Dear Valued HMA® Broker,
As part of our ongoing commitment to provide you and our members with the best possible customer service and make our program better and easier, we have made some important and beneficial enhancements to the HMA® medical claims payment payment process that will greatly benefit you and our members. We here at Health Matching Account Services, Inc. (HMAS®) are excited to now take the HMA® program to the next level because of your success and our success in building our company over the last 7 years, having tens of thousands of customers to date all across the country.
These new enhancements to the HMA® program include:
1. Moving Away From Debit Cards: On October 12, 2023, HMAS® introduced our HMA® Medical Benefits ID Card to replace the debit cards. Our members received a physical card in the mail with a letter describing how to use the HMA® Medical Benefits ID Card, as well as a digital card that will be available on their online HMA® Member Portal.
2. How To Use The HMA® Medical Benefits ID Card: Similar to providing your health insurance card to your medical providers, in order for our members to access their HMA® Medical Benefits ID Card to their medical providers at the time of service.
The medical providers will then use the Eligibility information on the back of the HMA® Medical Benefits ID card to call ClaimChoice at 844-713-2544 in order to verify the available HMA® medical benefits. Please note, the list of covered services has not changed, just the way HMAS® pays claims has changed. HMAS® will work directly with providers to pay for eligible medical claims, and the billed amount will be deducted from the HMA® medical benefit balance. When the medical provider verifies eligibility, the member will not have to pay out of pocket unless they do not have enough available HMA® medical benefits to cover the full amount or it is a non-eligible service under the HMA® Member Contract.
Example 1: A member incurs a $500 medical bill and has a $1000 available HMA® medical benefit balance. The member will present their new HMA® Medical Benefits ID Card to the provider, and the provider will call to verify eligibility. Once the service has been performed, there will be no out of pocket charge to the member and HMAS® will pay the provider the $500 to settle the bill, and the member’s available HMA® medical benefit balance will be reduced to $500.
Example 2: A member incurs a $500 medical bill and has a $200 available HMA® medical benefit balance. The member will present their new HMA® Medical Benefits ID Card to the provider, and the provider will call to verify eligibility. The provider will charge the member the $300 not covered by the HMA® medical benefit balance, and HMAS® will pay the provider the $200 that is available from the HMA® medical benefit balance, reducing the available benefits to $0.
3. No More Claim Reimbursements, Debit Card Declined Transactions And White Listing: The old HMA® debit card worked a vast majority of the time when it was swiped, but for certain transactions that were not eligible or coded correctly, HMA® customers would experience declined transactions. This would necessitate and result in either the customer having to submit the claim online through their member portals for reimbursement after they paid for the claim or the customer calling in to our office for us to potentially white list those providers if it was indeed a qualified medical expense that may have been poorly coded in the payment system of the provider causing the debit card to therefore be declined. Those days are now over thanks to the HMA® Medical Benefits ID Card.
4. The New HMA® Medical Benefits ID Card Can Be Used At All Types Of Pharmacies: The old HMA® debit card could be used at standalone pharmacies, but not if they were located in grocery stores or online pharmacies. With the new HMA® Medical Benefits ID Card, our members will be able to go to over 60,000 pharmacies across the country, including most Walmart’s, Sam’s, Costco and other grocery store pharmacies. They will present their HMA® Medical Benefits ID Card at the counter of the pharmacy, and the pharmacy will use the Rx BIN# and customer care phone number on the back of the card to verify the amount of eligible HMA® medical benefits they have to complete the transaction on the spot.
If your clients have not yet received the physical HMA® Medical Benefits ID Card and they have a medical appointment, they can access their digital HMA® Medical Benefits ID Card in their online member portal to present to their providers.
To recap, these new enhancements will provide significant advantages to our HMA® members when receiving medical services. They will no longer have issues with declined debit card transactions or paying out of pocket and submitting claim reimbursements. There will soon be a short video available on the broker portal and member portal introducing you and our members to the new HMA® Medical Benefits ID Card.
We value your continued trust and partnership. Our objective is to always serve you and our members. We know these changes are the best way to ensure that our HMA® customers receive the most benefit and best experience with our program. Thank you for choosing Health Matching Account Services. We look forward to continuing our meaningful association with you as we work together to transform our industry and change the way people think about paying for their medical needs by empowering our members and significantly lowering the cost of health care all across the country.
Sincerely,
Health Matching Account Services, Inc.
