity.
100%
Of your HSA money grows
tax-free.
$0
Is what you pay in taxes on your
contributions or your withdrawals
for qualified expenses.*
* The rules may vary in Alabama, California and New Jersey
LET’S GET STARTED: SET UP YOUR HSA
UHC HealthSaver Basic Plan
UHC HealthSaver Plus Plan (with HSA)
SolarCity does the legwork for you and opens your HSA with Optum Bank.
STEP 1:
Set It Up
STEP 2:
Use It
STEP 3:
Save Your Receipts
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After you enroll, Optum Bank will contact you with all the details and request some information from you,
such as your Social Security number and birth date.
With the UHC HealthSaver Basic Plan, SolarCity
doesn’t contribute to your account—only your own
money goes in.
Once processed, Optum Bank activates your
account and SolarCity will start making its quarterly
contributions. You can begin making your own
contributions, as well.
Optum Bank provides you with a debit card and checks, which you use to pay for qualified health care
expenses. For example, you can use your card at a doctor’s office to pay your coinsurance or at the
pharmacy to pay for a prescription.
You can also keep track of your balance and pay your bills online through the Optum Bank website.
Save your receipts! At some point, the IRS may ask you prove you have followed the rules when using your
HSA funds.
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KNOW THE FINE PRINT
Here are are some important rules to keep in mind:
#1
Not Everyone Can Open an HSA
Employees are eligible to enroll in either of the UHC HealthSaver Plans. However, the IRS does not allow you to open an HSA if you’re:
•Enrolled in one of SolarCity’s other medical plan options
•Enrolled in another health insurance plan (such as your spouse’s/domestic partner’s plan), unless it is an IRS qualified high
deductible health plan
•Enrolled in Medicare
•Eligible to be claimed as a dependent on another individual’s tax return
•Not a U.S. resident
•A veteran and have received veterans’ benefits within the last three months
•Active military.
#2
Account Details
SolarCity does not administer your HSA. Your HSA is administered by Optum Bank. You must complete the bank’s account activation
procedures to access your funds.
#3
Domestic Partners
The IRS allows you to withdraw funds tax-free to pay for your domestic partner’s expenses only if your domestic partner meets the IRS
definition of a “qualified tax dependent.”
#4
Flexible Spending Account Participation
If you enroll in a UHC HealthSaver Plan, you and/or your spouse cannot enroll in the Health Care Flexible Spending Account (FSA).
However, you can participate in a Dependent Care FSA. Please note: The Dependent Care FSA is for day care and NOT for
dependent health care expenses.
ONE LAST REMINDER …
You might be wondering what the difference is between an HSA and a Flexible Spending Account (FSA). Use
this chart to help understand how these accounts work.
Health Savings Account (HSA)
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Flexible Spending Account (FSA)
Who owns the account?
You
SolarCity
Can the contributions be
rolled over year to year?
Yes
No
Is the money deposited from
payroll on a before-tax basis?
Yes (except for CA, AL and NJ state tax)
Yes
Can you invest the money?
Yes
No
Is the money that you
contribute on an after-tax
basis deductible on your tax
return?
Yes
No, you can only deposit money into your FSA
though payroll deductions on a before-tax basis.