Annual Cost Savings Reports

Each year, HMSA members are mailed the Annual Cost Savings Report (ACSR), which summarizes their health care costs for the previous year. The ACSR includes information from your Report to Member (RTM) statements in convenient, easy-to-read charts that show:

  • The cost of your health care expenses.
  • Your out-of-pocket expenses (copayments and coinsurance).
  • The amount HMSA paid on your behalf.
  • The amount you saved as an HMSA member.

Denied claims and noncovered services won’t appear in the report.

Who receives an ACSR?

Each household member will receive a report, including minor children on the plan.

ACSRs won’t be sent if we didn’t receive any claims for you during the previous calendar year.

The benefits of receiving an ACSR

The report shows your savings as an HMSA member, which can be significant.

The report may also be used to determine where you could cut your health care costs. For example, you may be able to lower your copayments by using generic drugs, switching your medications to mail order, or by using HMSA’s Online Care service.

Tax filing information

We don’t recommend using the ACSR as documentation for tax filing or flex-spending accounts. Flex-spending accounts usually require you to keep RTMs, or Explanation of Benefit reports, as supporting documentation. Please consult a tax professional if you have questions.

To view, download, or print a summary of your specific claims information, log on to My Account, hover over Claims, and click Report to Member.

Questions about the ACSR

HMSA values your membership. If you have any questions regarding the report, please contact HMSA Customer Relations.