Simply give us a call anytime (24/7/365) at 844-234-4472, and a Personal Health Assistant will be happy to let you know whether your procedure is covered. If your procedure is SmartPay eligible, we may be able to significantly lower your out-of-pocket costs.

Under any health plan, members pay 100% of costs before the deductible is met. After the deductible is met, insurance will pay a portion of your eligible medical claims (also known as the coinsurance phase). If your claim wasn’t covered, it usually means you either 1. Haven’t met your deductible yet, or 2. Your claim wasn’t an eligible medical expense. Regardless, if you have concerns or questions about coverage, please call us. Though high deductibles may feel heavy on your wallet at first, they truly do save healthcare dollars in the long run. And don’t forget, you can pay your deductible with tax-free withdrawals from your HSA.

Yes! Our Personal Health Assistants look forward to helping you find the best care at the best price. If you need help finding a provider, simply call us anytime or utilize the Search Tool available in your member portal.

Activating your HSA card is simple. If you’ve noticed a pattern by now, it’s CALL US. We welcome your calls! Our Personal Health Assistants are happy to walk you through activating your HSA debit card.

Call a Personal Health Assistant before any procedure to see if it qualifies for SmartPay. Common eligible procedures are listed on our SmartPay web page. PHAs are happy to help you get your procedure scheduled.

If you are taking a medication that costs $200 or more a month, including insulin, we can help you lower or eliminate your out-of-pocket costs. Call our prescription assistance team at 385-247-1030 to see how much you may be able to save.