What Medical Services Does The HMA® Cover?

The Health Matching Account (HMA®) is a non-qualified, medical benefit savings plan that pays for most out-of-pocket, medical expenses that your health insurance and Medicare does not cover. You can access your HMA® plan benefits to pay for your qualifying medical needs by presenting your HMA® Medical Benefits ID Card at your health care 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 providers.

The medical services listed below can be paid for with your HMA® Medical Benefits ID Card at the point-of-service and covers a vast majority of qualifying, 213 (d) medical expenses.

HMA® List Of Covered Services

  • Elective Procedures (Lasik, Plastic Surgery, etc. with MD surgeons only)
  • Ambulance Services
  • Chiropodists, Podiatrists
  • Chiropractors (2 routine adjustments per month, $150 max)
  • Counseling Service: performed by PsyD or PhD
  • Dentists, Orthodontists
  • Drug Stores, Pharmacies (no sundries)
  • Hearing Aid: Sales, Service, Supply Stores
  • Chiropodists, Podiatrists
  • Hospitals
  • Hospital Equipment
  • Laboratory / Medical / Dental / Ophthalmic
  • Medical and Dental Laboratories
  • Opticians, Optical Goods and Eyeglasses
  • Optometrists, Ophthalmologists
  • Prosthetic Devices
  • Osteopathic Physicians


The HMA® is not health insurance.