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 1. Home
 2. Personal Savings
 3. PerfectHealth Savings Account


PERFECTHEALTH SAVINGS ACCOUNT


A CONVENIENT WAY TO SCHEDULE YOUR PAYMENTS


A PerfectHealth Savings Account (PHSA) is a tax-deductible savings account* that
works in conjunction with a High Deductible Health Plan (HDHP). The
PerfectHealth Savings Account is specifically designed to help pay for qualified
health expenses and allows you to build a tax-sheltered nest egg while having
the added benefit of allowing a broad range of tax-free withdrawals for
qualified medical expenses.


For a list of qualified medical expenses, please refer to IRS Publication 502 at
www.irs.gov.



Who Can Have a PerfectHealth Savings Account (PHSA)?


Any adult can contribute to a New York Community Bank PHSA if they:


 * 
 * Have no other first-dollar medical coverage (other types of insurance like,
   disability, dental care, vision care, or long-term care insurance are
   permitted).
 * Are not enrolled in Medicare.
 * Cannot be claimed as a dependent on someone else’s tax return.

To open your PHSA account, please complete an application and mail to the
address indicated.


DOWNLOAD AN APPLICATION (PDF)

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For more information, please call (800) 552-4395 or visit your nearest branch
location.

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*Consult your tax advisor for details.

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