Frequently Asked Questions (FAQ)

Benefits Terms and Definitions

Balance Bill – When a health care provider bills a patient for the difference between what the patient’s health insurance chooses to reimburse and what the provider chooses to charge.

Copay – A fixed dollar amount you pay the provider at the time of service; for example, a $25 copay for an office visit or a $10 copay for a generic prescription.

Coinsurance – The percentage paid for a covered service, shared by you and the plan. Coinsurance can vary by plan and provider network. Review the plans carefully to understand your responsibility. You are responsible for coinsurance until you reach your plan’s out-of-pocket maximum.

Deductible – The amount you pay each calendar year before the plan begins paying benefits. Not all covered services are subject to the deductible; for example, the deductible does not apply to preventive care services.

Emergency Room Care – Care received at a hospital emergency room for life-threatening conditions.

In-Network Care – Care provided by contracted doctors within the plan’s network of providers. This enables participants to receive care

at a reduced rate compared to care received by out-of-network providers.

Out-of-Network Care – Care provided by a doctor or at a facility outside of the plan’s network. Your out-of-pocket costs may increase

and services may be subject to balance billing.

Out-of-Pocket Maximum – The maximum amount you pay per year before the plan begins paying for covered expenses at 100%. This limit helps protect you from unexpected catastrophic expenses.

Premium – The complete cost of your plans. You share this cost with your employer and pay your portion through regular paycheck deductions.

Preventive Care – Routine health care including annual physicals and screenings to prevent disease, illness, and other health complications. In-network preventive care is covered at 100%.

Urgent Care – Urgent care is not the same as emergency care. Visit urgent care for sudden illnesses or injuries that are not life-threatening. Urgent care centers are helpful when care is needed quickly to avoid developing more serious pain or problems.

Medical

What is the UnitedHealthcare (UHC) Open Access plan, and how does it work?
UHC's Open Access plan operates like a preferred provider organization (PPO) plan. It works for you in two ways: through a panel or network of physicians and other service providers (such as hospitals and labs), or through providers you select that are not in the network. Each time you or a covered family member needs care, you choose whether to see an in-network or an out-of-network provider.

Network providers are listed in your plan’s provider directory. When you use an in-network provider, also called "going in-network," you generally receive a higher level of benefits. Also, fees from in-network providers tend to be lower, because the providers and the network have negotiated to have the providers accept certain fees for certain services.

With the UHC Open Access plan, do I name a primary care physician (PCP)?
The UHC Open Access plan does not require you to name a primary care physician (PCP) or coordinate your care through a particular doctor. However, you are free to choose a primary doctor, whether or not that doctor participates in the network.

What are the advantages of obtaining my care from in-network providers?
There are several advantages when you go in-network. Generally:

You may not need to pay a deductible, or your deductible may be lower than it would be for out-of-network expenses.
You don’t need to submit claim forms and wait to be reimbursed by your plan.
Your in-network provider obtains any needed pre-authorization for you.
You generally receive a higher level of benefits because participating providers (doctors, hospitals and other health care facilities) have agreed to provide their services at lower fees.
Some plans provide preventive care services in-network that are not covered out-of-network.
Some plans limit covered services out-of-network, but offer these services without a limit on the number of visits when the care is provided in-network.

How does the UHC Open Access plan work when I go out-of-network?
Generally, you may use any covered health care provider you choose. However, your cost will generally be higher and you have certain added responsibilities. For example:

Each year, you must pay part of your eligible out-of-network expenses before the Open Access plan begins to pay benefits. This amount is called the deductible.
After you satisfy the deductible, the plan will reimburse you for a percentage of your eligible expenses and you will pay the balance. The percentage you pay is called your coinsurance percentage.
You must get pre-authorization for certain covered expenses such as a hospital stay. If you don’t get the required pre-authorization, the amount of benefits available will be reduced or the expenses will not be covered at all. This means your cost will be higher.
You must complete claim forms and file claims with your health care company to receive payment of benefits.
The plan will not cover any benefit reductions due to failure to pre-authorize certain treatments.
The plan will not cover any charges above the allowable amount.

When do I need to file a claim form?
You typically do not need to file a claim form when you see in-network providers.

When you do need to file a claim form, as you need to do in most cases when you go out-of-network, your doctor may handle your expense in one of two ways. Most doctors require you to pay the bill right away. In this case, get a receipt and file it with a claim form to be reimbursed. If the expense is covered, you will be reimbursed for part of the bill. To file a claim, follow the instructions on the claim form. If you have more than one health insurance plan and have received an Explanation of Benefits (EOB) form from another health care plan, be sure to include a copy with your claim.

