Why Smart Seniors Choose The HMA® To Complement Their Medicare Plan

1) The HMA® Is A Better Value Than Medicare Supplemental Products

  • No underwriting or unexpected annual rate increases: HMA® monthly contribution rates are fixed

  • More Flexibility: The HMA® can be used for most 213(d) and MD medical expense. This includes everything covered by Medicare Supplemental plans including copays, coinsurance and deductibles as well as dental, vision and pharmacy expenses and elective procedures (with MD surgeons only) for dental, vision, plastic surgery and many others that Medicare plans will not cover

  • Find The HMA® Plan That Fits Your Budget: You choose the amount you want to contribute each month into the plan from one of our 11 different monthly contribution options that can fit into any family’s monthly finances

  • Real Healthcare Savings Because The Monthly Crediting Rate Of The HMA® Is Guaranteed: Your medical benefits account will grow on average $2 for every $1 that you contribute on a monthly basis into your account as the program progresses and will provide you with more healthcare purchasing power than ever before

  • Empower Yourself Not The Insurance Companies: WHY LEASE YOUR MEDICAL BENEFITS WHEN YOU CAN OWN THEM INSTEAD? Your unused HMA® medical benefits that you receive each month will carry over each year as your account builds until YOU decide how you wish to use them

  • Better Benefits And Flexibility Than The HSA: Unlike the Health Savings Account (HSA), the HMA® does not need to be paired with a high deductible health plan, has annual contribution options for individuals that are more than twice what the annual limits are for the HSA, will cover any MD elective procedure AND you can also continue to contribute towards your HMA® after age 65 if you are on a Medicare Advantage plan

2) The HMA® Is Your Ideal Dental And Vision Plan To Pair With Medicare

  • Overcome The Limitations With Medicare Dental And Vision Coverage: Dental care is not seen as medically necessary by Medicare. Standard Medicare generally does not cover dental, but Part A may help with certain dental service in the hospital. Vision care is also not seen as medically necessary. Standard Medicare does not cover eye exams, eyeglasses or other related vision services. Medicare Part B may cover some things for vision including preventive or diagnostic eye exams, including glaucoma tests, cataract surgery and prescription lenses or eyeglasses in certain situations. Meanwhile, the HMA® will cover all of your dental and vision needs at your dentist (DDS) and optometrist (OD)

  • Avoid Overpriced And Limited Dental And Vision Plans: While the HMA® continues to build benefits at an increasing rate each month, many dental and vision plans contain very limited benefits in general or for certain important dental and vision procedures HMA® monthly contributions are fixed at the level of the client’s choosing while many dental and vision plans are overpriced to begin with for the benefits offered and have the potential to increase in cost each year based on what the insurance company decides

  • Earn Access To Any Elective Procedure You Need: Most dental and vision plans will not cover elective surgeries like veneers and lasik while the HMA® covers ALL MD, dentist (DDS) and optometrist (OD) elective procedures

3) The HMA® Benefits Are Easier To Use Than Any Other Alternative

  • Avoid The Insurance Claim Filing Headaches: The HMA® allows you to steer clear of the hassle of the claim filing process that can take months to settle

  • Instant Payments: Take matters into your own hands with your own HMA® Medical Reimbursement Visa® Prepaid Card and resolve your payment immediately on the spot by swiping your HMA® card at your service provider


a REAL SOLUTION using HEALTH PILOT and HMA

SOCIAL SECURITY - MEDICARE - HEALTH PILOT - HMA

What is an HMA? - IRS Rule 213(d) medical expenses - Governs Qualified Use

The Health Matching Account (HMA®) is a non-qualified, medical benefit savings account that pays for most out-of-pocket, medical expenses that your health insurance and Medicare does not cover. You can access your HMA® account benefits at your medical providers by swiping your HMA® Medical Reimbursement Visa® Prepaid Card to pay for most out-of-pocket, medical expenses.

