The Health Matching Account Services (HMA) covers not only necessary medical expenses but also elective procedures that you may want. At HMSA, we are committed to providing you access to an average of $2 or more in medical benefits for every $1 that you contribute to the health matching account each month as the program progresses. Unlike the Health Savings Account (HSA), you can continue using your HMA after you reach 65.

In addition to helping you pay for the majority of your out-of-pocket expenses that are not covered by your health insurance or Medicare. This Health Matching Account provides you with more freedom and purchasing power than any other medical savings plan available. The HMA is a medical savings program that guarantees substantial growth of your available medical benefits.

With the HMA, you have the freedom to opt for any medical services, including experimental and elective procedures. These procedures include LASIK, plastic surgery, and many others performed by licensed medical doctors, that you may not have been able to afford otherwise.

The Health Matching Account can provide you with the safety net you need to save money on the majority of your out-of-pocket medical expenses that your insurance or Medicare will not pay for. In addition, the HMA can also allow you to increase your medical deductible over time as your HMA accumulates. The benefits of this program increase every month, providing you with a comprehensive and reliable medical savings solution.

1. Superior Monthly Medical Benefit Matching and Health Care Saving

The HMA® program is designed to assist you in saving money on various out-of-pocket expenses that your health insurance or Medicare plan does not cover, such as doctor visits, prescription medications, dental care, vision care, and more. With the help of HMA®, you can enhance your healthcare purchasing power, making it easier for you to access the care you need.

 2. Guaranteed Growth Of Your Medical Benefits

The monthly matching of medical benefits awarded into your HMA® plan above and beyond what you contribute is guaranteed to increase for you as you stay in the program as long as your plan is in good standing. Your HMA® will match your monthly contributions with an average of $2 in medical benefits for every $1 above and beyond what you contribute to your plan. This match will secure you significant medical savings along the way both before and after you reach your paid-up, target medical benefit cap.

3. Guaranteed Issue

You can easily enroll in the Health Matching Account plan of your choice in five minutes! Unlike health insurance, the HMA® requires no upfront underwriting and will also allow you to cover every member in your household under the age of 26.

4. Easy To Use

You can access your HMA® plan benefits to pay for your qualifying medical needs by presenting your HMA® Medical Benefits ID Card to your healthcare providers at the time of service. A digital version of the HMA® Medical Benefits ID Card will be available in each participant’s member portal. Your provider will then verify both the eligibility of the service and that you have a sufficient amount of medical benefits available in your HMA® plan to pay for this medical expense. No further action will need to be taken by the HMA® participant at their provider’s office.

5.  Now You Can Afford Elective Procedures

With the HMA®, you now gain the freedom to opt for other medical services that you may have always wanted or needed but could not afford before because of the ever-growing amount of medical benefits that you will secure in your plan each and every month. Your HMA® can be used for any elective procedure with a medical doctor including for dental, Lasik, and even plastic surgery.