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Time, Save Money, and Get
Unbiased Expert Advice
from HSA
for America Throughout
our website you will find information about HSA contribution limits, eligible
expenses, investment options, insurance plans, and monthly premiums. Simply
follow the instructions on our "How to"
Guide page, and you'll find it is easy to compare plans and choose the
best plan for your needs. You can then apply securely online, or fax/mail
us your application. | There
are usually quite a few plans to choose from, and it can sometimes take some time
to compare all options to be sure you are making the best decision. Because we
know HSAs and HSA-qualified health plans so well, scheduling a telephone appointment
with one of our friendly Personal Advisors can save you time, save you money,
and give you the peace of mind knowing that you've made the best possible decision
for yourself and your family. Schedule
a Telephone Appointment!
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Where
to Get Your Information and Advice
If
you want to discuss your health insurance needs with someone, you have several
options. You could just put your name and contact information in a "Request
for Quote" website. They will sell your information, and in a matter
of hours you will have several insurance agents calling you, telling you why
their plan is the best one. Because the insurance business is easy to
get into, many of these salespeople may have been selling used cars or vacuum
cleaners last week. They may sell you a policy today, but when you call
them in 6 months about a claim issue, all you may find is a disconnected number.
Another
option is to open the yellow pages, and call your friendly neighborhood agent.
This person probably sells life insurance, auto insurance, home owner's insurance,
and a little health insurance on the side. They may only have one or
two plans to offer you, and they probably only have a cursory understanding
of HSAs. When your rates start going up in a year or two, all they can
do is shrug their shoulders and say "sorry". Your
BEST option, though, is speak with one of HSA for America’s
Personal Advisors. We will provide true expert analysis on numerous
available insurance plans in your area, and informed and unbiased advice on
the best options for you. You will also receive exceptional follow-up
service from your Personal Advisor for as long as you remain a customer.
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How
an HSA
for America consultation
saves you time and money
HSA
for America has been specializing in HSA
plans since they first became available in January 2004, and
we have enrolled thousands of families and individuals from
over 33 different states. We have been featured in the
LA Times, talked about on the Rush Limbaugh show, and are
recommended by CPAs and business advisors all over the country.
Yet
we are a very small company, dedicated to superior customer
service. We have personally helped more individuals
and families enroll in HSA plans than just about anyone.
We know HSAs, and we know the plans in detail. We know
which ones offer chiropractic coverage, which ones have the
best PPO networks, which ones tend to have the most stable
rates, and all other pertinent details. And we know
how to save our customers time and money. Here's how:
- Experience.
The insurance business is easy to get into. Thousands
of people every year move from used car sales or pest
control sales into health insurance sales, hoping it will
bring them the big bucks. And typically they're
off to something else a year later. Very few people
have years of experience, and focus their daily attention
on HSA-qualified health insurance. Here's why you
should care:
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You'll
understand what your getting, because we know
what we're offering. It is not at all
uncommon for an insurance agent to not fully understand
what he or she is selling you. This is what
happened to Jan and David Cleary, from Colorado
Springs, CO. They had purchased a plan from
a friend who had gotten into the health insurance
business, and thought it paid 100% after a $2,000
deductible. After David suffered a fairly
serious injury falling off a ladder, they learned
that no coverage was included for any outpatient
charges. His outpatient testing, medications,
and physical therapy cost him a total $14,343
out of his own pocket.
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You'll
get unbiased information about the plans that
will be best for you. While some agents
feel financial pressure to sell a plan that will
get them the quickest or most money, our business
model is based on keeping you as a happy and referring
customer for a long time.
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You
can reach your Personal Advisor directly when
you have questions.
Many insurance agents may be there to sell you
a policy, but can be very difficult to find when
you need help with a claim. But here you’ll
have a personal contact - someone on your side
who can explain how the claim is being paid and
help you appeal any unfavorable decisions. This
can save you thousands of dollars when a large
claim occurs.
Our
consultants have years of experience in the health
insurance business, and know how to save you money
and find the best plan for your needs. Because
our business is not based on selling you a policy,
but rather on gaining you as a lifetime customer,
we're able to offer unbiased information and advice
so that you end up with the best plan for you.
According to feedback we get, our customers are
saving an average of $1,814 the first year they have
coverage with us, and more as the years go by.
