RESOURCE HUB

Helping You RISE to a Healthier You

 

At Rehab Industries, we encourage employees to invest in their overall wellness. As part of our commitment to helping you “RISE” to your best self, we’ve created a wellness challenge to help you meet your physical, mental, and financial goals.

 

Your well-being is the foundation of everything—from how you show up at work to how you enjoy life beyond it. That’s why we’ve created the HSA Wellness Program, a proactive way to support your physical, mental, and financial health—while rewarding you for it.

 

Why It Matters to You

Once every quarter, the company will sponsor a plethora of health and wellness challenges that you may participate in to not only improve your health and well-being but to also gain up to a total of $1,000 towards your HSA account!

 

Whether you’re walking more, sleeping better, drinking more water, or getting financially fit, these small steps can lead to big results. Invest in this program to help build sustainable habits that help you feel better, live healthier, stress less, and “RISE” to a better you.

 

What’s Offered

 

Annual Physical Exam

To complete this challenge, employees must schedule and complete a yearly physical with a licensed medical professional.

 

Step Challenge

To complete this challenge, employees must accumulate at least 6,000 steps a day over the course of 45 days or complete a 5k run.

 

Water Challenge

To complete this challenge, employees must consume at least a half-gallon of water each day over the course of 45 days.

 

Sleep Challenge

To complete this challenge, employees must get an average of seven hours of sleep per night over the course of 45 days.

 

Mindfulness Challenge

To complete this challenge, employees must spend at least 5-10 minutes a day either journaling or meditating over the course of 45 days.

 

Financial Challenge

To complete this challenge, employees must schedule and complete a call with a Your Money Line financial coach, complete an online Your Money Line course, or attend a quarterly webinar.

 

Nutrition Challenge

To complete this challenge, employees must keep a food log of their eating habits each day over the course of 45 days.

 

Who Qualifies?

To qualify for the quarterly $250 HSA contribution employees must:

• Have Rehab Medical or Cork Medical sponsored health insurance.

• Have an active Health Savings Account with Fidelity.

• Complete and submit a wellness challenge questionnaire before the end of the current quarter.

 

If employees wish to participate in a challenge each quarter, a different challenge from the previous quarter will need to be chosen. The 5k run will be the only exception.

 

For questions, contact Jessi Harris (Rehab Medical/Forza) or Blair O'Reilly (Cork Medical).

 

How to Enroll

*Take the following steps once your medical benefits are effective.

• Register for your NetBenefits portal by visiting this link: nb.fidelity.com

• Once you have logged into your portal, click the Activate HSA link, located on the left-hand side of your screen, to complete your setup.

• Fidelity will mail your HSA card to your home address on file once this registration is complete.

 

HSA Wellness Program FAQs

 

Who decides if the money I spend from my HSA is for a “qualified healthcare expense?”

You are responsible for spending your HSA money on eligible expenses. It is also your responsibility to keep receipts showing that your HSA money was used on those expenses. You should keep these receipts with your tax filings for each year, so you can show proof in case you are audited. To view a complete list of eligible expenses, visit IRS.gov and look for Publication 502.

 

I have an HSA but no longer have a High Deductible Health Plan. Can I still use the money for medical expenses tax-free?

YES. There is no time limit on using the money if it is for eligible healthcare expenses.

 

Can I use my HSA to pay for medical expenses I had before my HSA was effective?

NO. If you elect an HSA for 2025 and currently do not have one, you cannot use it for medical expenses until your enrollment is effective in the plan year.

 

Can I use my HSA to pay for medical expenses for a family member?

YES. You can use your HSA money to pay for the expenses for yourself, your spouse, or a tax dependent (except an adult child) without getting a tax penalty. This is true, even if he or she is not covered by a High Deductible Health Plan.

 

Can I use my HSA to pay for medical services provided in other countries?

YES. However, make sure that the medical services you are receiving are eligible expenses. Elective surgery, for example, may not be considered an eligible expense.

 

Can I pay my health insurance premiums with my HSA?

MAYBE. You can pay your health insurance premiums with money from your HSA only if you are collecting federal or state unemployment benefits, or you have COBRA coverage through a former employer.

 

Do I lose my money that I contribute to my HSA at the end of the year?

NO. Money that you and your employer contribute rolls over from year to year and if you leave your company, you can take that money with you.

 

How do I use my HSA to pay my doctor at the time of service?

There are no pre-deductible copays or coinsurance, so you should not be expected to pay any out-of-pocket amount at the time of service. Instead, you should request that the charge be billed through your insurance. This will likely result in a lower bill and ensure the charge is applied to your deductible. You will then receive a bill from your doctor and an Explanation of Benefits (EOB) from UMR. You can pay this bill with the money from your HSA using your HSA debit card.