Medical savings accounts are one of the best ways to put away money that you can use in a medical emergency. What you contribute to the account is based on your own efforts. You can see where your money goes. You control what you contribute within limits. Besides paying cash it is the most transparent way to pay for healthcare. One of the most popular Medical Savings Accounts is the Health Saving Account known as the HSA.

HSA

Health Savings Account

What are the benefits of an HSA?

 

  • Contributions are tax deductible

  • Tax free distributions when funds are withdrawn for qualified medical expenses

  • Can be used instead of a 401K for retirement savings

  • Funds are portable. You can take it with you even if you leave your job

  • Funds carry over from year to year and earn interest tax free

  • After age 65 you can use the funds for any reason without paying a penalty. You will still have to pay taxes on withdrawals.

This is a great HSA for individuals, families and small businesses​

Most people do not save in an HSA. In fact, most have no money saved for a medical emergency. This is how most people spend their healthcare dollars.

When we spend in this order are left asking these questions:

  • Why do my premiums keep rising even if I never use my insurance?

  • Why do I have to pay for services I’ll never use?

  • Why do I get denied for services when I’ve paid thousands of dollars into the system over time?

  • Where does all of the money that I pay into the system go?

  • Why do my deductibles and premiums keep going up? If my deductibles rise shouldn’t my premiums go down?

This is how we should spend our healthcare dollars

If you are interested in taking an active role in controlling your healthcare cost, ask yourself the following questions:

  • What if something existed where my payments stayed consistent if I use my plan but went down overtime when not used?

  • What if I use it to only pay for services that me and my family use?

  • What if I could get access to medical procedures that traditional insurance companies deny such as cosmetic services?

  • What if I could see where all my money goes?

  • What if my payments went down overtime by 70-80% and only rose based on my use not the use of other people? 

  • What if instead of giving all of your money away, overtime you received a 2 to 1 match for every dollar you pay into your account?

Good News! This type of Medical Savings Account exist for individuals and families and small businesses. It makes it possible for you to do all of this for yourself and your family. You can make it available to your employees on a voluntary basis. There is no transfer of risk as in traditional insurance. It is the most benevolent plan in the country. Where you put yourself first so you can support others in their endeavor to do the same. Curious? Request more information here.

Health insurance has a place in a healthcare financing plan. When insurance is put in first place when it comes to healthcare spending, we start treating illness and neglect the areas that help maintain our health. We also lose control of how much we spend on healthcare. The only healthcare situation where it may be hard to control the cost is an emergency. All other health issues can be planned for in advance.

It’s best to start your personal healthcare financing plan by spending more on the things that you plan to use the most to maintain your health.

 

Medical Savings Accounts ARE NOT INSURANCE

and are not a substitute for Major Medical Insurance

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SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY. WHILE EVERY EFFORT IS MADE
TO MEET MEMBER’S MEDICAL NEEDS, SEDERA, INC. AND THE SEDERA MEDICAL COST SHARING COMMUNITY DO
NOT GUARANTEE PAYMENT OF ANY MEDICAL EXPENSE.

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MIENTRAS CADA ESFUERZO SE HACE PARA CUMPLIR CON LAS NECESIDADES MEDICAS DEL MIEMBRO, SEDERA, INC.

Y LA COMUNIDAD DE COSTO MEDICO COMPARTIDO DE SEDERA NO GARANTIZA EL PAGO DE NINGUN GASTO MEDICO.

Sheron E Sidbury

Medical Cost Containment Specialist

Email: sheron@sesinsureme.com

Phone: (703) 568-0654

Address: 7676 Richmond Hwy # 6817, Alexandria, VA 22306

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