InMoment has partnered with UnitedHealthcare to provide you with one of the nation's largest networks of doctors, hospitals, and pharmacies. We have both a High Deductible Health Plan (HDHP) and Traditional PPO plan available to you. The HDHP enables you to take advantage of the tax savings provided by a Health Savings Account (HSA), and allows InMoment to make employer contributions into your personal HSA account.

Please note that your out-of-pocket costs will be lower if you use in-network providers. By using in-network providers, you are protected from being balance billed if the provider normally charges rates higher than the maximum reimbursable rates accepted by UnitedHealthcare. Out-of-network providers who charge above those limits are allowed to bill you for those additional charges. This includes out-of-network providers you don’t actually choose yourself when selecting an in-network facility, such as emergency room doctors, anesthesiologists, radiologists, etc. Although these providers will be paid at the in-network coverage level once your deductible has been satisfied because they provided services to you from an in-network facility, that coverage will only be provided up to the maximum reimbursable rate allowed by United Healthcare, and you could be billed by the provider for any denied additional charges over that limit.

For both the HSA and FSA, please be aware of 2023 increased maximums:

• HSA ─ Optum Bank, Employee Only annual maximum increased $200, from $3,650 to $3,850, Two-Party & Family tiers increased $450, from $7,300 to $7,750
• FSA ─ Optum, annual maximum limit has increased $200, from $2,850 to $3,050