Any purchases at grocery store pharmacies or for other qualifying HMA® medical services can also be covered on a mail-in reimbursement basis by completing the HMA® Reimbursement Form located in the Resources section of your HMA® member account portal and submitting an original, itemized receipt within 30 days of the procedure. In addition, HMA® accounts are also eligible to be used to pay for elective procedures (with MD surgeons only) such as plastic surgery, lasik, dental and fertility procedures. These medical expenses can also be covered if need be on a mail-in reimbursement basis when you submit an original, itemized receipt within 30 days of the procedure.

The medical services listed below can be paid for by swiping your HMA® Medical Reimbursement Visa® Prepaid Card at the point-of-service and covers a vast majority of qualifying, 213 (d) medical expenses.

HMA® List Of Covered Services

  • Elective Procedures (Lasik, Plastic Surgery, etc. With MD Surgeons Only)

  • Monthly Payments For Direct Primary Care And Concierge Medical Services (Mail-in Reimbursement Only)

  • Chiropractors (Limited To Two Services Per Month Per Account)

  • Ambulance Services (Ground Only)

  • Laboratory/Medical/Dental/Ophthalmic Hospital Equipment And Supplies

  • Dentists, Orthodontists

  • Osteopathic Physicians

  • Optometrists, Ophthalmologists

  • Opticians, Optical Goods And Eyeglasses

  • Chiropodists, Podiatrists

  • Hospitals

  • Medical And Dental Laboratories

  • Drug Stores, Pharmacies (No Sundries/Mail-in Reimbursement Only On Grocery Store Pharmacy Purchases)

  • Hearing Aid – Sales, Service, Supply Stores

  • Orthopedic Goods – Prosthetic Devices

  • Counseling Service – Performed By PsyD Or PhD


Why Is The HMA® The Perfect Complement To Any Medicare Plan and a better Value?

1) Why Is The HMA® The Perfect Complement To Any Medicare Plan?


• Unlike other Medicare Supplemental competitors, the HMA® can be used for ANY medical expense

• This includes elective procedures (with MD surgeons only) such as lasik, plastic surgery and dental procedures

• Monthly rates do not increase and the growth rate of your HMA® account is guaranteed


2) The HMA® Is A Better Value


• Find The HMA® Plan That Fits Your Budget: You choose the amount you want to contribute each month into the plan from one of our 11 different monthly contribution options that can fit into any family's monthly finances

• Your account will grow on average $2 for every $1 that you contribute into your account to pay for all of your out-of-pocket, medical expenses including copays, coinsurance, deductibles, doctor visits, pharmacy costs and any other medical expense that you can think of including elective procedures

• Empower Yourself Not The Insurance Companies: Your unused HMA® medical benefits that you receive each month will carry over each year as your account builds until YOU decide how you wish to use them. WHY LEASE YOUR MEDICAL BENEFITS WHEN YOU CAN OWN THEM INSTEAD?


3) Avoid The Headaches: The HMA® Is Easier To Use Than Any Other Alternative


• Steer clear of the hassle of the claim filing process that can take months to settle

• Take matters into your own hands with your own HMA® Medical Claims Visa® Prepaid Card and resolve your payment immediately on the spot by swiping your HMA® card at your service provider



Why Smart Seniors Choose The HMA® Over Other Medicare Supplemental Products

The Health Matching Account (HMA®) is a medical savings account that feels similar to a Health Savings Account (HSA) in that you can access its benefits on a debit card, but the similarities end there. Unlike an HSA, though, the growth of your HMA® is guaranteed and substantial. HMA® owners have access to an average of $2 or more in medical benefits for every $1 that they contribute into the program on a monthly basis as the program progresses, and you can also continue to contribute into it after you reach Age 65e Health Matching Account (HMA®) is a medical savings account that feels similar to a Health Savings Account (HSA) in that you can access its benefits on a debit card, but the similarities end there. Unlike an HSA, though, the growth of your HMA® is guaranteed and substantial. HMA® owners have access to an average of $2 or more in medical benefits for every $1 that they contribute into the program on a monthly basis as the program progresses, and you can also continue to contribute into it after you reach Age 65

MD LIVE - Telemedicine is NCLUDED with the HMA

NOW you can have Virtual Care, Anywhere. FREE with your HMA

24/7/365 Access to Board Certified Doctors and Therapists.

