• Health Savings Account is a Medical IRA/Savings Account with Pre-Tax Advantages!
• First-Dollar Wellness Benefits - yearly mammograms, pap smear, psa tests and routine exams.
• Tax Deductible Contributions up to $5,650 per year, indexed for inflation.
• Tax-Free Withdrawals to pay for non-reimbursed medical expenses.
• Pay for health care not covered by insurance, including deductibles, co-payments, and many other out-of-pocket expenses not typically covered by your health insurance plan.
• USE IT or Keep It - unused funds rollover for future use.
• Unused Funds - Accumulate for Retirement.

With the ever escalating costs of Medical coverage increasing yearly by 25%, your HSA Program will permit you and/or your employee's access to the finest of health care providers through our exceptional PPO Programs, while slashing your monthly costs by nearly 50% and allowing you to allocate your savings to a 100% "Tax Deductible Medical IRA/Savings Account". You may then withdraw these funds "Tax-Free" to reimburse yourself for your out-of-pocket medical costs, including those items that may not customarily be covered, such as dental, orthodontia and optical expenses, to name a few. If you should be fortunate enough to remain healthy, the monies that you have deposited, that would have otherwise been spent in premium to the insurance companies for "Well Care", will be yours to keep and spend as an "Additional Retirement Plan"!

Publication 502, Medical and Dental Expenses (Including the Health Coverage Tax Credit)
http://www.irs.gov/publications/p502/index.html

Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans
http://www.irs.gov/publications/p969/index.html