"Your company is very personable, pleasant to deal with and patient with all my questions.  I was new to HSA's and wanted to make sure I had a good understanding of what it was."

Most agents don't take the time to really get to know you and what you're looking for, they are in a hurry, rushed and often just trying to make a commission.  Your company is very personable, pleasant to deal with and patient with all my questions.  I was new to HSA's and wanted to make sure I had a good understanding of what it was.

Everyone I talked to was very nice and helpful - answered all my questions.  Tim Holt actually called me after hours twice to answer questions.  I have recommended you to a few others and will continue to do so.  Keep up the good work!

Linda Nelson
Lenexa, TX

"When Pam was denied you kept looking into other insurance..."

We have been very satisfied working with you.  You even called me on your day off to give us some information regarding our application we consider that to be above and beyond customer service.

When Pam was denied you kept looking into other insurance options without giving up just because she was denied by someone.

It has been a pleasure working with you.  I will continue to talk to people I know that are looking for health insurance and recommend HSA for America to them.  Thanks again to Paula Santamaria for being so personable and professional.

We look forward to continuing our relationship with you and hope this insurance will work out well for us.

Pam and Paul Harrison
St. George, UT

"Tim Holt responded quickly to my initial request, provided helpful information, walked me through the process, was accessible whenever I had questions and made me feel like my business was important to him and your company."

I had a great experience purchasing insurance.  It was refreshing.  Tim Holt responded quickly to my initial request, provided helpful information, walked me through the process, was accessible whenever I had questions and made me feel like my business was important to him and your company.  Tim has been terrific, polite, accessible and very knowledgeable.  He helped me narrow down the choices to the best option for me and clearly explained how to set-up and use my HSA.

I found you online and decided to call to get additional information. The customer service and response by Tim Holt was so outstanding that I decided to proceed.

Rosario Holguin
Communications Director
El Paso, TX

"I would certainly recommend you to others and feel you are offering a valuable service to all of us who are frustrated with the current health care system."

About a month ago I received notice that our health insurance was once again going up.  It has more than doubled in the last 5 years.  I decided it was time to do something.  I had received e-mails from your company, due to some research I had done on the internet previously, so I decided to give you a try.  When I got into your website and did some comparisons between insurance companies, I was overwhelmed and that is when I called.  I was connected with Mark Rigdon and we talked about the options that were available and what he thought would be the best HSA plan for my husband and I.  He recommended Humana One.  I couldn't believe how he helped to speed me through the process by calling Humana for me and setting up an online application.  Within 2 hours I had applied and we were accepted.  The process went so smoothly that I have not had to contact Mark since.  My new insurance is in effect and I am saving about $500/month.

The frustrating part for me was trying to figure our what insurance was best.  Your website provided me with the ability to compare companies but it was almost overwhelming.  Luckily, I decided to call you directly and Mark was able to get me past the frustration and help me with the selection process.

I chose your company because of the e-mails I kept receiving which would usually have not effect on me.  Normally, I just delete e-mails of this type.  The timing of the e-mails just happened to coincide with a need to find a new plan.  I am very impressed so far with the service I have received, both initially and follow up information.

I would certainly recommend you to others and feel you are offering a valuable service to all of us who are frustrated with the current health care system.

Diane Rumsey
Edmond, OK

"We were really impressed with the service and the straightforward answers."

This is the first time I have ever shopped for health insurance.  My wife and I just got married and our dependent-status on our parents´ plans were cancelling.  However, we were really impressed with the service and the straightforward answers.  I never felt like my leg was pulled.  When I needed to have some questions answered in order to buy intelligently, I called your office and was quickly served, no holding and no slimy responses.

The service was terrific, both professional and warm.  I really appreciated the information that was sent via the newsletters, which seemed like an honest evaluation of HSA´s, openly not recommending them for everyone and warning of the costs as well as the benefits.  We were approved quickly.  I would say we had a very good experience.

Cory Shain
Patskala, OH

"I'm a physician and I've trumpeted the cause for portable insurance with higher deductibles for years.  I'm glad you are out there getting the word out."

I enjoy your news letter and almost always learn a lot of good tips.  As a skier who broke my leg 4 years ago, I can relate to your snow boarding story.  I think I will purchase an accident policy based on the benefits that you outlined.

I'm a physician and I've trumpeted the cause for portable insurance with higher deductibles for years.  I'm constantly running into patients that don't have any health coverage.  Most say they can't afford it.  That's when I launch into my speech about how it is really affordable, but the major players in the pre-paid health care industry (third party payors is the politically correct term) don't want people to know that they can afford alternative coverage that is actually less expensive!

Convincing people that first-dollar benefits are very expensive to insure is not easy.  You have done a very good job of getting the message out.

I'm glad you are out there getting the word out.  Thanks from those of us in the health care industry who are concerned about access and affordability and helping us get back to a point where price shopping, supply and demand and other market forces keep prices in check.  I long for the day when networks are a thing of the past and insurance is truly portable.

I've actually referred a couple of patients to your website as an information source on HSA's and high deductible plans.  I've got to be careful not to endorse any certain broker or company, so I emphasize the HSA part of what you do and encourage them to educate themselves as much as possible and find the plan that fits their needs.  The uninsured often argue the reasoning for paying a premium for a deductible that they never meet; I use the example of one week stay in the ICU after an accident or major orthopedic surgery which could easily be 50-100k.  I tell them a $10,000 bill won't bankrupt you but a $100,000 bill certainly could.

Robert Nelson, MD
Pickerington, OH

"I must compliment you for your service and personal attitude, especially in a world that seems to have forgotten ‘customer service.’ I am indeed fortunate that I ‘found’ HSA for America on the Internet by accident – or divine intervention."

“I am pleased to write you this letter.  I was very lucky to ‘happen upon’ HSA for America in my internet search for health insurance. It was very difficult comparing plans - there are so many and so much information to try to sort through.  Most insurance brokers are not knowledgeable and are only working with plans they either sell over and over or that they are familiar with.  They do not take the time to figure out what exactly the individual is looking for and then try to find a plan that would help you the most.  There is so much information to go through and it takes a lot of time.”

