Employee enrolls in the HSA medical plan and provides payroll with contribution election.

Eligibility records are sent to Cigna using the selected eligibility transfer method.  We recommend that the eligibility is sent 21 business days before your plan effective date to ensure that the employees receive the debit prior to your plan effective date.

Cigna forwards the eligibility to HSA Bank to start the bank account opening process.

HSA Bank opens bank accounts for all completed** enrollment records received, deposits $0.01 and performs the Federally Required Customer Identification Process (CIP).

_{**HSA Bank must receive records that contain all required data elements to proceed with account opening.}

This includes:

• Complete name
• Social Security Number
• Date of Birth
• Residence address (not a PO Box) 

Access the Bank Enrollment Status Report from CignaforEmployers to locate employee eligibility records that did not have all of the required data elements to open an account.   Use this information to update the eligibility record accordingly.   Once updates have been completed, the records will be resent to HSA Bank.  

For employees that have a PO Box only

• HSA Bank rejects the enrollment record and is unable to open the account.
• A letter is mailed to the employee asking them to provide their residential address.

Sample

Download now: PO Box Rejection Letter

For employees that pass CIP:

• HSA Bank sends welcome kit and debit card to employees
• Account opens on or after HDHP effective date (per IRS guidelines)

For employees that did not pass CIP:

• HSA Bank sends welcome kit and debit card to employee
• Account opens on or after HDHP effective date (per IRS guidelines)
• HSA Bank contacts employee to obtain necessary identification so account can remain open (see Customer Identification Process for more information)

Sample

Download now: Welcome Letter & Debit Card

For all records that have all necessary data elements*, HSA Bank places account in open status when record is received, and customer is sent Welcome Package.

_{*If all required data elements are not present (i.e. PO Box instead of a residential address), the account cannot be opened.}

HSA Bank performs CIP verification against national databases to confirm the customer's identity.  If additional information is needed, HSA Bank will reach out to the customer to let them know what documents they need to submit.

Accountholder can submit documentation via:

• Customer website
• Mail
• Secure Email
• Fax

If HSA Bank has not received the required information by the end of 90 days, the account is closed and any funds in the account are returned to the employee.
 
The employee receives:

• A letter explaining why the account is closed and how to contact the bank 
• A check for the proceeds in the account

Employee can submit CIP documentation to have the account re-opened and mail the check back to HSA Bank for redeposit. They will keep the same account number.

Sample

Download now: CIP letter and form

During open enrollment, capture the employee’s pre-tax contributions amounts.

Determine if you will provide an employer contribution to your employees and capture the amounts based on your internal process.

On or after your HSA plan effective date you are ready to initiate contributions to your employee’s health savings accounts.

1. Getting Started    
Work with your payroll vendor to ensure that they can accommodate ACH Direct Deposit as a funding option.

2. Bank Account Numbers
Obtain Employee Bank Account Numbers from the HSA Bank All Account Report, published weekly to the HSA Bank Employer Portal.

3. Update Payroll System
Update payroll system with the HSA deduction amount, HSA Bank routing number and employee HSA account number.

4. Contributions Post
HSA deposits are posted to employee HSA accounts electronically once received from payroll vendor.

5. Funding Results
You can pull the HSA Detail Report from the HSA Bank Employer Portal website or search via the employees tab.

Download now: ACH Direct Deposit Funding Troubleshooting Flyer

1. Getting Started

On day 1 of the GOC process prepare and submit a one-time GOC funding file via the Imports tab or manually enter contributions via the Set-up Contributions tab.

2. Review Results

From the Imports tab you will have the following options available:

• Download Exception Report (Sheet 3)
• Review & Fix

3. Track Results

We recommend that you track unsuccessful contributions and if/when the error condition has been resolved you will need to resubmit.

4. ACH Pull

On day 2 of the GOC process, HSA Bank initiates the ACH pull request from your bank. The HSA Plan Funding Collection Notification will be available within the Reports tab.

5. Funds Post

On day 3 of the GOC process, funds post to employee's bank accounts and will be available for use.

Download now: Group Online Contributions (GOC) Funding Troubleshooting Flyer

1. Getting Started

Meeting is scheduled to review the file layout, secure connection if applicable, and testing.

Return of Funds Form is required to be completed.

2. ACH or Wire Push

A clearing account will be established for you at HSA Bank. Send an ACH or Wire to the clearing account that matches the total of the funding file.

