How the right hsa provider can support your employees’ health and security health care conversation dolor sacro lumbar causas

This is an exaggeration, of course. But for many consumers, those bills can represent big problems, such as how to pay for their health care, how to plan for future care and how to achieve financial security rotoescoliosis lumbar izquierda in the face of rising medical costs.

Optum Bank recently conducted extensive research on what consumers have been saying about health care and health spending. Specifically, we looked at actual conversations they were having on social media. The research clarified for us what people need in the current health care environment, and how a Health Savings Account (HSA) provider can help them as well as employers, providers and health plans.

• Consumers hernia discal lumbar sintomas don’t understand HSAs. A mere 1 percent of these social media conversations included acknowledgment that health savings accounts could offer a path to health care financial security.


More often, they discussed only the short-term benefits escoliosis dorsal derecha sintomas.

• Consumers expect simplicity and transparency. Instead of getting problems resolved quickly and easily, consumers describe negative experiences with their HSA provider’s customer service representatives. They bemoan long sintomas de escoliosis lumbar transfer wait times and don’t understand fees.

• Digital engagement in other areas raises expectations. As an example, consumers readily use their mobile devices for daily banking. 90 percent of mobile banking customers prefer that method over visiting a branch in person, one study showed. HSA providers should be offering a product that is similarly streamlined and accessible.

• The payment experience is important, and each generation demands different options. Millennials are far more likely to use mobile problemas lumbares wallets and payment apps; GenXers make more use of credit cards. In fact, Millennials and GenXers make up nearly half the population enrolled in HSA plans.

A well-managed HSA can provide clear benefits for consumers dolor lumbar derecho rinon – though they need guidance to understand how to maximize those benefits. The vast majority have no idea how much to save in the long run or even what a regular savings rate should be for their needs.

But let’s return to the first word in HSA: health. People making decisions about their health insurance are cirugia hernia discal lumbar consumers of health care first and consumers of financial services second. The services need to become a part of their day-to-day life. It is not as simple as just getting them to open an HSA.

Moreover, the product must be tailored to its customers: HSA providers need to be able to treat them as individuals who vary greatly in life stage, health state, lifestyle, spending decisions, risk personality and other factors. HSA providers can’t do that rx de columna lumbar normal if they don’t have the ability to really know their customers.

In today’s world, personal health care and finances are intimately linked. Long-term health care security is an important part of long-term financial security. Companies that want esclerosis lumbar to help their employees reach their health and financial planning goals should look for these five characteristics in an HSA provider:

Matt Renfro, Chief Innovation and Product Officer of Optum Financial Services. In this capacity, his primary responsibilities include product management, strategy and innovation of Optum Bank consumer dolor lumbar menstruacion accounts and Optum Bank Payment Solutions.

Prior to joining Optum, Matt worked for Fidelity Investments, supporting institutional clients in relationship management, product and operations. Matt has over 8 years of financial services experience and graduated from Northeastern University in Boston, Massachusetts.