Health Savings Account Blog

United Healthcare customers who have high-deductible health plans with an HSA now carry two cards, said Daryl Richard, vice president of communications with Uniprise, a division of United Healthcare that serves large, national employers. One of the cards is a typical health insurance card, allowing health providers to determine coverage. The other is a debit card, specific to HSAs.

When introduced, the new card will combine the functions of both the HSA card and the insurance card. It will also allow physicians and other health care providers to immediately gain access to patients’ electronic medical records.

The card will not carry the medical record. Rather, it will serve as a password of sorts, allowing a doctor’s office to open a Web-based electronic medical record.

“One of the benefits to the personal health record is that when you check in at the doctor’s office, they can hit ‘print,’ and your doctor can grab it and have a much more comprehensive record at hand,” Richard said. “It will have conditions, procedures, medications with exact dates and when they were filled. It will include immunizations you and your children will have.”

Patients will also be able to add features such as family histories to their records, Richard said.

United Healthcare partnered with MasterCard to develop the new cards, using the magnetic strips on the back of MasterCard branded Health Savings Account cards to carry customer information. Card readers in medical offices are able to determine plan eligibility and make payments directly from HSAs.

Electronic health records can be accessed using a USB card reader, a piece of equipment common in many medical offices, Richard said.

“One of the joys with connectivity is that it makes health care more portable,” Richards said. “Whether it’s emergency room care or natural disasters where you have people displaced from their homes, this makes it more possible to go to a doctor’s office, and as long as they have a card reader, they can pull up your history.”

The first patients to receive the new cards will be those enrolled in consumer-driven health plans with United Healthcare, Richard said. There are about 105,500 customers in Wisconsin enrolled in high-deductible, consumer-driven health plans. Those plans also have HSAs administered through Exante Financial Services, a financial division of UnitedHealth Group that is overseen by Uniprise.

“We want to focus on customer-driven health care,” said Steve Thompson, Midwest regional director of communications with United Healthcare. “We’re talking about putting information in their hands. This allows the people who need to make those decisions to have that information first.”

After introducing the new cards to customers in Health Savings Accounts, UnitedHealth Group wants to distribute the cards to all of its 25 million customers by the end of the year, Richard said.