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Retired
Electrician saving $385/ month
over next-best option
Kenneth
Haeussler, a retired electrician from
New Bern, North Carolina, contacted
us about switching to an HSA plan.
When he called us he had a Blue Cross
Blue Shield of North Carolina plan,
with a $20 co-pay, but was paying over
$900 a month. Before calling us,
the best he had found was an HSA plan
with an $8,000 deductible for $735 a
month.
This
would have saved him about $2,000 in
premiums, and another $2,000 or so in
income taxes. Because of the large number
of plans we offer, we were able to find
him similar coverage for less than $350.
We also helped him find a bank that
offered a no-fee HSA, which he plans
to fully fund. His net cost after including
his tax savings to cover him and his
wife is less than $250.
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- Many
companies to choose from. If you've looked
at the instant quotes,
you've no doubt seen the large number of plans we offer,
with quite a wide price range. By going with a company
that offers many different insurance companies, you can
be sure of getting the best value now, and having options
to choose from if your rates go up and you need to change
plans.
Even
a look at just 100% plans will often provide a dizzying
number of choices, some dramatically more or less expensive
than others. Sometimes the least expensive plan is
your best choice - but not always. Some plans have
limitations on outpatient doctors and prescription drugs.
Others may not have your doctors in their network.
We'll help you sort through the confusion, so that you end
up with the best plan for you.
If you
buy from an agent who represents only one or two companies,
two negative consequences may occur: First, you may
end up with the wrong plan, paying too much money for something
that's not the best value available. Secondly, when
you get a rate increase and want to change companies, you'll
have to start shopping all over again.
By
having this many options, we can often save our clients
$100 per month or more over almost identical but more expensive
plans through other insurance companies.
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$100
maximum Out-of-pocket for Accidents
We
will also help you figure out the best way
to structure your plan. For example,
we were able to save Roger Baird of Austin,
TX an additional $86 per month, and reduce
his out-of-pocket for any accident to only
$100. We did this by raising his deductible
from $4,000 to $5,000, and adding a $5,000
accident rider. In helping you put together
a plan, our focus is on how we can provide
you the most coverage and best value for your
money.
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- Help
getting your policy issued without exclusions or rate-ups.
Insurance companies do everything they can to avoid risk.
If they see something in your medical history that raises
a red flag, they are likely to issue your policy with
an exclusion not covering that condition, or a "rate-up",
in which your premium is raised 25% to 100% or more.
Unfortunately,
there are times that nothing can be done about that.
But often times, the insurance company is willing to reconsider
these exclusions if they can be convinced that they are
not taking on additional risk. Because after the
sale, most insurance agents are on to the next sale, few
take the time or have the expertise needed to properly
appeal negative underwriting decisions. As a result
you could end up with a policy that permanently
excludes part of your body that is perfectly healthy,
or you could be forced to pay hundreds of dollars more
each year for your health insurance.
If
you have had some health issues in the past, your Personal
Advisor can help you honestly answer the questions on
your application in the way that will be most favorable
to you when it goes through the approval process.
When policies do come back with unexpected exclusions,
we are able to get the waivers removed from our clients’
policies about 50% of the times we appeal. When we get
a rate-up removed from a policy, we've been able to save
our clients an average of $78 per month.
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An
annual review of your needs.
You can count on health insurance rates going up every
year. If your agent is not doing a complete review
of available plans in your area on a regular basis, you
will end up paying too much for your health insurance.
But because the agent is still getting paid on the original
policy you purchased, most have very little incentive
to take the time and effort to do what's right for the
customer.
Every
year we offer to do our Annual Comprehensive Policy
Review, in which we review available plans and make
our recommendations about whether you should consider
switching to a different plan or insurance company.
We also keep you informed about changes in HSA contribution
limits, health insurance premiums, or other issues that
might affect your money or your health. There is
no fee for this service. This will save you thousands
of dollars over the coming years.
By
regularly reviewing their plans and switching them to
better options when they become available, we have a track
record of saving our clients an average of $528 each year
after their first year of coverage.
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Annual
Comprehensive Policy Review Saves CPA $2,710
Candace
De Long, a CPA from Fort Collins, CO, has
been a client of ours for just over a year,
paying $408.10 for a traditional co-payment
plan with Anthem Blue Cross Blue Shield.