Sometimes doctors are willing to wait for payment. In this case, you or your doctor will file the receipt and completed claim form with your health care company. The health care company will pay the doctor for the part of your expense the plan will cover. The doctor will then bill you for the part the plan did not pay.

What happens if I need specialty care that is not available from in-network providers where I live?
You may be referred to an out-of-network provider if you need specialized care that your health care company determines to be medically necessary and that is not available through an in-network provider in your area. As long as you use the provider you’re referred to by your health care company and follow your plan’s rules, you’ll be covered for that care at in-network benefit levels.

What happens in an emergency?
In a true emergency, get the care you need as quickly as you can. If you are able, contact member services for your health care company at the number on your ID card, even in an emergency. However, even if you are unable to contact member services, get the care you need. Even if you need to go out-of-network, your plan will cover emergency care at in-network benefit levels as long as you follow the plan rules.

Check to see how your plan defines a true emergency. Examples typically include severe bleeding, chest pain, and unconsciousness. Also check to see how soon after the onset of the emergency you must notify your health care company in order to be covered in-network.

What happens if I need care while I'm traveling?
If it's not an emergency and you need care while traveling, call member services for your health care company at the number on your ID card. Member services can refer you to an in-network provider.

In a true emergency, get the care you need as quickly as you can. If you are able, contact member services even in an emergency, and your health care company can help you decide where to go for care. However, even if you are unable to contact member services, get the care you need. Even if you need to go out-of-network, your plan will cover emergency care at in-network benefit levels as long as you follow the plan rules.

Check to see how your plan defines a true emergency. Examples typically include severe bleeding, chest pain, and unconsciousness. Also check to see how soon after the onset of the emergency you must notify your health care company in order to be covered in-network.

What is a deductible?
A deductible is the part of eligible expenses you must pay before the plan begins to pay a percentage of your eligible expenses.

Are there expenses that don't count toward my deductible?
Yes. Some of your expenses will not count toward your deductible. For example, any penalty you may pay because you failed to pre-authorize treatment through your health care company will not count. For out-of-network care, amounts your care provider charges above the plan’s allowable amount for a given service also will not count toward your deductible.

What is coinsurance?
After you satisfy the deductible, the plan will reimburse you for a percentage of your eligible expenses for out-of-network care and you will pay the balance. The percentage you pay is called your coinsurance percentage.

What is a copayment?
A copayment generally applies to in-network care. When you stay in-network, you pay only a fixed amount at the time you receive services. That amount is called your copayment.

If I use a mix of in-network and out-of-network, it seems that I could have $1500+$3000= $4500 deductible for just employee only coverage. If the single out of pocket maximum is $3000, does that also cap the combined deductible?

The in-network and out-of-network deductible and out-of-pocket maximum dollars do not cross accumulate to each other. They are separate, therefore you could be responsible for the full in-network deductible as well as the full out-of-network deductible if you are using both in-network and out-of-network doctors.

Would mental health visits be categorized as “specialist”?

Yes, they are considered specialists. On the Kaiser and UHC Open Access plans, the specialist copay would apply to an in-network office visit for Mental Health / Substance Abuse. On the UHC HDHP, you would pay the cost of the service until you reached the deductible – using a network provider means that you benefit from UHC's negotiated contract rates.

Do any of the plans cover therapy for psychological purposes?

Yes, if the therapy is needed for mental health purposes.

Do any insurance plans cover massage therapy?

UHC does not cover massage therapy.

UHC HDHP Plan + HSA plan covers certain services that don't require us to hit the deductible first. Would mental health services be covered under the services?

Only preventive care is covered prior to meeting the plan deductible.

What’s the main difference between UHC Open Access and UHC HDHP, besides the paycheck contribution?

The UHC HDHP requires that you meet a higher deductible and you pay the cost of services until you reach that deductible. However, the UHC HDHP also comes with a Health Savings Account (HSA), into which Databricks makes a contribution. Visit ALEX, our confidential, virtual support tool, for assistance in making informed benefits decisions.

For the HDHP, if I only see in-network doctors, does that mean after I spend $6,400, all expenses after that will be paid by insurance?

Yes, the in-network out-of-pocket maximum for family coverage is $6,400, and for in-network employee only coverage it is $3,200.