“I had an excellent experience with Brian McFadden.  He had a way to make me feel that he was personally interested in my insurance needs and not just in making a ‘sale.’  He was understanding and not pushy.  He provided just enough follow-up to make me know he was there but not so much that it became annoying.  He was knowledgeable and very helpful.”  

“I was searching for an HSA plan specifically because of the lower premium and the tax savings.  I feel that I am very fortunate in having ‘happened upon’ HAS for America on the internet. I would recommend your company and have in casual conversation when the topic comes up on health care insurance.”

“Thank you - your organization and the people who work for you are all excellent.  They are understanding, compassionate and extremely knowledgeable and helpful.  They make a very difficult process very easy.  Your website provides so much information - everything from the plans, to where to get an HSA account and other insurance - all in one place which really helps. I must compliment you for your service and personal attitude, especially in a world that seems to have forgotten ‘customer service.’ I am indeed fortunate that I ‘found’ HSA for America on the Internet by accident – or divine intervention.”

Clarice Deslauriers
Port Richey, FL

"You provided excellent service and you really made the job of finding the right coverage for me easy.  I can't think of anything you could do better."

I was looking specifically for a HSA compatible plan when I came across your site.  All the important information is certainly there and easily accessible.  I learned about the many investment options available through HSAs from your site.

I will definitely fund my HSA, in fact I will probably go ahead and pay my premiums and medical expenses out of pocket (post-tax), because I want to maximize my tax free compounding interest in the HSA account.

My previous insurance plan cost nearly $1,000/month with $5,000 deductible and 10% coinsurance thereafter.  My HSA compatible plan costs $194/month with $10,000 deductible and pays 100% thereafter.  Even if we meet our deductible we are about even with the old plan.  If we remain healthy we will be well ahead.

My only regret is that I did not act quickly enough to have my plan in place before the new year, so my maximum contribution is slightly lower this year.  I have to say, though, that you did warn me about this in your emails.

You provided excellent service and you really made the job of finding the right coverage for me easy.  I have already recommended you to others.  I can't think of anything you could do better.

Rob May
Ypsilanti, MI

"The worst part of shopping for insurance is making sure you are getting the best coverage for your money and understanding what you are getting.  I would never have chosen a high deductible but you explaining it so well helped me understand my choice."

“I would like to say that you made my choice of insurance much easier, made me understand and were excellent in response to every e-mail I sent to you with a question. The worst part of shopping for insurance is making sure you are getting the best coverage for your money and understanding what you are getting.  I would never have chosen a high deductible but you explaining it so well helped me understand my choice.”

“It was nice not being hounded by a million calls from agents saying they have the best and not explaining anything.  Your company has been awesome, the welcome phone call, and they seemed to really care if the experience was good and what else they could do to help. I cannot say enough about you, I have told everyone how great you were in handling all of my questions, emailing right away and even taking the time to talk to me on the phone. I thank you for that very much and I would tell more people to look at this insurance.”

“The HSA allows me to have money set aside for medical care until I have met my deductible and I like that there is a place to do this. Thank you so much for being there on a personal level. That is so important when making an insurance choice.”

Pam Fennig
Oconomowoc, WI

"Rather than calling an 800-number, complete with standard keypad quagmire and a random person picking up the phone, I was calling Anthony - a person I knew and trusted, and who never failed to make time for me."

“I have been downright dismayed at shopping for insurance with brokers who sell only one type of insurance, and are not at liberty to say whether another insurance company's policies might fit me best.  In contrast, Anthony Norris was able to guide me through the hundreds of quotes I received on your engine, and give a professional, unbiased opinion on which company and plan was best, and most inexpensive, for me.”

“Anthony provided only the highest level of service.  I tend to be a fairly cautious consumer, and he was happy to answer my many questions, over the course of several calls.  Rather than calling an 800-number, complete with standard keypad quagmire and a random person picking up the phone, I was calling Anthony - a person I knew and trusted, and who never failed to make time for me.  What a difference it makes to have a person on your side - it saved me loads of time!  Anthony also brought a wealth of information to bear on the process, and was able to field even the most obscure questions I had.”
   

Terran Palmer-Angell
Graduate Student
Del Norte, CO

"The website is easy to work with, but your biggest assets are your representatives… He was informative, relaxed and obviously had the in-depth knowledge I wanted to tap into."

“I found your company to be very easy to work with.  The website is easy to work with, but your biggest assets are your representatives.  I liked the follow up via email (persistent but not pestery);  the key though was the conversation I had with the representative.  He was informative, relaxed and obviously had the in-depth knowledge I wanted to tap into.”

“I also like the follow up I have been getting since I made the decision and so far all is well. I will recommend you to others. Thanks.”

Jeff McCabe
Nashville, IN

"He was very accessible and answered all of my questions."

“My purchasing experience was good.  I received information requested and was assisted in getting underway with a new plan. Tim Holt informed me of the different types of plans and helped me to get those underway.  He was very accessible and answered all of my questions"

“We chose HSA for America to lower premiums, to switch over from Cobra, and to start a tax free health savings account.  These are the things I think you do best."

Lisa Gunter
Jacksonville, FL

"Paula was fantastic. She helped decipher the policies for me, made recommendations after she found out what I was looking for and even pre-qualified me with a company due to exclusions for a child on a previous policy."

“I have already been on an HSA plan but had to change due to moving to a different state.  The frustrating part of choosing a plan, even within the HSA plans, is knowing what exactly is included/excluded in the policy. The main benefit of having an HSA-qualified plan is saving money. For a healthy family of 6 our total deductible + premiums is less than what our premiums would be on a traditional policy.”

“Paula was fantastic.  She helped decipher the policies for me, made recommendations after she found out what I was looking for and even pre-qualified me with a company due to exclusions for a child on a previous policy.  Her follow up was tremendous.” 

Jill Rowe
Las Vegas, NV

"I appreciate the personal touch and the idea that I have someone to contact, by name, if I have any questions."

“I've had very little experience in shopping for individual policies because my employers have provided insurance for me.  Hoyt Hillman did the research for me and gave me several options which made it easy then for me to choose the one I wanted. I have received excellent service and Hoyt has been great to work with.”

“I appreciate the personal touch and the idea that I have someone to contact, by name, if I have any questions. I would recommend your company”

Sharon Womack
Office Manager
Tomball, TX

"Thank you and your team for the help that you gave in assisting me in selection of an insurance company that would fit my needs."

