I recently received my 2011 enrollment package. My wife and I currently have the Cigna/HAP HSA (Heath Savings Account). The Heath Savings Account is with Chase and we have account debit cards that expire December 31, 2010. The instruction booklet says that if nothing is done my choices will carry over to 2011. I will be 65 in January and will be going on Medicare and realize that my coverage will change. My concern is that, in the package, the only choice for my wife is National BCBS PPO and not Cigna/HAP. I called Benefit Express and explained that it appears that my wife’s choice is changing, that it will not be carry over if I don’t do anything and there is no other choice. The Benefits Express Representative only would say that’s the only choice you have. I then said what about the statement that said “if you don’t do anything you choice will be carry over”. She just keep repeating, ” what does the enclosed letter say” with no explanation. I then commented that I have no problem with my wife going to National BCBS PPO but what about my Chase HSA debit cards? She said (the Benefits Express rep.) you will get new debit cards by the end of the year. I have also read, on the Internet, that there is a HSA Account service charge if you don’t have and HSA insurance plan anymore. I don’t get a warm fuzzy feeling that the Benefit Express Representative gave me good answers. I know I must not be the only person with this problem, Has anyone at NCRO heard about this problem and is there anyone that can answer my concerns?