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Health Savings Account (HSA)

Many people are experiencing higher premiums and reduced coverage from their employee health insurance plans. Take control of your health care costs with a Health Savings Account.

An HSA is a medical savings account that affords you the opportunity to make your own health care decisions. It serves as an account you can put money into for future medical expenses and works like a checking account. You may choose a single or family program based on your individual needs. And the best part, HSAs come with tax benefits.*

You can use the money in your HSA to pay for any "qualified medical expense" permitted under federal tax law. In general, this includes most medical, dental, hearing and vision expenses, as well as prescription drugs. You may conveniently withdraw the funds from your account in person, by writing a check or using your HSA debit card to pay for your health care expenses tax-free. (Our HSA debit card is a convenient payment method and features a special design to easily stand out in your wallet or purse.) You may also make transfers into the account and easily access your funds via internet banking (Telco Online) and telephone banking.

Control, flexibility and peace of mind. Now you have a choice in determining your health care plan.

*Please reference the Internal Revenue website at to learn more about Health Savings Accounts, including contribution limits, withdrawals and eligibility requirements. Please consult with your tax adviser for any additional information. Alabama Telco is not responsible for determining the nature of your withdrawals.

Eligibility based on approval from information obtained from credit reporting agencies and if you have not previously caused Alabama Telco a loss.

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