“Thank you and your team for the help that you gave in assisting me in selection of an insurance company that would fit my needs.  Diane Dunning took the time to explain various policies that aided in my decision.”

“I did not want insurance people calling me to try and sell what I was not looking for. Your website did not do that. And I appreciate it.”

Mary Ann Sullivan
Jacksonville, FL

"I value excellent customer service and many of my decisions related to business came down to the level of service and wisdom and Hoyt exceeded my expectations."

“I have been dealing with Hoyt Hillman on Health Insurance and I wanted to let you know that I am highly pleased with the service he provided. The professionalism and knowledge was outstanding. I value excellent customer service and many of my decisions related to business came down to the level of service and wisdom and Hoyt exceeded my expectations. He has a rare quality that I wish 99% of the businesses and people for that matter had in this world. Businesses have sacrificed the excellence in customer service for cheaper, less experienced folks.”
 
”Mostly, I would like to thank you for the service and excellence Hoyt hosted my husband and I in our search for Health Insurance. I will surely allow others to know of his work and recommend to anyone I know that needs this type of business.”

Melissa McKinley
Killeen, Texas

"Chelsea Miller has been very friendly…so far, so good! Everything was simple and straightforward."

“It was really great shopping for and purchasing insurance through you company!  It was easy to use and y’all have been very friendly and personable…y’all have been fantastic thus far.”

“Chelsea Miller has been very friendly…so far, so good! Everything was simple and straightforward. Y’all are just easy to work with, no problems what so ever. I am currently trying to get my girlfriend to sign up.”

Claude Mask III
Lafayette, CO

"I found comparing the plans on my own a little difficult. Then Anthony called and he was able to filter right in on the plan with the right coverage and premium."

“My experience with your company was easy and fast. I worked directly with Anthony Norris. He was able to sift through the many plans available to find the right one for me. I found comparing the plans on my own a little difficult. Then Anthony called and he was able to filter right in on the plan with the right coverage and premium.”

“I chose HSA for America because it offered the most plans to compare. Anthony's phone follow up clenched the deal.”

Michelle McRoberts
Colorado Springs, Colorado

"Diane Dunning was outstanding.  Thanks for helping make my transition to ‘real’ insurance a smooth one"

“Diane Dunning was outstanding. Thanks for helping make my transition to ‘real’ insurance a smooth one.”

“I think the most frustrating part of the process is the ‘understanding.’  I really wonder sometimes if the laws as they apply to health insurance are written more for the benefit of various insurers as opposed to consumers. It's almost as if the process is designed to steer the consumer away from freedom of choice and into some ‘directed’ or ‘universal’ program.”

“I am a title insurance agent in New York (soon to relocate to Florida).  My industry is certainly different than yours, but I like to think that my professional life lends itself to a better understanding of insurance products in my personal life.  When it comes to health insurance, this is absolutely not the case.”

“I don't know that your company can do much to change the process.  But if I were in your position, I would be doing everything possible to simplify the process despite the laws aimed at complicating it, and I would be promoting the concept of ‘choice.’  I can now choose how my health care dollars are spent -- not some cubicle worker at an insurance company.”

“You've got a superb organization, so I'm betting my thoughts aren't new to you or to your company. Diane was outstanding. Thanks for helping make my transition to ‘real’ insurance a smooth one.”

Jay Trunzo
Nokomis, Florida

"I think the personal service was the greatest thing. I had several questions in the beginning and I think it is wonderful that I can call Leslie any time with questions."

“I was very happy with my first phone call with Leslie Hires. I had a list of questions and she answered all of them and made me feel like I was making the right decisions. She was friendly and comfortable to speak with.”

“I have not had insurance before and was taking the time to figure out if an HSA was the right thing for me. The biggest benefit for me is that I am healthy and young, so I rarely need a doctor’s attention aside from the normal check-ups. I see this choice as an investment, and I like that the money isn't just disappearing.”

“I think the personal service was the greatest thing. I had several questions in the beginning and I think it is wonderful that I can call Leslie any time with questions.”

Jessica Rodriguez
Sherman Oaks, CA

"Mark stepped right in and helped me to find the policy best suited for me."

“My experience with HSA for America and Mark Rigdon has been excellent. Mark stepped right in and helped me to find the policy best suited for me. In the past I had a lot of frustration about what percentage would be paid by the insurance company after the deductible was met. Mark found me a policy that pays 100% after the deductible is met for less money. I would, and have, highly recommended HAS for America to some of my friends. I highly recommend Mark Rigdon as an agent as well. He made this a very pleasurable experience.” 

“Thank you!!!”

Becca Stewart
Buellton, CA

"Thank you for recognizing and communicating effectively the substance of our premium acceptance issue, and for being dependable and pleasant."

“Chelsea, thank you for your help. You represent yourself, your agency and the insurance company very well.  It took some time and effort, but we accomplished the right thing.”

“You also made my experience with your company more agreeable by your focused conversation and follow up.  Thank you for recognizing and communicating effectively the substance of our premium acceptance issue, and for being dependable and pleasant.  You put together all the right things for excellent customer service.”

David Finck
Washington, MO

"Linda is the greatest agent…No pressure but always there to help."

“My experience was great.  I was flooded with emails after searching online for health insurance but HSA was recommended by my Doctor.”

“Linda is the greatest agent…No pressure but always there to help. Thanks.”

Stan Taylor
Loveland, CO

"Luke would answer my questions after thoroughly researching the problem."

“My shopping and purchasing experience with your company was excellent. Luke Kempen was excellent. He is knowledgeable and helpful- he responds quickly and thoroughly. Luke would answer my questions after thoroughly researching the problem.”

“I have traveled in the US and to South Korea to speak on MSAs (now HSAs).  I think the key to promoting this very important insurance in the US is a simple, yet thorough approach, which you have accomplished.  You all are doing a great job.  If you ever need anyone to support HSAs, let me know.”

Shelley C. Giebel, M.D.
Belton, TX

"I love the site and I will be visiting frequently!"

Just wanted to let you know I DO agree with the personal responsibility aspect of health coverage.  I have been in this industry for 12 or so years and I can say that the sick rise up the rates for the well.  Imagine on a large scale if things change and the government has a hand in it.  Could you imagine what our taxes would be then?