During our Annual Comprehensive Policy
Review, Candace reported that she was
not utilizing her coverage, and would be better
served by a plan with a lower premium.
After
a comprehensive review of all the plans on
the market, we identified an HSA-qualified
plan, also offered by Blue Cross, for just
$240.30 per month, lowering Candace's premium
by 41%. After funding her account (at
a 28% tax bracket), Candace's net premium
was now just $181.97, a whopping 56% savings
over her previous premium.
Though
we would have been paid a higher commission
by switching her to a different company, it
was best in this case for Candace to stay
with her current company and simply switch
to an HSA plan. By looking out for our
customers’ best interests, we’re
able to help them save money and to keep them
as customers for life.
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By
establishing an HSA plan our clients typically save $3,000
or more each year on their health insurance premiums, and
up to $1,500 or more each year in income taxes. This
amounts to nearly $400 per month in savings. As a bonus,
if you stay healthy the tax-deferred growth of your account
could eventually amount to several hundred thousand dollars.
We're talking real money here, and you owe it to yourself
to deal with a true professional who is looking out for your
best interest. You can set up a time to speak with one
of our friendly advisors by calling our office at 866-749-2039,
or filling out our Consultation
Request form.
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Colorado
couple now saving $4,500 per year in premiums
and taxes
While
her husband's job provides him with excellent
coverage through a Cigna group plan, Rosemary
and Billy Wright of Parker, CO, like many
others, found it increasingly difficult each
year to keep up with the rising cost of their
group health insurance plan. While Billy's
company pays for his coverage, the cost of
keeping his family on the plan exceeded $600
per month, and was more than they could continue
to pay. After consulting with HSA
for America, Billy remained
on his company-provided plan, and switched
his wife and three children to an Anthem HSA
100% plan with a $2,500 deductible.
This lowered his premium to just $283.10 per
month, saving him over $317 every month.
He
is using part of that savings to fully fund
his HSA account with $2,500 each year, in
effect giving his family zero-deductible 100%
coverage, which is still costing him less
than his previous plan. The HSA contribution
is also saving him an additional $700 from
his income taxes each year.
So
his total savings are $3,804 per year in premiums,
and $700 per year in taxes, amounting to an
additional $4,500 in his pocket each year.
Now if any family members do have medical
bills, the Wright's can simply pay those bills
with dollars set aside in their HSA, money
on which they paid no income taxes.
Since the Wrights say they never spend that
much on medical cost during most years, any
money left in the account will remain theirs,
building for their retirement instead of winding
up in the bank account of another insurance
company.
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Schedule
a Telephone Appointment!
The
HSA for America Health
Insurance Consultation During
this phone consultation your Personal Advisor will take you through a process
which will identify the best insurance company and plan for your needs.
We'll help you narrow down your choices, review the pros and cons of the various
options available, and provide our professional recommendation. We'll then
assist you in getting enrolled in the plan of your choice. Specifically,
all consultations include the following:
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- Discover
which plans offer the best value based on your age,
zip code, and health status
- Choose
which insurance company to go with, which
plan, and which deductible
- Learn
how much your income taxes will go down, and how
much your HSA could be worth when you retire.
- Get
confirmation that your doctors are in the PPO network
of the insurance plan you choose
- Determine
whether or not to include a supplemental accident
plan with your coverage
- Choose
a bank to use for your HSA
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You’ll
then submit your application, either online or by faxing or
mailing us a paper application. When you are finished
with your meeting, you will have a clear understanding of
the plan you are getting, and why it is your best choice.
The process will be easy, hassle-free, and you will never
have to shop for health insurance again. To request
a consultation, you may call our office at 866-749-2039 ,
or fill out our Consultation Request
form.
We
will then keep you informed as your application goes through
the approval process, and we will let you know as soon as
you’ve been approved, and answer any questions once you receive
your policy. And of course, you’ll benefit from our
Annual Comprehensive Policy Review year after year.
Why
Trust Your Health Insurance to Anyone Else?
Picking
the right health insurance plan can be a big financial decision.
You want to deal with someone who can help you can help you
assess your needs and choose the plan that makes the most
sense for you, who can clearly explain what you're getting,
and can make the process easy and hassle-free without sales
pressure or obligation. You also need to have a real
person who is concerned about your account, and available
to answer questions and keep you informed, both before and
after you apply for coverage.
