Health Savings Accounts

HSA FACT SHEET

In Force Policies From 2001 to 2002 Grew OVER 50%!
Policyholder Persistency (keeping policies in force) the past 6 years is 80+%! (double the industry standard).
Insureds who bought an HSA policy 6 years ago are paying the SAME Premiums as those people who buy our HSA insurance Today.
One HSA Savings pays 5% interest with no fees, no minimum balance.

YOU CANNOT FIND ANOTHER CARRIER THAT CAN MAKE THESE STATEMENTS.

FOUR Plans Available (Plan 3 not available in CA & FL)

Plan 1 – Major Medical Insurance for doctors, hospitals, prescriptions, surgery, etc.

Plan 2 – 30% Lower Cost. Eliminates coverage for Outpatient doctors and prescriptions.

Plan 3 – Maternity Covered, pays after the deductible is met, coverage similar to Plan 1.

Choice 500 Plan – Low Cost $500 deductible, 80/20% 1st 5k, then 100% of covered expenses. Coverage like Plan 2, eliminates coverage for Outpatient Dr. and Prescription.

$2 Million Dollars Coverage Per Person for all covered expenses.
ANYONE between 19yrs & 64 ½yrs can buy the insurance, they DO NOT have to be self-employed.
One deductible for entire family per calendar year, then paid 100% for all covered expenses, not 80/20%. ($500 in co-payments apply for the second injury or illness after the deductible in a calendar year.)
Contribution to the HSA is optional. Interest is 5% compounded monthly. NO Setup Fees, NO Transaction Fees and NO Minimum Balance!
Underwriting process is generally 3-7 business days.
Applicants must complete ALL health questions in their OWN handwriting.
We do not accept Motorcyclists, Racers, people who had a Critical Illness. We will accept Pilots and Underwater divers and controlled conditions.

HOW OFTEN DO RATES CHANGE? Clients who sign up will lock in the rates for 12 months. Our Rate Increases the past 7 years have been between 8%-12%, one of the lowest in the industry.

WHO IS THE PPO NETWORK & I THOUGHT YOU COULD USE ANY DOCTOR OR HOSPITAL ? The client has the BEST of BOTH worlds. You can use ANY Provider and Hospital OR use a PPO NETWORK. Do you know other companies that offer the flexibility of any Doctor/Hospital AND use of a PPO Network?

You want the best and you can use our insurance for the BEST doctors, not being concerned if he is in the NETWORK. We do have 400,000 Providers Nationwide in the PPO, go to www.nppn.com to find them or call us.

REASONABLE AND CUSTOMARY FEES? I HAVE BEEN TOLD CLIENTS CAN BE BALANCE BILLED IF THE INSURANCE COMPANY PAYS WHAT IS REASONABLE & CUSTOMARY, IS THIS TRUE????

NO. One HSA will help protect the insureds from being balanced billed and no client that has followed their instructions has been balance billed. If they must, they will even hire an attorney for the insured, should this become necessary. They will protect their insureds from having inflated health insurance premiums and keep in check the costs of hospitals charges for their services and supplies. NO ONE, NOT EVEN THE UNINSURED, SHOULD HAVE TO PAY MORE THAN WHAT IS REASONABLE AND WHY SHOULD THEY?

WHAT IF A CLIENT MOVES TO A STATE YOU DO NOT SELL INSURANCE, CAN HE KEEP THE COVERAGE? YES! They can keep the coverage ANYWHERE they move in the United States. Also, they have coverage WORLDWIDE, 24 HOURS PER DAY at Any Doctor & Any Hospital.