If you sit around, eat chips and fast food, drink sodas and smoke then it seems obvious you will not be well.  These are the people that drive up costs.

Health insurance companies pay astronomical amounts on claims that are for people like this but, funny how they don’t have to be told to change their lifestyle.  You wouldn’t believe (or actually you probably would) some of the claims and clinical info I see that prove this.....daily.

We all have bad days or get ill every now and then, but these folks seem to believe as long as someone makes a pill for something, then it is ok to keep doing the same thing.

Anyhow, I love the site and I will be visiting frequently!  Thanks for reading my rant.

Have a wonderful day!

Cara

"He contacted me promptly and didn't give up, answered questions, and most importantly…he listened to me and didn't try to push the deal of the day; and he knows his stuff."

“Scott Porter was great. He contacted me promptly and didn't give up, answered questions, and most importantly (2 items actually) -he listened to me and didn't try to push the deal of the day; and he knows his stuff.”

“I have done this before and find the plans and payments confusing. It is sometimes difficult to know what you have ‘purchased.’ I have thought I bought one thing and then find many items I wanted and expected to be covered, were not. There have been add-ons (memberships in consumer groups) that the company implies are required until you really press them. Oh, the 'memberships' cost additional money that they simply add to your monthly fee. The rates go up each year, even when you have no claims and are healthy. I dislike having to pay for other people's health status.”

Laura Westerberg
York, PA

"After getting a quote on line, with much skepticism, I called and got Diane Dunning by phone and she was such a knowledgeable and friendly assurance that I felt confident with her answers."

“I respect your approach to doing business and caring about the feed back of your clients.
First, I would say that I searched a lot for insurance which was frustrating at best.  I had worked with the same agent for oh, at least 15 years, probably more but was not getting the options I found acceptable so was surfing for answers.” 

“Health insurance has become so expensive that I do not understand how many people can pay for it.  My situation is certainly not ‘normal.’  I am out of the country probably more than I am in and have had ex-pat coverages but plan to hang for a while and was no longer qualified for my out-of-country coverage.” 

“After getting a quote on line, with much skepticism, I called and got Diane Dunning by phone and she was such a knowledgeable and friendly assurance that I felt confident with her answers.  I contacted my long term agent and told him what I had found and gave him a chance to match the coverage and price and he could not.  She is truly an asset to your company and I say that also once an insurance employee for 11 years.”  

“As far as your company/agency, it is Diane Dunning that was your greatest asset...hands down.  I feel like I could call her at any time with questions or concerns…Kudos to Diane!!!”

Shirley Bador
Summit, CO

"Finally… a break in the medical / insurance industry racket!"

Dealing with insurance issues has never been any fun, but I found between your site’s info and your quick and efficient handling of my questions, I was able to make a good decision in less time and move on.  I’ve sat in the same room with insurance guys who couldn’t make the process as clear to me as you did through your web site.  I’ve already passed your name on to several friends, something I never did with my former insurance agent/broker.

At this point, our new HSA-qualified plan only covers a major medical situation, so my family is covered if we do need “MD” type services, yet my out of pocket expenses for the plan itself are $1,300.00 less per year.  In a nutshell, I pay considerably less for my insurance, get a tax break on the money I use for my healthcare expenses, my healthcare money can grow if I don’t need it and I never lose it if I don’t use it.  Finally it’s a bit of a break in the medical / insurance industry racket.

For me and my family, it’s all about staying healthy and for now, HSA’s are the best and least expensive way to assist that while having a backup plan in case we need one.

Hope these comments are useful for you and give you an idea how pleased I am with your service and the decision I was able to make for me and my family.  Please let me know if I can be of any further help to you.

George Briggs
PCPlex.com
Scottsdale, AZ

"You are saving me so much money!  Thank you!"

You are saving me so much money!  You found the perfect program suited for my needs.  Thank you!  I was looking for a cheaper premium and better service than what I had, and I found that with you!

I was paying Mega Health a premium of $133.00 per month and if I remember correctly, I had certain benefits where they would cover up to a certain amount for certain things, but then I had a deductible of $2,000.00....for accidents...I think... It was very confusing.

With Mega Health, I didn't really know all that I was or wasn't covered for.  And since I thought I was covered for doctor visits, etc. I went a few months ago for a check up.  So when I started getting bills which now total $400.00 so far... I decided it wasn't worth spending $133.00 a month if I was going to have to pay most of the bill anyway!

I now pay a premium of $58.00 a month and my deductible is $2,700 which my HSA will be adding up to here in the next year.  I actually understand what I have and what I'm covered for and everything.

I didn't know there was anything like an HSA out there.  It is perfect for someone who never goes to the doctor.

Over all, I didn't have to pay a $120.00 start up fee with you, I'm saving $75.00 per month from what I was paying, and I'm able to deduct from my taxes what I deposit into my HSA, which will save me more money!  And for someone just recently married and starting out in life, $75.00 adds up very quickly.  That's $900.00 a year that I'm saving.  Thank you!

I would definitely recommend you to others!  You've been very helpful when I had questions and prompt with calling me back.  I like the fact that I can call you anytime with a question, and the fact that you will always look for a better premium for me if my current one goes up.  You guys are awesome!

Naomi Hilleshiem
Administrative Assistant
Cedar Rapids, IA

"I've spent some time on my local talk show (which covers most of the northern half of California) talking about your website."

People complain about the high cost of healthcare but are not doing anything about it.  I found out about your website and thought it was beneficial enough to tell my audience.  It is a great resource for people who want to learn more about Health Savings Accounts.  I've spent some time on my local talk show (which covers most of the northern half of California) talking about your website.

Tom Sullivan
News Talk 1530 KFBK in Sacramento CA

"Your customer service really sets you apart from most other companies."

After researching HSA's, we settled on Golden Rule and somehow were connected with your agency.  My experience has been great with your agency...no complaints.  Your customer service really sets you apart from most other companies.

Susan Parry
New Smyrna Beach, FL

"The personalized service I've received has been excellent: responsive, informative, clear, and helpful."

There are many things that really set you apart from other insurance consultants.  These include your communication ability, both written and spoken, and your non-manipulative approach to providing useful information.

