Why Smart Seniors Choose The HMA® To Complement Their Medicare Plan

1) The HMA® Is Better Than Medicare Supplemental Products

  • No Underwriting Or Unexpected Annual Rate Increases: HMA® monthly contribution rates are fixed
  • More Flexibility: The HMA® can be used for most 213(d) and MD medical expenses. This includes copays, coinsurance and deductibles as well as dental, vision, pharmacy expenses and elective procedures (with MD surgeons only for dental, vision, plastic surgery and many others) that Medicare and Medicare supplemental plans will not cover
  • Find The HMA® Product That Fits Your Budget: You choose the amount you want to contribute each month into the program from one of our 11 different monthly contribution options that can fit into any family’s monthly finances
  • Real Healthcare Savings Because The Monthly Medical Benefit Match Of The HMA®  Is Guaranteed: Your medical savings program will grow an average of $2 in medical benefits for every $1 that you contribute on a monthly basis into your program as the program progresses and will provide you with more healthcare purchasing power than ever before
  • Empower Yourself Not The Insurance Companies: WHY LEASE YOUR MEDICAL BENEFITS WHEN YOU CAN OWN THEM INSTEAD? Your unused HMA® medical benefits that you receive each month will carry over each year as your program benefits continue to build until YOU decide how you wish to use them
  • Better Benefits And Flexibility Than The HSA: Unlike the Health Savings Account (HSA), the HMA® does not need to be paired with a high deductible health plan, has annual contribution options for individuals that are more than twice what the annual limits are for the HSA, will cover any MD elective procedure AND you can also continue to contribute towards your HMA® after age 65 if you are on a Medicare Advantage plan
  • Easy Provider Payments: Take matters into your own hands with your own HMA® Medical Benefits ID Card and resolve your payment with your medical providers. No further action will need to be taken by the HMA® participant at their provider’s office

2) The HMA® Is Your Ideal Dental And Vision Program To Pair With Medicare

  • Overcome The Limitations With Medicare Dental And Vision Coverage: Dental care is not seen as medically necessary by Medicare. Standard Medicare generally does not cover dental, but Part A may help with certain dental service in the hospital. Vision care is also not seen as medically necessary. Standard Medicare does not cover eye exams, eyeglasses or other related vision services. Medicare Part B may cover some things for vision including preventive or diagnostic eye exams, including glaucoma tests, cataract surgery and prescription lenses or eyeglasses in certain situations. Meanwhile, the HMA® will pay for most all of your dental and vision needs at your dentist (DDS) and optometrist (OD)
  • Avoid Overpriced And Limited Dental And Vision Plans: While the HMA® continues to build increasing medical benefits for you each month, dental and vision plans typically contain very limited benefits in general, especially for certain important dental and vision procedures. Whereas HMA® monthly contributions are fixed at the level of your choosing, many dental and vision plans are overpriced to begin with for the benefits offered and have the potential to increase in cost each year based on what the insurance company decides
  • Secure Access To Elective Procedure You Need: Most dental and vision plans will not cover elective surgeries like veneers and lasik while the HMA® pays for most MD, dentist (DDS) and optometrist (OD) elective procedures


Fill The Holes In Your Medicare Plans With The HMA® (10 min)


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The HMA® is not health insurance.