Can I submit a future-dated life event? When will coverage be effective?

Future-dated life events can be submitted in Workday. However, the change won’t be sent to the respective carrier until the future effective date and will be subject to normal processing time (1-2 weeks). This applies to dental and vision plans as well.

What happens to my medical benefits after my employment ends?

Your current medical benefits will continue through the last day of the month in which your employment ends.

You, and your eligible dependents, may be eligible to continue participation in the Databricks, Inc. sponsored health plans through COBRA. Your eligibility for COBRA will begin the first of the following month in which your coverage ends. A COBRA enrollment packet will be mailed to the address on file which contains information on how to continue your coverage and your costs. You have 60 days from the date you lose coverage to apply for COBRA.

I’m a Southern California Kaiser member and need a membership number. How do I get one?

The Kaiser HMO plan provides interregional coverage for employees residing in Southern California. The interregional membership is designed to provide members the same services as though they were residing in the contracted home region, with no access barriers to coverage.

Contact Kaiser Member Services at 1-800-464-4000 to request an interregional membership transfer
Kaiser will assign you a Southern California membership number

Prescription Drugs

What is a formulary?
A formulary is a list of safe and cost effective drugs, chosen by a committee of physicians and pharmacists. Formularies have been used in hospitals and health plans for many years to help ensure quality drug use.

Should I ask my physician to switch my current medications to formulary medications?
Many of the medications will already be on the formulary. However, if you have one that is not, ask your physician to choose a similar formulary product for your use.

Should I use generics?
There are many medications on the market that do not come in generic form. For those drugs that do, your pharmacist should suggest safe and effective generic alternatives.

Do drugs count towards out-of-pocket maximum?
Yes, all covered prescriptions (with the exception of the eligible preventive care, no cost share drugs which are covered at 100%) are applied towards the plan deductible.

Dental

Is there a rollover of my annual maximum with Dental Dental?
The Delta Dental plan includes a rollover of up to $600 of the unused portion of the annual maximum from the preceding calendar year, to a cumulative total of $1,500. In order to qualify for the rollover, all claims paid on behalf of the member during the preceding calendar year must not exceed $800, and there must have been at least one preventive claim for covered dental treatment during the preceding calendar year.

Can a family member be on dental coverage without being covered on a health care plan?

Yes, you can have dental coverage without selecting one of the health care plans.

What happens to my dental benefits after my employment ends?
Your current dental benefits will continue through the last day of the month in which your employment ends.

Vision

For VSP, does the plan cover both glasses and contact lense fitting or do I need to choose one or the other?

You would need to choose one or the other.

Are the VSP limits lower for out of network as a reimbursement rate to non-preferred providers or do they limit the actual coverage amount?

The non-preferred providers have not agreed to the discounted rates that preferred providers have so you may pay a higher amount when using a non-preferred provider. If you have an out-of-network expense, you would submit a request for reimbursement up to the out-of-network allowance.

What happens to my vision benefits after my employment ends?
Your current vision benefits will continue through the last day of the month in which your employment ends.

Life and AD&D

When are life insurance benefits paid?
Life insurance benefits are paid to your beneficiary if you die while coverage is in effect. Some plans do not provide benefits if you die from certain causes, such as war or injury while you are committing a felony.

When are accidental death and dismemberment (AD&D) insurance benefits paid?
Accidental death and dismemberment (AD&D) benefits are paid if you die as the direct result of a covered accident that occurs while coverage is in effect. AD&D insurance benefits are paid if you suffer certain severe injuries as the direct result of a covered accident that occurs while coverage is in effect. Such benefits are often expressed as a percentage of the total death benefit payable. If you suffer several covered injuries as a direct result of the same accident, the plan will typically pay 100% of the total death benefit payable, but no more. Some plans do not provide benefits if you die from certain types of accidents.

What is voluntary life insurance?
Voluntary life insurance is the amount of optional life insurance coverage your employer offers you. You elect whether or not to enroll for supplementary life insurance coverage.

When are voluntary life insurance benefits paid?
Voluntary life insurance benefits are paid to your beneficiary if you die while coverage is in effect. Some plans do not provide benefits if you die from certain causes, such as war or injury while you are committing a felony.

What is voluntary AD&D insurance?
Voluntary AD&D insurance is the amount of optional AD&D insurance coverage your employer offers you. You elect whether or not to enroll for Voluntary AD&D insurance coverage.

