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Wrong Ellen Laden?

Ellen Laden

Director of Public Relations


HQ Phone:  (317) 715-7111

Direct Phone: (317) ***-****direct phone

Email: e***@***.com


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7440 Woodland Drive

Indianapolis, Indiana,46278

United States

Company Description

Health insurance doesn't have to be complicated. Get competitive quotes and personalized plan recommendations from a UnitedHealthcare company....more

Background Information

Employment History




Golden Rule Insurance Company


UnitedHealthcare's Golden Rule Insurance Company

Public Relations Director

Web References(147 Total References)

Health Insurance Coverage for Newborns

www.healthquote360.com [cached]

For example, Ellen Laden, Director of Public Relations for UnitedHealthOne, states that those with individual health insurance policies have 90 days to contact the insurer and pay premiums to add newborns to their health plans.
As Laden suggests, "Be a wise consumer and on your baby checklist, make a point to call your insurer or human resources office to avoid surprises down the road."

Tax Season Tip: It's Not Too Late to Contribute to a Health Savings Account and Maximize Your 2015 Tax Savings | Business Wire

feeds.businesswire.com [cached]

Ellen Laden, 317-715-7843
Director, Public Relations eladen@unitedhealthone.com Ellen Laden, 317-715-7843 Director, Public Relations eladen@unitedhealthone.com

Media Contacts | UnitedHealthcare

www.uhc.com [cached]

Ellen Laden
(317) 715-7843 eladen@unitedhealthone.com

UnitedHealthcare Press Contacts

www.uhc.com [cached]

Ellen Laden
Ph. (317) 715-7843 eladen@goldenrule.com


"Millions of Americans still don't understand health savings accounts (HSAs) and how to use them to save on taxes and gain better control over health care spending," according to Ellen Laden, director of public relations, UnitedHealthOne, a division of UnitedHealthCare.
Laden said HSAs pair a high-deductible insurance plan with a special tax-advantage savings account. "Anyone who's not covered by another health insurance plan, including being a dependent on someone else's tax return or anyone who's not enrolled in Medicare is eligible to open an HSA," she said. She said some people think you can just open an HSA, but a high-deductible insurance plan must be included. Laden said there are three distinct advantages to opening an HSA. First, she said, health savings insurance plans typically cost less than other traditional types of insurance plans. "The kind of plan you've always been used to if you've worked for an employer where you pay a co-pay each time that you go to the doctor," she said. Laden said the HSA portion has triple tax advantages. "Any money you put into the health savings account goes in tax-deductible, there's a line-item right on your tax form," she said. "You can earn interest; you can build up those savings over time, and that interest is tax-deferred so you pay no taxes on that interest as you accrue it." She said anytime you take money out of your HSA to pay for your qualified medical expenses, "And that might include anything from your health insurance deductible to things that health insurance plans typically don't pay for. Let's say dental coverage, or vision, you need a pair of glasses or your children need braces, you can use money from your HSA to pay for those and that money is never taxed when you use it for those qualified medical expenses." Thirdly, Laden said you own the money in your HSA. "The insurance company doesn't own it. It goes wherever you go," she said. "If you move or change jobs and you have your health insurance through an employer, the money you've saved in that HSA is yours." For those who are retired, Laden said you can take money from the HSA to help pay for what Medicare doesn't pay in retirement. "Or if you want to take money out to buy a retirement home or to send your grandchildren to college," she said. "The only thing you would have to pay is ordinary income taxes once you reach age 65." Page 2 of 3 - Laden said different insurers handle HSAs differently. She said UnitedHealthOne offers a seamless process where the policyholder makes one monthly payment for both the insurance premium and the HSA, though you can also utilize your favorite local bank to open your HSA. "We have a minimum that you have to contribute, which is $25 a month," she said. "But beyond that if you want to contribute $100 a month or $150 a month, I know we have some people who are in seasonal jobs where their income is different at different times of the year, so they may contribute at different times of the year different amounts to their HSA." Laden said the law stipulates that if you are over 55 years old, you can put an extra $1,000 into your HSA each year to help you build up savings for retirement. "You really are in control of your health care spending," she said. "You decide when you want to save money, you decide when you want to take money out of the HSA." Laden said some, particularly when they near retirement, will pay their deductible out of their own pocket and not touch their HSA. "They're saving for health care in retirement," she said. "And they know that Medicare won't pay for everything, and they want those savings to build up so that when they don't have any income, they've got those savings in their HSA. If they're younger and they have kids, and the kids are going to need braces and maybe they're saving for that or they meet their deductible every year, they really want to have money that they can be able to use and set aside to pay for those expenses." Laden said the Affordable Care Act (ACA) affects HSAs in a couple of ways, including that you can no longer use your HSA money to pay for over the counter medications unless they are prescribed by a physician. "Previously," she said, "you could go buy aspirin or other over-the-counter drugs and put that on your HSA, but today you have to have a prescription to buy those over-the-counter drugs to get them to be covered under your HSA." The other change, according to Laden, affects those who are under age 65 and who take money out of the HSA and do not use it for qualified medical expenses. As an example, she said, "Let's say you get behind on your mortgage payment or you want to buy a new car or take a vacation, if you take money out of your HSA to do that, it will be taxed as ordinary income, just as it would if you are over 65, but you also incur a 20 percent penalty on those dollars." Page 3 of 3 - First marketed in 2004, Laden said HSAs are continuing to be a growing product. Since ACA open enrollment began last October, she said more than one in five of their customers who applied for their ACA plan has selected an HSA. "So they've looked at what plan might work best for their family," she said, "and about 22 percent of them have decided to apply for an HSA plan." UnitedHealthOne has set up www.HSAcenter.com to help families determine if an HSA is the right plan for them. Laden said, "It's strictly an educational site where consumers can go on and find out what an HSA is and how it works, what the benefits of an HSA are, and also we have three calculators on there." She said the calculators allow comparing different health plans to determine how much they can save. They can determine how they could save on their taxes. "And finally there's what we call the 'future value' calculator which will show that if you got an HSA today, how much over time you could save," she said. Laden said many people who shop on the web like to look at video, so the site has videos by topic, and it also includes stories of consumers who may be in a similar situation as you, in various stages of life and family development. "Sometimes people find it helpful to see how other people have used their HSA plan," she said. As people scramble to find ways to save on both their state and federal taxes, Laden said the site also provides information on how much you can deduct from your taxes for having an HSA. "But I can tell you that for the 2013 tax year, which is the one for which we're all doing taxes for now, the HSA contributions are tax-deductible up to $3,250 for individuals and up to $6,450 for a family," she said. "And remember if you're over age 55 you can deduct another $1,000." She said the 2014 deductions are posted on the HSA Center for those who are thinking about next year's taxes.

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