Behavioral Health counseling may not be offered

with all health care coverage plans.

Why Use MDLIVE?

  • MDLIVE is an inexpensive alternative to the emergency room or urgent care center

  • MDLIVE Providers are available after hours, nights, weekends and even holidays

  • Your primary care physician is not always available or booked for weeks

  • Prescriptions are faster and more convenient (when appropriate)*

  • Getting medical care during business trips and vacations is easier and less stressful



HMA FAQ and WHAT IS NOT COVERED

1 | Who is Health Matching Account Services?

Health Matching Account Services, Inc. (HMAS®) is based in Houston, Texas and is the exclusive provider of Health Matching Account products consisting of the HMRA® program for employers and the HMA® Medical Benefits Account for individuals and families. Both the HMA® and HMRA® programs are medical savings account and reimbursement programs that award increasing, monthly, medical benefits to assist both employers and employees in bringing down their first-dollar, out-of-pocket, medical costs. HMAS® is a privately-managed, financial services company and first-dollar, medical cost-containment company that is committed to bringing down the cost of health care in the group and individual markets.

HMAS® is expanding its reach and forming partnerships with some of the largest brokers, benefit agencies and administrators all across the country in the ERISA market to promote its revolutionary, Health Matching Reimbursement Account HMRA® program for employers and the HMA® Medical Benefits Account for individuals and families. The directors and founders bring over a century of experience in the life and health services industry. The founders are former owners of one of the largest independent companies in the southwest United States.

2 | How does HMAS® award the HMA® account crediting and how are the medical benefits protected?

This medical savings account product was designed for implementation by one of the most renowned life and health services actuarial firms in the world today. Health Matching Accounts utilize in-depth pooling and claims frequency analysis to determine the rate of growth on contributions that can be awarded monthly into member account balances. The Health Matching Account Services claims exposure is capped at each participant’s account balance, and these balances can be used to pay for most qualified, 213 (d) and approved, elective medical expenses up to the HMA® account balance at the time of the claim. HMA® accounts can be used to pay for medical expenses and contain no cash value. In addition, the HMA® Medical Reimbursement Visa® Prepaid Card is issued pursuant to a license from Visa® USA Inc.

3 | Does the HMA® program require participants to purchase a high deductible health insurance plan?

No. Unlike a traditional Health Savings Account (HSA), the HMA® is not required to be complemented by a high deductible health plan (HDHP). In fact, the benefits that build in an individual and family’s HMA® account balance can provide the vehicle to help allow individuals and families the ability to ease their way into high deductible health plans in order to lower their fixed, monthly premium costs. This is due to the fact that the HMA® Medical Benefits Account will be covering a larger portion of the owner’s out-of-pocket, medical expenses. Although the individual or family may choose to have a HDHP, it is not required.

4 | What happens when the HMA® account balance reaches its target account balance cap?

Once the HMA® individual or family plan account balance reaches its predetermined, account balance cap, the participant is no longer required to make their full, monthly HMA® contributions and only maintenance fees are required until a reimbursement is made that uses the HMA® Medical Benefits Account as payment. The owner will once again make a HMA® account balance contribution the subsequent month following any usage of the HMA® Medical Reimbursement Card to pay for medical expenses.

5 | What if HMA® owners want to change their contribution amount or paid-up target account balance?

HMA® contribution levels are designed to be flexible in order to accommodate anyone seeking to build their own medical savings account and significantly reduce their health care expense obligations by pre-funding their out-of-pocket, health care costs through the HMA® Medical Benefits Account. Health Matching Account Services offers a variety of different levels of HMA® contribution programs with corresponding target account balance caps ranging from $2,500 all the way up to $60,000 per participant or family.

The HMA® program provides participants with the ability to adjust both their monthly contribution amounts and target caps in order to scale up their HMA® benefits as they see fit. This means that If the HMA® participant wishes to increase their monthly contribution level and its corresponding, target account balance cap, they will be permitted to do so one time per month.