When are Voluntary AD&D insurance benefits paid?
Voluntary AD&D insurance benefits are paid to your beneficiary if you die as the direct result of a covered accident that occurs while coverage is in effect. Voluntary AD&D insurance benefits are paid to you if you suffer certain severe injuries as the direct result of a covered accident that occurs while coverage is in effect. Such benefits are often expressed as a percentage of the total death benefit payable. If you suffer several covered injuries as a direct result of the same accident, the plan will typically pay 100% of the total death benefit payable, but no more. Some plans do not provide benefits if you die from certain types of accidents.

What is dependent life insurance?
Dependent life insurance is life insurance coverage on the lives of your eligible dependents, such as your spouse and dependent children.

When are dependent life insurance benefits paid?
Dependent life insurance benefits are paid to you if the covered dependent dies while coverage is in effect. Some plans do not provide benefits if the dependent dies from certain causes, such as war or injury, while the dependent is committing a felony.

Does enrolling for life and AD&D insurance require me to provide evidence of insurability?
Whether or not you must provide evidence of insurability depends on your plan. Your plan may require evidence of insurability for any of the following:

Insurance over certain dollar amounts
Enrollment at any time after insurance was first offered
Increases in insurance amounts
Dependent insurance

How do I name or change my beneficiary?
For many people, the largest inheritance they leave is the life insurance through their employers. It's important to name a beneficiary(ies) to receive this insurance if you die, and to keep this designation up to date. If you name multiple beneficiaries, be sure to indicate the percentage or fraction of benefits payable to each, or indicate that the benefit is to be paid equally among survivors. To name your beneficiaries, most plans require you to complete and sign a beneficiary form, or to name your beneficiaries on your enrollment form. You may wish to consult an attorney before you name your beneficiaries, especially if you are naming dependent children or a trust. It's a good idea to name a primary beneficiary(ies) to receive benefits if you die, as well as a secondary beneficiary(ies) to receive benefits if your primary beneficiaries are not alive to receive your benefits. You can generally change your designation at any time.

What happens to my Basic Life/AD&D (and Voluntary Life/AD&D) benefits after my employment ends?
Your coverage for Basic Life/AD&D and Voluntary Life/AD&D for you and covered dependents will end on your last day of employment.

For your Basic Life and Voluntary Life coverages, you may be eligible to port (continue your coverage through a group life trust) or convert (continue your coverage through an individual life insurance policy) these policies to an individual policy. Voluntary Child Life coverage cannot convert.

Your Basic AD&D and Voluntary AD&D coverages are not eligible to port. However, if you port your Life coverages, you will have the option to elect a matching AD&D amount. Conversion is not available for AD&D.

Information about porting or converting coverage will be included in your offboarding packet.

Disability

LTD PLAN

What is a long-term disability (LTD) plan?
A long-term disability (LTD) plan is designed to work with other sources of disability income to replace part of your income if you become disabled as defined by the plan. LTD plan benefits generally begin after an elimination period, and end at the earliest of:

When you are no longer disabled as defined by the plan, or
You leave your employer for any reason other than a covered disability when you reach the limit for receiving LTD benefits, which for many plans is an age limit, or
Your Death

How does the LTD plan work with other sources of disability income?

The LTD plan is designed to replace a percentage of your eligible pay up to a dollar maximum. Other sources of disability income, including benefits you are eligible to receive from Social Security Disability Insurance Benefits and Social Security Old Age Insurance Benefits, typically count toward that percentage.

What is an elimination period?
An elimination period (also known as a waiting period) is the length of time that must pass after you become disabled as defined by the plan and before LTD benefits begin. Sometimes LTD benefits begin after benefits under a short-term disability (STD) plan end.

What happens to my short-term disability (STD) and long-term disability (LTD) benefits after my employment ends?
Your coverage for short-term and long-term disability will end on your last day of employment. You cannot convert these plans to individual coverage.

Flexible Spending Accounts (FSA)

Dependent Care FSA

What is a dependent care flexible spending account (FSA) and how does it work?
A dependent care flexible spending account (FSA) allows you to set aside pre-tax dollars from your pay to cover eligible child/adult care expenses that allow you to work.

What are pre-tax contributions?
Contributions you make to an FSA are made on a pre-tax basis. This means your contributions are taken from your paycheck before federal, FICA, and most state and local taxes are withheld. You also get an immediate advantage from contributing pre-tax dollars, as each pre-tax dollar you contribute lowers your current taxable income, reducing the current federal income tax and FICA tax that you pay. In most cases, you'll also pay lower state and local income taxes.