Quality customer service is all but gone in today's automated and formulaic "service" economy.  It is nearly non-existent in the insurance industry.  But the personalized service I've received has been excellent: responsive, informative, clear, and helpful.

I have told a lot of my friends about you.  I have never recommended an insurance consultant before but I told people just because it was such a pleasurable positive experience.  Their question is: "What other states can you provide service to?

Joy Amulya
Fort Collins, CO

"We don't often get sick and so we've wasted thousands of dollars paying high monthly health insurance premiums.  Finding out about Health Savings Accounts couldn't have come any sooner."

My husband and I are both self-employed and more often than not we've looked for ways to maximize our tax savings.  We don't often get sick and so we've wasted thousands of dollars paying high monthly health insurance premiums.  Finding out about the Health Savings Account couldn't have come any sooner.  It was the perfect match for us. After setting up our HSA we found that the resources out there were minimal.  We knew all about the potential savings of having an HSA but no one ever explained the rules until HSA for America.

In February 2006 I read about HSA for America and your newsletter Maximize Your HSA, and my husband and I decided we should subscribe.  Our first newsletter was received in February and we received a wealth of information about how to maximize our HSA.  We were thrilled to find a resource that not only educated us, at no cost and also pointed us towards useful resources.

For many years we've done our eye exams at the very same office and never thought to question the cost or even to shop around.  Thanks to HSA for America we did some comparison shopping and found a specialist that did the very same eye test for 51% less than what we had paid in past years.  We've also become more proactively involved in how our healthcare dollars get spent and have thus realized a higher level of healthcare.

Maggie & Bo Aina
White Plains, MD

"You were very knowledgeable, and were able to answer questions that no one else was able to, not even the sales reps at the United Healthcare home office."

Thank you for helping me set up my HSA plan.

I was previously covered with a Blue Cross Blue Shield group policy, but had just left my place of employment to start my own business.  After speaking with many local agents, and calling some insurance carriers direct, I called you to get one last set of quotes.  You were very knowledgeable, and were able to answer questions that no one else was able to, not even the sales reps at the United Healthcare home office.

I asked you to find the lowest priced HSA plan available to me in Surprise, Arizona.  The plan you quoted me was priced about $50 less than a plan I was considering from United Healthcare.  When I told you about that quote that I had already received, I was surprised that you suggested I take that plan over the less expensive plan you had quoted, even if I did not buy from you.  You told me that you thought that the United Healthcare plan would be a better value because it has a higher lifetime maximum, the insurance company has a higher A.M. Best rating, and the company has a reputation for better customer service.

Even though it was going to cost you the sale, you told me the truth rather than giving me bad advice just to make the sale.  I was impressed with your directness and honesty.  I also like the fact that I can contact you anytime I need help, rather than having to deal directly with the insurance company.

It was for these reasons that I decided to get the United Healthcare plan from you at HSA for America.  I would add that a decision of this magnitude deserves the assistance of an honest and knowledgeable personal representative.

Since I've been approved, you have continued to provide quick and comprehensive answers to my questions.  All I can say is Wow!  I truly feel that you went beyond my expectations in providing this service.  My family and I thank you.

James Trefry
Surprise, AZ

"Our medical insurance is now costing less than half of what it was before we got an HSA (we're saving over $3,500 a year in premiums), and we can save federal-tax free."

I very much appreciate what you have done for my wife and I.  HSA for America offered us a great variety of plans to choose from.  Our medical insurance is now costing less than half of what it was before we got an HSA (we’re saving over $3,500 a year in premiums), and we can save federal-tax free.

HSA for America provides outstanding service.  Most other companies have you on hold and entering numbers on the phone until you are completely fed up.  While you provide all the questions and answers.  I did not even have to ask questions - you have provided all the questions and answers for me.

I talk very favorably to my friends about your company.

Beryl Sanders
Loomis, CA

"The thing that sets you apart from the other companies is that you responded and then followed through with all the various recommendations you gave me."

My experience with HSA for America was great.  I chose to do business with you because you responded quickly and efficiently to my email request for information.  I got the advice I was looking for and all my questions answered in a timely manner.

The thing that sets you apart from the other companies is that you responded and then followed through with all the various recommendations you gave me.  My experience with several other companies was that they made the initial contact and then I never heard from them again.

I have already passed your name to others.  I'm very happy with the change in coverage, it is really working out well for me.  Thanks again for all the time and patience in getting me set up.

Rita M. Lingwood
Fair Oaks, CA

"I felt the benefit of working with your company was that in one place I could review a variety of health care options and choices with Mark and find the best plan to suit my family’s needs."

“I found Mark Rigdon very knowledgeable about all the different health care options.  I felt that he was thorough and did his very best to answer any questions that I had.  I would recommend your company to others and have already done so.”

”I felt the benefit of working with your company was that in one place I could review a variety of health care options and choices with Mark and find the best plan to suit my family’s needs. Thank you.”

Catherine Shank
Moab Utah

"I love the idea of HSAs philosophically because it reintroduces capitalism into the medical profession where it no longer exists."

I love the idea of HSAs philosophically because it reintroduces capitalism into the medical profession where it no longer exists.  I like the idea of the consumer actually being the payor of services rendered.  I think that's the ultimate price control.  If I don't like the price, I take my business elsewhere.  I get to make the decision about what can/can't be spent on my medical care.

From a practical standpoint, I hate paying $7,200 in premiums per year for services not needed, especially if I still need to pay the $1,500 deductible.  So that's $8,700 dollars paid before I really start "benefiting" from owning insurance.  I can afford the premiums, but it's just not a financially sound use of my hard earned dollars.  I make enough income to fund a few thousand dollars per year of out of pocket dental and preventive medical expenses.  I believe if everyone switched to the HSA concept, there would be no discussion of the high costs of medical care for the average American.

Joy Amulya
Research Associate and Lecturer, University of Colorado Health Sciences Center
Fort Collins, CO

"I am most pleased with your service/company and agree with you that I have not seen such customer service any place else."

I am writing to again thank you for your help and information during my search for a health insurance plan.  I am most pleased with your service/company and agree with you that I have not seen such customer service any place else.  I will indeed pass your name and your company's name on to others or let you know when I get a rate increase.  Bye for now.

Kevin Aho
Painter
Shelton, CT

"We would recommend your services to any and all who are interested in saving a lot of money on health insurance."

