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Created to put control back in the hands of consumers and to lower healthcare costs,
Motivano’s SmartHSA account and debit card provide a financial incentive for consumers to utilize a High Deductible Health Plan (HDHP). HDHPs are more affordable and have lower monthly premiums than typical health plans. The HSA and the HDHP work in unison to help consumers by providing increased incentive to shop more carefully for their healthcare services.
Why Employers Should Offer HSAs?
An HSA as part of your company's employee benefits package provides your employees with more control over their healthcare costs and more choice in healthcare services, while lowering their premiums. It even lets them take advantage of many tax benefits that they would not have
access to without an HSA. Here is what HSAs can do for employers:
Reduce Health Care Premiums
Rising healthcare costs makes it difficult for employers of all sizes to offer healthcare coverage. An HDHP and HSA combination can be the answer. The HDHP has a lower premium, while the HSA provides a tax break to help pay for expenses that go toward the deductible.
Less Administrative Work
Unlike other healthcare funding options, you are not responsible for your employee's account once it is opened. With an HSA, you decide how much to fund. No more claims administration or adjudication process. No more record keeping for the IRS.
Employer Tax Benefits
The contributions your company may choose to make to employees' HSA accounts are generally tax deductible. (Consult with your company's tax and legal advisors.)
Motivano Customer Service
• We take customer service seriously, so you will always be able to speak directly to a customer service representative
Marketing support
• On and off-line HSA education
• Marketing collateral
• CDH marketing strategy to drive accounts
HSA design consulting:
• Line of credit
• Investment offering
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