Although pre-tax contributions reduce your current income for tax purposes, they don't lower it for determining your company benefits that are based on pay.

Do I need to enroll to participate in an FSA?
Yes, you must enroll if you want to participate in an FSA. To continue participating after your initial enrollment, you must re-enroll each year during open enrollment as your elections do not automatically continue from one year to the next.

How do I contribute to an FSA?
You fund your FSA(s) with pre-tax dollars that are deducted from your pay in equal installments throughout the year.

How do I estimate my dependent care FSA contributions?
To estimate your future expenses, first review similar expenses you've had over the last couple of years. Also consider any changes to your child/adult care needs that you expect may occur during the year.

It's important to carefully estimate your expenses before you decide how much you want to contribute to the dependent care FSA each year. Be conservative in your estimate since you forfeit (lose) any balance that isn't used by the claims filing deadline. On the other hand, if your expenses dramatically exceed the amount you contribute to the FSA, you miss out on some tax savings.

What are eligible expenses for the dependent care FSA?
To be an eligible expense for the dependent care FSA, it must be:

For care of children under age 13, or for care for your lawful spouse or other eligible dependent who is incapable of self-care
For day care, babysitting and housekeeping related to this care
For payments to relatives who care for an eligible dependent and who are not claimed as a dependent on your federal income tax return (including your child if the child is at least age 19 and not claimed as a dependent)
For before- and after-school care programs, if the expenses are itemized separately from the tuition expenses
To allow you to work and, if you are married, to allow your spouse to work or attend school full-time

In addition, these rules apply to the dependent care FSA:

Reimbursed expenses lower the amount you can claim on the Federal Dependent Care Tax Credit
Contributions may be limited depending on the employment status and income of you and your lawful spouse.

Are there expenses that are not eligible for reimbursement under the dependent care FSA?*
Yes. Expenses that are not eligible for reimbursement under the dependent care FSA include:

Supplies such as food, clothing or diapers
Tuition for education of an eligible dependent (including kindergarten)
Expenses for transportation to and from the care provider, or to pick up a baby-sitter
Expenses for which you use the Federal Dependent Care Tax Credit
Expenses for eligible dependents for whom you claim the Supplemental Young Child Credit
Expenses for overnight summer camps
Health care expenses (reimbursable only through a health care FSA)

*This may not include every ineligible expense. Please review your benefit portal should you have any questions on an expense.

When may I change my FSA contributions?
You may change your FSA contributions each year during open enrollment. You may also change your contributions during the year if you experience a mid-year qualifying life event.

How do I file a dependent care FSA claim?
You can file a Dependent Care FSA claim online through the HealthEquity website or via mail or fax.

Dependent Care Claim Form

When am I reimbursed for dependent care FSA expenses?
When you file a claim, you are reimbursed for the amount of eligible expenses up to the current account balance remaining in your account (contributions to date minus any previous reimbursements).

Here's an example. Jose elects to set aside $480 each calendar year ($40 a month) for his dependent care FSA. In January, he files a claim and is reimbursed for the $30. In March he files a claim for $200 and is reimbursed for $50 ($80 contributions for January and February minus the $30 claim already reimbursed). The $150 difference ($200 claim minus $50 reimbursed) remains an eligible expense and will be reimbursed as Jose continues to make monthly contributions to his account.

What if I have an expense late in the year, and don't get the bill until the following year? How do I file the claim?
An FSA claim is eligible for reimbursement in the year in which it is "incurred." An eligible expense is considered "incurred" on the date the service or treatment is provided, not on the day you pay for it. If the service or treatment will extend beyond the end of the year, only expenses incurred during the plan year for which you are contributing to your account will be eligible for reimbursement in that plan year. If you have FSA accounts in both years, you will file part of the claim against one year's account and part against the next year's account.

What happens to contributions left in my FSA at the end of the year because I didn't file claims against them?
Because of the favorable tax treatment provided by the FSA, government regulations require that the money you contribute to your FSA only be used for eligible expenses incurred during that same year. However, you may submit claims for a given year up to your plan's claims filing deadline (such as March 31) in the following year. Any money left in your account(s) after the claims filing deadline is forfeited. You cannot use one year's contributions for the next year's expenses.