We are very pleased with our first HSA shopping experience.  You provided valuable advice which enabled us to choose the right plan for us both in Michigan where we live now, and in Oklahoma where we will be living in the next few months.  We would recommend your services to any and all who are interested in saving a lot of money on health insurance.

David White
Anesthesiologist
Stevensville MI

"I am very happy with the Insurance premium and your service!!!!"

I had employer-provided benefits prior to my interest in HSA's.  When my employer raised our biweekly contribution to over $60.00, I looked into HSA's.  I couldn't believe the savings they could provide for me (a single, healthy female)!

I actually tried to get as much info on HSA's as possible and presented the information to my employers hoping they would decide to go in that direction.  I realized that they would STILL save money if they provided everyone with an HSA and even funded it for them.  I think because it was "out of the box" thinking, they declined but I went ahead and started one for myself.

I am currently saving about $50.00/month in premium, as my employer once again raised employee contributions.  Why more people and employers don't do this is beyond me.  I think if you're a fairly healthy person, the potential for saving is REAL.

I don't fund my HSA.  I figure I will pay for my services as I go.  I still save money!!  I am very happy with my HSA.  It seems to be the wave of the future.  Finally, we have an option.

I am very happy with the Insurance premium and your service!!!!  My experience has been pleasant applying for insurance and most people told me it would be a hassle.

Marsha Noecker
Medical Billing Manager
Reading, PA

"I feel like I have a personal advisor who is interested in my family and its needs"

My experience working with HSA for America has been great.  I feel like I have a personal advisor who is interested in my family and its needs.  What really sets you apart from other companies I have done business with is the personal touch.

I have recommended you to others, and will continue to do so.  Keep up the good work.

Greg Wilber
Service Administrator
Aliquippa, PA

"You made the entire process very easy"

You made the entire process very easy.  You suggested a policy, I examined your suggestion, shopped your rates, and concluded you were offering what I needed at a fair price.  I have recommended you to others and am adding a link to your firm on a website that I own.

Bo Rathgeber
Palos Verdes Estates, CA

"I really appreciate your level of communication"

I contacted you after my partner found you on the web, signed up and felt good about the process.  So far I am impressed! I really appreciate your level of communication, and efforts like the Maximize Your HSA newsletter that helps me save money.

Marguerite Ogle
Longmont, CO

"This was the smoothest experience we've ever had getting health insurance"

This was the smoothest experience we've ever had getting health insurance.  I don't really remember how we stumbled on to your web site, but I'm glad we did.

Judithe Bernthal
Retired
Blairsville, GA

"The service and support have been top notch"

I chose your company because your web site was very informative and answered all my questions about the benefits of an HSA plan / account.  The service and support I received from your company (Fred) has been top notch.  Very fast responses to emails.  Your web based business model and great follow-up set you apart in my mind.  Keep up the good work.

Greg Kreitner
Attorney
Muscatine, IA

"The HSA for America web site is the best I’ve seen – a wealth of information"

The most frustrating thing about shopping for health insurance has been getting good unbiased advice from a knowledgeable firm.  I have been literally hounded by salesmen marketing "insurance" that was really just a discount medical plan.  In addition, working directly with the insurers themselves was sometimes frustrating - as their representatives were typically not very responsive.  With HSA for America, I received prompt and courteous service from knowledgeable representatives.  The HSA for America web site is the best I've seen - a wealth of information for somebody shopping for an HSA eligible insurance policy as well as HSA account administrators.

Thanks for your advice and service - I hope we can continue a mutually beneficial relationship for years to come.  When the opportunity presents itself, I will definitely recommend HSA for America.

John Janney
Anthem, AZ

"I appreciate your involvement with Habitat for Humanity, and your involvement in the music industry"

Shopping for health insurance has always been a headache, because it can get very confusing.  Making a good decision on a plan is very time consuming and stressful.

The main benefit of having an H.S.A. plan is that I spend money on my medical expenses when I need them, instead of paying high premiums when I don't.

So far, I have had a great experience with HSA for America, and I would recommend your company to others.  I appreciate your involvement with Habitat for Humanity, and your involvement in the music industry.  Great job!!!

Ryan Hiller
Musician - RyanHillerMusic.com
San Diego, CA

"I have received superior service"

I have had a positive experience and feel I have received superior service.  I don't spend long hours on hold waiting to speak with someone.  You either answered my questions quickly or obtained an answer from Golden Rule quickly.  I have already recommended you to others.  And your Maximize Your HSA newsletter provides great information.  Keep sending them!

Vickie Haberbosch
Sales Manager
Lakeland, FL

"The attention you pay to your customers is remarkable"

We chose to do business with you because your website was so thorough and explained HDHP's and HSA's so well. The service has been above and beyond my expectations.  You guys are awesome!  The attention you pay to your customers is remarkable.  I already have and plan to continue to recommend you to others.

Glenn Robinson
Carpenter
Breckenridge, CO

"Application is extremely straight-forward, customer-friendly, quick and intuitive"

What's normally frustrating in searching for health insurances is the lack of easy access to all the offers on the market, the difficulty to compare the different plans.  The service you offer is a comprehensive chart listing all available plans with their features and prices so it was easy for me to find the most suited option at my fingertips.  I can run quick comparisons between plans to see the differences in coverage and price.  The online paperless application is extremely straight-forwarded, customer-friendly, quick and intuitive.

Fred has been very promptly responsive to my inquiries and makes me feel like he's there to help me out throughout the life of the plan.  When he says he will always be looking for price changes and have recommendations if a different plan is needed, I feel like he's helping me managing my plan and I don't to worry if I'm paying too much.

Trung Nguyen
Computer Analyst
Denver, CO

"You Made It Easy To Compare Prices and Services of the Different Plans"

I am very pleased with your service.  Your email response to my questions was very quick and thorough, and you made it easy to compare prices and services of the different plans.

The service has been quick and thorough, and really beyond expectation.  I like that you deal directly with the health insurance company for me, so I didn’t have to through their phone system to ask for an additional insurance card.  Thank you for handling it for me!

Holly Weise
Austin, TX

"Thanks for all the good advice"

Okay, I've finally set up and funded my HSA, with HSA Bank.  So far so good.  I'll be moving more money into it this month and then adding as much as possible in later years.  Great savings vehicle.

