Hsa-based health Plans

Key aspects of HSA-based health insurance.

Two part healthcare.

The most important thing to understand about HSA-based health plans is that they have two parts: health insurance, and a health savings account (HSA).

Protection.

The insurance component of an HSA-based health plan protects individuals from high, unexpected medical costs, and covers preventive care at 100%.

Protection.

The insurance component of an HSA-based health plan protects individuals from high, unexpected medical costs, and covers preventive care at 100%.

HSA access.

Money, including premium savings, can be deposited tax-free into an HSA to pay for current or future qualified medical, dental, or vision expenses for you and your dependents.

Advantages.

Lower monthly premiums, tax advantages, covered preventive services, and coverage for routine and major medical expenses are the main advantages of an HSA-based health plan.

Advantages.

Lower monthly premiums, tax advantages, covered preventive services, and coverage for routine and major medical expenses are the main advantages of an HSA-based health plan.

Power to grow.

Consider this… if your previous plan had a $500 deductible with co-pays and you moved to a $1,500 deductible plan and saved $100 a month, the $100 saving could be put into an HSA… that is $1,200 a year that is now your money.

If you had $700 of medical expenses you would “roll over” $500 in your HSA into the next year. If the same scenario happened the following year you would roll over another $500 for a total HSA balance of $1,000. If this scenario played out year over year by year 3 you would have the money in your HSA to cover your deductible. This could never happen in a co-pay plan because no matter how much you spend, you never roll any money over.

​Copyright © 2020 MotivHealth Insurance Company. All Rights Reserved | Privacy Policy

​Copyright © 2020 MotivHealth Insurance Company.
All Rights Reserved | Privacy Policy

Steps Program Basics


Why Participate: So, you and your covered spouse can earn $1 for each day you walk 8,000 or more steps up to 20 days a month. All incentives earned this way are deposited into your HSA.

How to Participate: Create your MotivHealth member account. Sync an eligible device (Garmin, Fitbit, or Apple) and walk your way to $1 a day.

Who’s Eligible: You, the policy holder and a covered spouse.

Rx Program Basics


Why Participate: Spending $200 or more on prescriptions each month? We can help you eliminate or significantly lower your out-of-pocket costs.

How to Participate: Simply call one of our Prescription Benefit Analysts:
(385) 247-1030

Who’s Eligible: You, the policyholder and your covered dependents.

Prompt Pay Program Basics


Why Participate: Save between $250-$3,000 on out-of-pocket costs on planned medical procedures.

How to Participate: Simply call us before your scheduling your procedure, and we'll help you find a participating Prompt Pay facility / provider.

Who's Eligible: You, the policyholder and your covered dependents.

Price Transparency Tool Basics


Why Participate: Lower your out-of-pocket costs by empowering yourself to take charge of your healthcare.

How to Participate: Our Price Transparency Tool is accessed via your member portal. Simply create your account and click "Find Care."

Who's Eligible: You, the policyholder and your covered dependents with member accounts can access this tool.

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