6 | If the Employer is contributing to an employee’s HMA® account, is the HMA® owned by the employee?

Yes, and the HMA® would be portable in this situation as well as if the individual employee was sponsoring it on their own.

7 | How do I access my HMA® benefits to pay for medical expenses?

Each HMA® owner, whether it be a family or individual, will always be provided with their own personalized HMA® Medical Reimbursement Visa® Prepaid Card, which can be used and swiped at the point of service to pay for qualifying medical expenses including MD elective procedures. For any other HMA® qualifying medical expenses that cannot be processed by swiping the HMA® Medical Reimbursement Visa® Prepaid Card, these expenses will be covered on a mail-in reimbursement basis when an original, itemized receipt is submitted within 30 days of the procedure.

8 | What medical expenses can be covered with my HMA® Medical Reimbursement Visa® Prepaid Card?

The HMA® Medical Reimbursement Visa® Prepaid Card covers most 213 (d) medical expenses by swiping your card at the point-of-service. These expenses include pharmacy and drug store purchases as well as doctor and hospital visits, dental, vision and chiropractic (subject to limitations) among others. In addition, your HMA® account can also be used to pay for elective procedures (with MD surgeons only) such as plastic surgery, lasik and fertility procedures.

9 | What services are not eligible to be paid for or reimbursed with the HMA®?

  • Drugs, Alcohol Or Any Rehabilitation Facilities

  • Over The Counter Medicine Including Non-Rx Prescriptions

  • Non-prescription Purchases At Pharmacies

  • Payments To Medical Collection Agencies And Any Provider Asking For Payments Past 30 Days Of The Date Of Service Or 90 Days For A Hospital Service

  • Health Care Financial Consultants

  • Massage Therapy

  • Acupuncture

  • Naturopathic Medicine

  • Supplements

  • Elective Procedures Not Performed By An MD

  • Annual Memberships For Dental Expenses Or Primary Care

  • Annual, Semi-annual Or Quarterly Membership Fee Payments For Direct Primary Care Or Concierge Medical Services

  • Cosmetic Or Other Elective Procedures Not Performed By Medical Doctors (MD), Doctor Of Osteopathy (DO), Doctors Of Psychology, Dentist (DDS Or DMD), Optometrists (OD), Podiatrists (DPM)

  • The HMA® Will Not Cover And Reimburse Any Payment Plans Set Up For Any Outstanding Past, Present Or Future MD, Dental Or Hospital Bills


HMA Health Matching Account

Select Your HMA® Product: Each product option represents the target account balance cap that you will be building your account balance up to ranging from $2,500 to $60,000. For example, if you select the HMA® 10000 product, you can contribute as little as $140 per month or $4,900 over 35 months and accumulate a $10,000 HMA® account balance to pay for all of your out-of-pocket, medical expenses by swiping your HMA® Medical Claims Visa® Prepaid Card at the point of service.

Flexible Payment Arrangements: Product options can fit any individual or family budget with the ability to scale up or scale down your monthly contribution amount and target account balance cap as needed on a monthly basis by contacting our customer service department.



HOW to USE HEALTH PILOT to find the right Medicare Advantage plan each year

Choose the RIGHT HMA PLAN TO COVER the MAX OUT OF POCKET for you and Your Spouse

ACCESS your FULLY FUNDED HMA account with your HMA VISA DEBIT card

to pay everything not covered by Your MEDICARE Advantage PLAN, including deductibles and CO-PAYs

We provide complimentary access to this incredible tool so that you find the right choice for MAXIMUM savings

The Artificial Intelligence will analyze your usage with the plan changes each year to find the right choice with maximum savings.

  1. Simply ASK for your complimentary LINK, then click on the referral link that will be emailed to you.

  2. Enter you basic Medicare information and Medications

  3. It will search ALL solutions in you county and show you the top two to compare

  4. Discuss with me our local Agent, or better yet click and apply right in Health Pilot.

  5. NO one will call and solicit you . However you can call them for help anytime

  6. I get a small referral fee and it allows me as you trusted Advisor to monitor it and make sure you are on course