Here's an example. Joseph enrolls for an FSA and elects to set aside $500 a year. By the claims filing deadline of the following year, he has only filed claims for $450. He forfeits the $50 difference. Joseph does not, however, lose the tax savings on that $50.

What happens to my Dependent Care Flexible Account (FSA) after my employment ends?
Contributions to your account will stop with your last paycheck. However, you have 90 days after your employment ends to submit claims for eligible expenses incurred up until your last day of employment. Unused funds in your account after that date are forfeited.

What happens to my FSA if I die during the year?
Your contributions to your FSA stop. However, until the claims filing deadline, your beneficiaries can continue to file eligible expenses you incurred prior to your death.

Databricks offers both a health care FSA and a dependent care FSA and I participate in both. Can I shift money between my FSA accounts?
No. IRS regulations require the accounts to operate separately. You cannot use your health care FSA for eligible dependent care expenses, or the reverse.

Health Care FSA

What is a health care flexible spending account (FSA) and how does it work?
A health care flexible spending account (FSA) allows you to set aside pre-tax dollars from your pay to cover eligible healthcare expenses (medical, dental, vision and hearing) for you and your eligible dependents.

What are pre-tax contributions?
Contributions you make to an FSA are made on a pre-tax basis. This means your contributions are taken from your paycheck before federal, FICA, and most state and local taxes are withheld. You also get an immediate advantage from contributing pre-tax dollars, as each pre-tax dollar you contribute lowers your current taxable income, reducing the current federal income tax and FICA tax that you pay. In most cases, you'll also pay lower state and local income taxes.

Although pre-tax contributions reduce your current income for tax purposes, they don't lower it for determining your company benefits that are based on pay.

Do I need to enroll to participate in an FSA?
Yes, you must enroll if you want to participate in an FSA. To continue participating after your initial enrollment, and you to re-enroll each year during open enrollment as your elections do not automatically continue from one year to the next.

How do I contribute to an FSA?
You fund your FSA(s) with pre-tax dollars that are deducted from your pay in equal installments throughout the year.

Databricks offers both a health care FSA and a dependent care FSA and I participate in both. Can I shift money between my FSA accounts?
No. IRS regulations require the accounts to operate separately. You cannot use your health care FSA for eligible dependent care expenses, or the reverse.

Can I use an FSA to pay for an eye laser procedure?
Yes.

Is there a list of eligible FSA expenses?
You can look up eligible FSA expenses at: https://www.healthequity.com/fsa-qme

What happens to my Healthcare Flexible Spending Account (FSA) after my employment ends?
Contributions to your account will stop with your last paycheck. Your debit card will be deactivated as of your date of termination. However, you have 90 days after your employment ends to submit claims for eligible expenses incurred up until your last day of employment. Unused funds in your account after that date are forfeited.

Health Savings Account (HSA)

What are the benefits of an HSA?
An HSA offers the opportunity for you to set aside tax-free* money to pay for out-of-pocket health care expenses. Since the HSA is your bank account, the unused funds roll over year to year. If you leave the company, the account goes with you. HSAs are also a great retirement savings account. You can contribute up to the annual IRS maximums (including the age 55+ catch-up contributions) with pre-tax dollars to pay for health care after you retire.

How does an HSA work?
HSA works in conjunction with a HDHP. All the money that you or your employer (if applicable) deposit into your HSA up to the maximum annual contribution limit is 100% tax-deductible for federal income tax, FICA (Social Security and Medicare) tax, and in most states, state income tax. HSAs are not frontloaded, meaning whatever funds you put into your account will be available to you at that time.

Are HSAs really tax-free?
Yes! HSAs give you a triple tax advantage: your contributions to the HSA are not taxed, payment of qualified expenses is tax-free, and earnings are tax-free.*

Keep in mind, there are a few important rules you need to follow. If you use your HSA funds for expenses the IRS considers eligible, the money remains tax-free.* If you use funds for ineligible expenses, you will pay applicable taxes and an excise tax penalty (currently 20%).

* State taxes may apply in CA and NJ

Who is eligible to open an HSA?
• You must be enrolled in a qualified High Deductible Health Plan (HDHP).
• You cannot be covered under another non-qualified health plan, including your spouse’s Health Care Flexible Spending Account.
• You cannot be enrolled in Medicare or Tricare.
• You cannot be claimed as a dependent on someone else’s tax return.

How much does Databricks contribute to my HSA?
Databricks contributes up to $1,120 (individual) / $2,240 (family) for 2024, which is prorated based on the coverage start date. Contributions are deposited to your HSA on a per paycheck basis.