We
are not interested in "selling" you a policy.
Our objective is to help you make the right decision for your
needs, and to earn a customer for life. These comments
are typical of what we receive:
"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
Read
More..
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"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. Hoyt 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
Read
More..
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Get
The Information You Need To Make An Informed Decision
Most
financial advisors charge $1,000 or more each year
in fees and commissions to help their clients avoid taxes
and build their retirement accounts. Yet very few have
a complete understanding of one of the most valuable financial
planning tools available - a health savings account.
In fact, because they don't get paid to manage these "self-managed"
accounts, most advisors don't even deal with health savings
accounts.
When
you schedule an appointment with HSA
for America, you get to speak to true experts
on HSAs. You will have all your questions answered by
your friendly Personal Advisor, you will have confidence in
the decision you make, and you will have a plan for how you
will invest in and use your HSA. A meeting with us will
save you time and money.
The
retail value of this consultation is $195. Most of our
customers save at least five times that by getting
their coverage with us. However, because of differing
regulations in every state we do business in, we have chosen
to offer our consultation service for free. A
consultation includes any follow-up conversations that are
necessary in order to get your coverage issued as quickly
as possible, and in the most favorable way to you. You
also have direct access to your Personal Advisor for the lifetime
of your policy.
Yes,
there is a catch. We are a very small firm, and place
a priority on making sure our customers are well-informed
and taken care of. This takes a lot of time, yet also
creates a high demand for our services. We only have
a very limited number of personal consultation times
available each week, so we are often booked a week (or more)
in advance. Because we have a high number of consultation
requests each week, we must limit our meetings to only those
people we feel we can help. If health conditions exist
which will prevent us from offering coverage, we will regretfully
have to cancel the appointment.
We
have two additional requests for anyone who requests an appointment:
- Before
the appointment, please review your instant
quotes so you have a feel for what plans are available
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If you have any general questions about HSAs, please review
our HSA Information
page and our Q and A page,
where you will find answers to most questions. We
also highly recommend that you request a copy of our free
report, The
Complete Consumer’s Guide to HSAs.
This will allow us to make the most of our time together.
There
are no other obligations on your part. However, because we have so few
time slots available, please call only if you are serious and ready to
make a decision. If you are just in the “shopping” mode and
have some questions, please email us instead and we will be happy to help. Request
A Consultation Now To
request a consultation, fill out our online Consultation
Request form or call our office at 866-749-2039. When you call to
schedule an appointment, the receptionist will ask you a series of questions to
qualify the appointment. Once we receive this information, we will review
it and send an email confirming the appointment. Because we have a high
number of consultation requests each week, we must limit our meetings to only
those people we feel we can help. If health conditions exist which will
prevent us from offering coverage, we will regretfully have to cancel the appointment. Please
note: We do NOT do business in the following states: MA, ME, NH, NJ,
NY, RI, and VT.
You will
learn how an HSA would work for you, how much money you would save on premiums
and taxes, and the potential future value of your HSA account when you reach retirement.
We will run quotes to look at the plans available in your area, and let you know
the pros and cons of the plans that look best. You’ll then be able
to make a confident decision about which plan would work best for you. We
will call you promptly at the scheduled time, at the phone number you provide. Appointment
Preparation Before
the appointment, please review your instant quotes
so you have a feel for what plans are available. If you have any general
questions about HSAs, please review our HSA Information
page and our Q and A page, where you will find answers
to most questions. We will call you promptly at the scheduled time, at the
phone number you provide. Our
No-Risk, 100% Satisfaction, Money-Back Guarantee Doing
business with HSA for America will
save you time, money, and frustration. You will know that you are making
a well-informed decision, and you will have access to expert advice any time you
need it. In fact, we are so confident you will be pleased with our service,
that I want to make the process totally risk-free to you. If you purchase
a health insurance plan through HSA for America
and are not totally thrilled with the service you receive from us or the coverage
that you get, you can cancel your plan within 10 days of receiving it and get
a 100% refund. Call
866-749-2039
now to request your telephone appointment Sincerely,
Wiley Long
President
HSA
for America
P.S.
- Nearly half our customers apply online without ever speaking to us. Rest assured
that if you do that, you will still receive the same level of exceptional service! | |