3. Submit Funding File

The text funding file is prepared and submitted via your elected option i.e. — manual or via a secure connection.

4. Contribution Process

HSA Bank processes the funding file and sends email notification to you for your records.

5. Funds Post

Funds post to employee's bank accounts and will be available for use.

Download now: HSA Bank Text Funding Troubleshooting Flyer

1. Click here to CREATE ACCOUNT. You will need your username.*

_{*If you have not received your username, please contact your Cigna Consumerism Account Specialist.}  

2. Once you have created your account you can bookmark the following URL to access the employer portal and create your password: https://employer.hsabank.com/login?partner=mycigna

1. If you need to reset your password, click the Need help signing in link under the SIGN IN button on the landing page of the portal.
2. Select Forgot password?
3. Enter your username or email address and follow the instructions.

The following guide was created to assist you with navigating through the employer portal.

Download now: HSA Bank Employer Portal Guide

If after the initial HSA employer setup is complete you need to add, update, or delete a portal access user, please reach out to your dedicated Cigna Consumerism Account Specialist to obtain the appropriate form.

A monthly report that can also be produced on demand whenever you need them.  Both a summary and detail version are generated.

Summary Version

This report will reflect all contributions that you have initiated Year to Date.

• Prior Tax Year Contributions = Contributions posted this year that were allocated to prior year.

Download now: HSA Detail Report Summary Sample

Detail Version

Provides itemized listing for each contribution posted that you have initiated to health savings accounts.

Download now: HSA Detail Report Detail Sample

Important! If funding via ACH/Direct Deposit the only way you will see the contributions on the reports is if you or your payroll vendor are utilizing the field 9 discretionary code, or you have provided the Company ID for the payroll vendor to your Cigna Consumerism Account Specialist.

A weekly report that provides valuable employee data.

• Account Status
• CIP Status
• Coverage Tier Level
• Closed Date
• Latest Debit Card Mail Date
• Employment Status
• Last Payroll Funding Date
• HSA Bank Account Numbers*

_{*only available if funding via ACH/Direct Deposit}

Download now: All Account Report Sample

Available via: Cigna for Employers

A daily report that provides you with the status of all employees enrolled in the HDHP/HSA plan.  This includes accounts that are not yet open due to needing a residence address in addition to the PO Box, Date of Birth Invalid and Invalid Country.

Download now: HSA Enrollment Status Report Sample

Provides key data related to the clearing account activity for clients funding via Text Funding file.

• Month to Date
• File Activity
• Pending Transactions
• Pending Refunds

Download now: Sample of Monthly

Provides the total ACH pull amount that HSA Bank request from your external bank account to process your GOC Funding request along with the breakdown per employee.

Download now: Funding Collections Notification Sample

Subject: Your HSA Health Benefits Debit Card is On the Way!

Dear Employee,

Congratulations! You have successfully enrolled in a Health Savings Account (HSA) with HSA Bank. 

Please Note: Your Welcome Kit and debit card(s) will arrive in separate mailings, both within 7 to 10 business days. You will receive one debit card, if you would like to request additional cards for a spouse or dependent, you will need to log into www.mycigna.com and add them as an authorized signer.

Subject: HSA Bank: Important Information about Identity Verification

Dear Employee, 

In accordance with the USA PATRIOT Act, you may receive a letter asking you to verify your identity. Please be advised that HSA Bank may close your account if you are unable to supply the proper forms of identification within 90 days of your account opening. 

Please refer to the letter for acceptable forms of identification. If you do not receive a letter requesting further documentation from HSA Bank, you may disregard this notice. 

Confirm all HSA accounts are in an open status prior to sending the following communications.

Subject: Important Information about Your HSA Contribution.

Dear Employee,

Congratulations! Your Health Savings Account (HSA) with HSA Bank is now active. You’ve taken a great step in owning your health and securing a healthy financial future.

Your first contribution is scheduled for (Date). We ask that you allow 3-5 business days for your first contribution to be received, posted, and reflected in your account. If you do not see this contribution by (date, 5 bus days after date above), please contact (ER Contact).

Confirm all HSA accounts are in an open status prior to sending the following communications.

Subject: Important Information about Your HSA Contribution

Dear Employee,

Please be advised that your Health Savings Account (HSA) contribution has been sent to HSA Bank for processing. Please allow 2-3 business days for the contribution to post to your account. 

To check your account balance, please log into www.mycigna.com.