Can I use my HSA to pay for medical expenses for my partner?

You can use HSA funds to pay for anyone who you can claim as a tax dependent (you cannot be claimed as a dependent on another person’s tax return).

Can you have a HSA and be enrolled COBRA?

In order to contribute to an HSA, you cannot have any other health coverage that is not also a qualified high-deductible plan (HDHP). If the Cobra plan is a qualified HDHP, then yes.

If we get married can we change our HSA contribution at that time?

You can change what you want to contribute to the HSA at any time throughout the year.

Just to confirm, the HSA kicks in AFTER I have paid my deductible outside of HSA?

You can use HSA funds to pay your HDHP deductible. The HDHP plan benefits kick in after you have met your HDHP deductible.

Can you use the HSA to pay for the medical plan deductible and/or the plan copay?
Yes, you can use HSA funds to pay deductible and coinsurance expenses.

Can I use my HSA card in another country to pay for medical services?
Yes, you can use your HSA funds; however services rendered outside of the US are not covered by the health plan, except for emergency situations.

If I don't have enough funds in HSA, can I pay out of pocket first and reimburse myself once I have enough funds?

Yes, as long as the services were rendered after the date the HSA account was opened.

Can I use HSA card if I am using it in another country for some medical issues?

Yes, you can use your HSA funds; however services rendered outside of the US are not covered by the health plan, except for emergency situations.

Do we receive an HSA ‘debit card’ to pay for eligible expenses? How do we reimburse ourselves?

When you enroll in an HSA, you will receive a debit card to directly pay for eligible expenses. You can also submit claims online through your own personal account, or pay out of pocket and reimburse yourself later.

What happens to my Health Savings Account (HSA) after my employment ends?
Contributions to your HSA will stop with your last paycheck. The balance in this account belongs to you and will remain available for eligible healthcare expenses. You may keep your account open with the HealthEquity - monthly fees will apply dependent on your account balance. If you decide to rollover your account, a fee may apply. If you have any questions, please contact HealthEquity Member Services at 877-924-3967. You can find additional information related to managing your account, tax information and more at learn.healthequity.com.

Employee Assistance Program (EAP)

Does EAP include people in your home that are not dependents?

The EAP includes your eligible dependents as well as those with familial connections, such as parents, grandparents, cousins, etc.

How do I access EmployeeConnect (EAP) ?

To access services through our EAP:

Call 888-628-4824
Download the GuidanceNow mobile app
Visit www.GuidanceResources.com (Username: LFGSupport; Password: LFGSupport1)

Commuter

What happens to my commuter benefits after my employment ends?

Contributions to your account will stop with your last paycheck. A guide will be provided in your offboarding packet with details on how to access any remaining funds depending on the type of balance/card you elected. If you have any questions, please contact HealthEquity’s Member Services team at 877-924-3967.

401k

I’m a new hire and can’t register for a Fidelity account. Why is that?

New hires won't be able to register as a new user or access the Databrick 401(k) Plan through their existing Fidelity account until the earliest the week following their start date.

How can I opt out of the auto-enrolled at 3% to the 401k plan?

If you choose to opt out of participating in the 401(k) plan, you must change your contribution rate to 0% within your first 60 days with Fidelity.

What is the process if I think I’ve over contributed to my 401k?

If you are a new hire, review your payslips from all current year employers (including Databricks) to confirm the total amount of all elective deferrals (both pre-tax deferrals and designated Roth contributions) and determine whether you have exceeded any annual 401(k) plan limits. If so, follow the steps below:

Login to Fidelity’s website netbenefits.com and set your 401k deferral to 0% for the remainder of the year.
Complete the Return of Excess Contributions Form and include redacted copies of your pay records.
Upon receipt of the required documentation, your request will be submitted to Fidelity Investments to process a refund of your excess contributions.
Current year contribution requests must be processed no later than next year’s April 15 tax deadline.

Frequently Asked Questions (FAQ)

Benefit Acronyms

Are HSAs really tax-free?Yes! HSAs give you a triple tax advantage: your contributions to the HSA are not taxed, payment of qualified expenses is tax-free, and earnings are tax-free.*

Are HSAs really tax-free?
Yes! HSAs give you a triple tax advantage: your contributions to the HSA are not taxed, payment of qualified expenses is tax-free, and earnings are tax-free.*