The frustrating thing about shopping for health insurance is the complexity.  I don't have the attention span to read through these kinds of contracts, so I have to just assume that most of what I'm skipping is boilerplate that has been looked over and approved by more patient people.  Having you doing that is a big comfort.

The fact that you consolidated the plans and the HSA providers was a big help.  Just doing a Google search would have turned up a lot of them, but with no sense of which are legit and which are scams based in Russia or someplace which will disappear as soon as they've got my money.

Thanks for all the good advice!

John Rubino
Moscow, ID

"I have told everyone I know about HSAs and HRAs and your company"

I have told everyone I know about HSAs and HRAs and your company because I feel everyone should have more knowledge and control over their health care and finances.  The main benefit is putting our money where we have control over it and having a tax shelter for our savings.  Your service differs because it includes information and access to products and opportunities that help cut health care costs for everyone.

Keep up the good work.

Joseph Yesville
Nashville, TN

"I felt your advice and information was objective and I didn’t feel pressured at all."

I felt pressured by other agents to choose a certain policy even if it didn't meet my requirements.  I liked your website because I could compare plans and companies by price and coverage and knew that it would qualify as an HSA plan.  I felt your advice and information was objective and I didn't feel pressured at all.  I felt your service was personalized and appreciate all the follow up info.

All in all it was a great experience, great service.

Brigette Haram
Martinez, GA

"I am very, very satisfied with the service I received from HSA for America."

I am very, very satisfied with the service I received from HSA for America.  I had shopped around for a health insurance plan two years prior to contacting your organization, and was not able to find a suitable plan.  Part of the problem was that I was not aware of the option of opening an HSA account.  Then I became frustrated when I discovered that in order to open an HSA account, I needed to switch my insurance plan to an HSA-certified health plan.  But, this frustration was diminished by finding your web site and organization.  Everyone was helpful, considerate, and quick to respond to my questions.  I now have a plan in place, and I have recommended you to two of my friends who are facing loss of their insurance (as they move to freelance positions, rather than as employees). Thanks again.

Rebecca Nunnelee
Santa Monica, CA

"My husband is now free to plan a retirement date."

I worked through a private insurance broker before and got no help, no answers to questions, and was refused by every company with no negotiations.  I couldn't figure out what happened, and I got no answers to my questions.  I was reluctant to try again.  But my husband, who I had a group plan with, wanted to retire and couldn't because of my insurance.  So, I tried again, this time through you.

I always got prompt email responses from you or Kristy during the long process of filling out applications and submitting them.  I felt that your company had an eye on the apps and kept me well informed as to the progress.

I have had a good experience with your company, and my husband is now free to plan a retirement date.  We are grateful.

I have the recommendation package to give to the first person who begins to talk about getting an individual health plan.  As a Marriage and Family Therapist, I am in contact with many people in private or small group practices, who speak often of not having healthcare.  I will pass it along at the first opportunity.

Susan Carter
Marriage and Family Therapist
La Verne, CA

"The resources available on your site have been a great asset."

My experience has been great and the service has been great.  Both you and Kristy have been easy to get in touch with, especially through e-mail, and you have both been very quick and informative in answering my questions.

I was already paying a great deal of medical expenses out of pocket because of my daughter’s ear infections that were not covered.  With this HSA plan I can at least get a discount from the Dr. visits and a tax advantage for the visits I was paying full price for in the first place.

I have always found insurance annoying and felt many of the agents pushed me into specific directions without concern for what would work best for me, but out of more concern about which company would give them the biggest commission.  Your company has been different because you were very helpful.  You answered my questions and gave me advice, but I never felt you pushed me into a specific decision because of what it may do for you.

My only other comment is to say thank you for your help and I appreciate the work you have done in educating me in HSAs, and the resources available on your site have been a great asset!

Angie Coleman
Indian Trail, NC

"The difference of $600 a month was the first of many benefits that I found appealing."

Your company has been so helpful in my search for an HSA compatible insurance policy.

When I heard about the high deductible HSA policy's I started a search on the internet and found your web page.  Your web page was so informative that right away I started gathering your information and talked to my employer about setting up a policy that we could both work with.  The difference of $600 a month was the first of many benefits that I found appealing.  The second was that the savings account earns more interest then our regular savings and it is tax free.  It is a win win situation.

In the year that has followed you have kept me in the know with regular emails and I so appreciate them.  Thank you for being consistent in sending out those emails!  Then when I decided to get the policy going your web page gave me all the information I needed.  I did make one phone call and one email with another question and within just hours of my call or email I had the answers I needed.  Thank you again for being so helpful.

The main benefit is a toss up for us, one is the savings of $600 a month and the other is that we get to be in control of what we spend the HSA account on.

Would we recommend your company to others that would be a definite YES.  Keep up the good work and thank you for helping us!

Susan Gray
Alta, CA

"Shopping for health insurance was a nightmare. Using your website made it so much easier."

“Shopping for health insurance was a nightmare. Using your website made it so much easier. The service from Luke Kempen was awesome. He was very helpful, and responded to all my email questions promptly. I have already recommended your company to others.”

“All in all your company did a great job.”

Lura M Williams
Williams International Inc
Charleston SC

"Everyone in America should know about the option to have an HSA."

This was the first time I shopped for an independent plan.  Always felt constrained by signing up for an employer's expensive plan.  Your services were personal and all my questions were answered timely and in an easy to understand fashion.

You guys were great.  Very helpful and seemed as if you really cared about my family getting the best for our money.

What do I see as the main benefit of having an HSA-qualified plan?  Less premiums!  We were paying a high premium with my husband's company (through Coventry of Kansas) and all the time they were telling us they wouldn't cover something.

Everyone in America should know about the option to have an HSA.  You should do more advertising!

Amy Castillo
Language Teacher
Kansas City, MO

"As a CPA with over 500 clients, I expect to be recommending HSA's and your company to many of them."

My experience with your company and my personal advisor Brian McFadden has been excellent.  Brian McFadden is a valuable asset to your organization.  He is knowledgeable, polite, friendly - a born sales person.  The service has been timely, informative, valuable and appreciated, and I would definitely recommend your company to others.

As a CPA with over 500 clients, I expect to be recommending HSA's and your company to many of them.

