Howard Insurance Agency, Inc.

Health Savings Account Plans

INDIVIDUAL DEDUCTIBLES: $5,000    FAMILY DEDUCTIBLES: $10,000

With the high cost of medical care, Insurance Companies must increase their rates. It is time to get back to basics and handle the medical bills by opening a Health Savings Account with a qualifying medical plan. Win Win Situation SINGLE :                $5000.00 deductable                    100% after deductable is met                    $30 Dr. Co-Pay for wellness visit                      $30 Dr. Co-Pay for mammagram                    All bills (inpatient - outpatient) applies to your annual deductable.                    The Dollars you put into the Health Savings Account are pre-taxed dollars to use tax free for medical expenses, including Long-Term Care or Dental premiums. This allows you to control costs and still have dollars to pay for the deductables should you have a catastrophioc loss.  Never lose the dollars in the account. After age 59 1/2 you can take it out as an income stream, paying taxes as withdrawls are made, unless it comes out as a medical expense. Plus you can leave it to your heirs. CLIENTS:                 SAVE UP TO 50% ON MEDICAL PREMIUMS                     Fund medical expenses with Tax-Free dollars                     Pay for medical expenses not covered under the health                        insurance plan                     Build up savings for future medical expenses                     Earn interest on HSA Account Balances                     Reduce overall annual taxable income                         (pre-tax dollars go into the Health Savings Account) Don't you think it is time to be in charge of your Health Care costs?  If you need to have a Doctor Co-pay and a zero deductible for prescription drugs, We have a very competitive policy for you and your family. You can add an Accident Benefit to the Major Medical or any plan that will pay first dollar before the deductible for emergency room services. We also have the most competitive rates for Medicare Supplements in the State. We sell True Blue, Mutual of Omaha, Blue Cross, Blue Shield Select and look for plans that fit your lifestyle.   Call April @ 208-345-4171 today or submit our quote form to receive a complete schedule and information.