Additional Benefits

At HSA for America, we want to help you be smart about how you handle your medical expenses. HSAs reward informed consumers who wisely spend their medical dollars. By taking advantage of all the money-saving tools available, you can reduce your annual medical costs by thousands of dollars, and have more money in your HSA as it grows tax-free to cover future medical expenses you may have in retirement. (By the way, the first step towards saving money is to obtain an HSA-qualified health insurance plan. Complete instructions on how to get the best plan for your needs can be seen on the “How To” Guide page.)

Health Reimbursement Arrangements - Also known as an HRA, a health reimbursement arrangement is just an agreement between an employer and employee, in which the employer will reimburse the employee for the costs of health insurance or other medical expenses. This is obviously a business expense, and also a tax-free fringe benefit. If you are self-employed and have a spouse working for you, or if you have an S-corp or C-corp, this is for you. You can set up your plan online in less than 10 minutes. The cost is only a one time fee of $297, plus $97 for any additional employee other than your spouse.
$100 Deductible Supplemental Accident Plans - A majority of our clients add a supplemental accident plan to go with their high deductible health plan. These plans only have a $100 deductible, and then cover 100% for any accident, up to $5,000 or $10,000. Since most people are more likely to have an unexpected accident than an expensive sickness, an accident plan is a great way to buffer the high deductible of an HSA-qualified plan. And they're inexpensive, starting at only $22 per month.
Wholesale Prescription Drugs - One of the smartest ways to reduce your medical expenses is to be a savvy consumer when it comes to prescription drugs. HSA for America has negotiated access to wholesale prices with an international prescription mail order company, saving you 20 – 80% or more. Over 300 generic drugs are priced at just $4 each. We have not seen lower prices, and you can call and do a price comparison analysis on any drug you wish.
Lab Fee Discounts - The biggest markups in medicine are for prescription drugs and lab tests. Instead of paying full retail price for things like blood work and CAT scans, HSA for America clients and visitors have access to discounted pricing that reduces the costs by as much as 80%. Simply go online, order the tests you want, and then head to the closest participating lab to have the test run. Results are usually available within 48 hours.
Annual Comprehensive Policy Review - Because insurance premiums regularly go up, and because your needs may change, every year our insurance clients are offered a Comprehensive Policy Review at absolutely no charge. At this time we’ll run quotes on competing plans, and let you know if it might make sense to apply for a different plan. Allowing us to do this on a regular basis will likely save you hundreds or even thousands of dollars in the coming years.
International Medical Treatment - More and more Americans are traveling out of the country to receive medical treatment. High quality treatment from U.S. board certified surgeons can often be had for a fraction of what it would cost here in the U.S. Substantial savings are available on dental work, cosmetic surgery, and even things like knee replacement or bypass surgery. HSA for America partners with PlanetHospital and PlacidWay.

PlanetHospital’s on-staff doctors will consult with you about your situation, recommend appropriate surgeons and facilities, and arrange for all treatment. HSA for America clients and visitors will have their consultation fee waived, and receive an additional 10% discount on the concierge fee.

PlacidWay, a health and wellness tourism company, connects you with your ideal healthcare service provider in a location of your choice, and charges no fees. You are given a complete freedom to explore, customize, and experience healthcare options around the world that fit your personal needs, finances, and desires.
Optimal Health Coaching - People who carry Health Savings Accounts tend to have a strong belief in taking personal responsibility, for both their finances and their health. HSA for America clients and visitors have access to the same personal one-on-one health coaches that many corporations are now using to help them reduce their health expenses, at an unbelievably low cost. Use your personal coach to help you lose weight, quit smoking, get in shape, or simply improve your lifestyle habits. This personal telephone coaching is guaranteed to improve your health outcomes, or your money is fully refunded. This is a service we strongly recommend to every one of our clients.
Tax and Legal Assistance - KKO Lawyers is a nationwide tax-law firm specializing in the areas of tax, estate and business planning for small business owners all over the country. They can help you with your tax planning and asset protection structure, and they teach strategies that really work - including the use of HSAs. KKO Lawyers is a company every small business owner should at least consider when forming their advisory team for tax and legal planning.
Low Cost Term Life Insurance - The best value in life insurance is term life. Choose the amount of coverage you want, and for a period of 10, 20, or 30 years your premiums will never change. Term life rates are lower than they’ve ever been, and you have access to the lowest rates available. Get an instant quote online and apply today.
Personal Health Insurance Assistance - Not only can you access instant quotes and complete information on our website, but you can also get assistance from our friendly and knowledgeable Personal Advisors. We can help you cut through the clutter and find the plan that is best for you. To do so, simply call our office and ask to set up a telephone appointment to discuss your health insurance options, or fill out our online appointment form. Our receptionist will get some information from you (age, health status, zip code) so that your Personal Advisor can research your best options before the call. You can then discuss the pros and cons of the different plans you are considering, and get help choosing the one that’s right for you. They’ll assist you with the application, and then keep you informed while it goes through the approval process. (And then they are your personal contact, should you ever need any additional assistance!).

Apply for an HSA-qualified health insurance plan, and we’ll do our best to keep you well-informed about even more ways you can save money on your medical expenses!

HSA for America Additional Benefits

**HSA for America Additional Benefits**