Jim McCleary
McCleary & McCleary, P.A.
Plantation, FL

"I chose HSA, to be honest, because Leslie kept emailing me offering her assistance."

Woo-Hoo!  Thanks Leslie, you've been a great help.  I have already established my HSA at my local bank, so that's all taken care of.  Thanks again for everything, and believe me, I'm trying to let as many people as I can know about the wonderful help I received from HSA for America and the benefits of HSA's.

Leslie Hires was a great help with deciding what insurance I was going to go with.  I had tried to do this on my own and there were just so many options and companies to choose from.  I gave her a list of the things I wanted my insurance to cover and in return she came up with the best plan individualized for me.

I have worked with Leslie on a couple of different occasions.  She seemed to have an immense knowledge of the different plans that would accommodate to my needs.  With her help I was able to find the best plan.

I chose HSA, to be honest, because Leslie kept emailing me offering her assistance.  I had a couple of different companies trying to contact me, but I called her first and I'm really glad I did.  Her guidance was what I felt was the best

Thanks again for everything.

Tess Bowden
Maricopa, AZ

"He (Tim) was always prompt in calling us back and was very knowledgeable and helpful in determining what plan would work for us.  We wish all customer service experiences were as good as this one.I believe Tim has strong expertise in the available plans."

Our shopping experience was stress free and extremely pleasant.  We talked to Tim Holt several times during our enrollment process.  He was always prompt in calling us back and was very knowledgeable and helpful in determining what plan would work for us.  We wish all customer service experiences were as good as this one.

HSA for America employees were all great and helped us get through the process quickly and efficiently.  We don't think you could have made this a more positive experience for us.  We chose to do business with HSA for America because the website was so informative and easy to navigate.  We spoke to Tim early in the summer and then had to delay our decision for quite awhile due to some personal problems.  Tim kept in touch but was not pushy.  We appreciated his professionalism and patience.  He answered all of our questions promptly and got back to us on a few things he was not sure of.  It was a refreshing to deal with such professionals.

Frank and Carol Gerome
Coppell, TX

"I was pleasantly surprised at how easy the online process was.  I did not expect to have an answer so quickly."

I was pleasantly surprised at how easy the online process was.  I did not expect to have an answer so quickly.  The communication I received was impeccable.  I did work with Diane Dunning and I was extremely happy with the assistance she provided me.  I had some questions and she answered each one very expeditiously.

I think, hands down, it is the communication & professionalism of Diane as well as the selection of Insurance Companies that you offer that made me choose HSA for America.

Let me just say that for me, and I am sure most would agree, I want the process to be fast, simple and 'painless.'  You delivered on that in a big way.  Time is such a commodity in today's fast paced world!

Beth Shumbat
Cave Creek, AZ

"What I really liked is that he (Tim) gave me information I needed and didn't try to push me into buying what I didn't need."

I found the experience with your company very user/client friendly.  My former employer recommended your company after he used it.  I checked it out and was taken by how quickly the information needed came up.  Your site doesn't make people jump through hoops to see information they need.  I was so impressed with how I could look over all companies and prices right away.

I used your teleconference which cleared up most of the questions I had.  When I contacted Tim Holt I have to say he was a very patient man.  I didn't ask him to stay with me but he offered to stay while I maneuvered through the site, which I ended up needing.  I can say without question I got the personal touch and I have an impression that is normal for him.  What I really liked is that he gave me information I needed and didn't try to push me into buying what I didn't need.  He kept my personal needs and budget in mind and helped me choose only what was needed; he didn't try to push higher priced policies, which is how you get clients to trust you.  I found your company to be honest and informational.

I have already recommended your company to several friends and they are all impressed.  A friend of mine is going to retire next year from teaching and was thrilled when he saw your company.  He couldn't believe all the choices and great prices, so I know he will be using your services.

On a personal note, I hope more people hear about your company as it has been a blessing to me.  Thank you for your service and may many others find your great service.  In these times this will help many people.

Ruthanne Bradley
Cincinnati, OH

"Dianne helped me with the initial narrowing down of the numerous choices with some good logical reasoning. The rest of the story is we have a new provider for our health insurance with better coverage at a lower cost."

My overall experience was great.  A friend of my wife's told her about your site and although I was a bit skeptical it turned out to be a good choice.  Dianne helped me with the initial narrowing down of the numerous choices with some good logical reasoning.  The rest of the story is we have a new provider for our health insurance with better coverage at a lower cost.

I will be giving your site to a couple friends that may be in need of a review of their health care plans. I also may look at your term life options for myself.

Terry Eschmeyer
Cincinnati, OH

"She (Diane) was (and has remained) very professional and I honestly had not expected to get such service from a company I found over the internet (as opposed to walking into an agency)."

I was pleasantly surprised by my experience with Ms. Dunning.  She was (and has remained) very professional and I honestly had not expected to get such service from a company I found over the internet (as opposed to walking into an agency).  She has been extremely helpful along the way in helping me decide what to do and to understand the process and all that is available.  When I've been confused, she has answered all my questions.  She is knowledgeable and professional and for that combo I give her an A+.

Ms. Dunning understood that we choose alternative health care treatments from those offered by allopathic physicians.  THAT understanding was huge to me because I knew she wasn't selling me something that was not a good 'fit' for us.

John & Barbara Manfrediz
Hereford, AZ

"Shopping for insurance was very easy, friendly and quick."

Shopping for insurance was very easy, friendly and quick. I've spoken/worked with Tim on deciding the best plan for me. He was very knowledgeable and supportive of my needs. 

I was recommended to HSA for America by a friend who is self-employed and you had the best rates with the best plan for me! Thanks.

Abbye Silverstein
Fort Collins, CO

"I chose HSA for America because your website was informative and the information sent was detailed and provided good explanations."

The experience with your company was good - I received the information I needed and when assistance was required it was provided.  I worked with Tim Holt by email and spoke with him on the phone.  He has been very responsive and provided speedy responses.  We are currently awaiting an appeal to remove pre-existing conditions based on previous coverage.

I chose HSA for America because your website was informative and the information sent was detailed and provided good explanations.  Above all, the promise that your customer does not just 'disappear' once a policy is sold, as with so many other companies.

Thanks and keep up the great service.

Sam Tuli
Allen, TX