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[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Health Accounts Guide” module_id=”guide” _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”|600|||||||” text_font_size=”16px” header_2_text_color=”#000000″ text_orientation=”center” global_colors_info=”{}”]Receive our complimentary Health Accounts Guide. Let our experience be your peace of mind. Contact us for guidance that is personal.[/et_pb_text][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”|600|||||||” text_font_size=”16px” header_2_text_color=”#000000″ global_colors_info=”{}”]
Top Reasons To Start A Health Savings Account
You can pay for healthcare expenditures with tax-free money
The money deposited in an HSA account is tax-free! That is right, no income tax! The government keeps its hands off it! When you use your HSA debit card to pay for your health care expenses, you are paying for it in pre-tax dollars, which is like getting a 20–30% discount on services rendered, depending on your tax rate. Over your lifetime, this is a huge savings.
You will need to keep records of all qualified medial expenditures, with your annual tax filing, in case you ever get audited by the IRS (Internal Revenue Service). Receipts are the only acceptable proof to the IRS that you spent HSA tax-free funds on approved products and services.
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How To Setup An HSA
- Contact your HR department to set up monthly payroll deductions and direct deposit.
- In leu of payroll deductions, you may directly fund an HSA account. You will receive the IRS Form 1099-SA and IRS Form 5498-SA from your HSA vendor which will be used when you file your taxes to lower your tax liability by the amount you contributed for the year.
- Select a qualified health insurance plan that allows you to have an HSA. Contact your insurance agent or ask your employer for your options. Do not have either? Contact a LifeCore Aviator and they will assist you.
- Choose an HSA Vendor
- If you go through your employer, they may suggest you use their chosen vendor, but you can still select your own. Not sure where to start? Request a preferred vendor list.
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Interest Earned On Your HSA Account Is Tax-Free
The interest earned on the money in an HSA is tax-free. Unlike your other banking accounts that generate interest income, the HSA will never send you a 1099-INT. The interest stays in your account until you are ready to use it to pay for your healthcare expenses.
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You Own Your HSA
You own the money in your HSA account. HSA funds do not belong to the insurance company or your employer and cannot be released to anyone except you or your beneficiary. HSA accounts do not have to be used in the same year as the contributions to the HSA Account.
You will need to keep records of all qualified medial expenditures, with your annual tax filing, in case you ever get audited by the IRS (Internal Revenue Service). Receipts are the only acceptable proof to the IRS that you spent HSA tax-free funds on approved products and services.
Benefits Of The HSA Account Continuously Roll Over And Accumulate
If you lose your health insurance an HSA account stays with you. An HSA cannot be taken away if you change employers, health insurance plans and it is not a ‘Use it or Lose it’ benefit! HSA funds roll over and stay with you whenever you need them in the future. Even upon your demise, all HSA funds are yours and they will be distributed to your beneficiary.
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HRA (Health Reimbursement Account)Basics
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What Is A Health Reimbursement Account?
HRAs (Health Reimbursement Accounts) are employer-sponsored accounts that offer members free money to pay for eligible health care expenses. HRAs are owned and funded exclusively by your employer. Take advantage of your employer-funded benefit.
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Am I Eligible For An HRA?
Eligibility requires your employer to offer an HRA. In addition, plan eligibility varies by employer. Carefully review your open enrollment materials to verify eligibility.
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How Do I Sign Up?
You can enroll in a health plan and sign up for an HRA during your organization’s annual enrollment period. Some plans feature automatic enrollment. Consult your annual enrollment materials to learn how to enroll.
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Get Free Money
HRAs do not require payroll deductions and you do not need to contribute any money. Your organization will fund the entire account. Plus, all reimbursements for eligible health care expenses are tax-free too.
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Reimbursement Is Easy
Your employer will have an administrator for their HRA. Most provide a way to log in and manage everything via online or mobile applications. You will need to contact your HR department for details.
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Plans Vary By Employer
Your organization sets your annual healthcare reimbursement limit and determines which expenses are eligible. Carefully review your annual enrollment materials to find your specific plan details or contact your HR department for details.
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Eligible Services
As a health account holder and NeuroMotor Training member, you can use your health account dollars with us!
The following services are considered eligible if the purpose is to treat a specific illness diagnosed by a physician (such as overweight/obesity, hypertension (high blood pressure), diabetes, heart disease etc.)
Services
- Pain management therapy
- Parkinson’s Therapy Program
- Neuro Therapy Program
- Nutritional counseling
- VO2 Resting testing
- VO2 Max testing
- Osteoperosis therapy (via bioDensity sessions)
- Osteopenia therapy (via bioDensity sessions)
- Weight management
Do you have a specific question? Use the ask a question button or schedule a call. We will be happy to help.
To schedule a consultation please call 315-935-7488 (text/call) or click here to email us.
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Welcome to the Health Account Marketplace
We stand for quality and have done the leg work for you. All the products and services have been vetted for quality and are trustworthy companies available to you at your fingertips.
All items are health account eligible. Once you click on an item a new window will open or you will be directed directly to that company website where you can make a secure purchase and the item will be sent directly to you.
Have a question? Want to see a specific product or service in this store? Click here to send us a message.
Health & Nutrition Products
Nitric Oxide is closely linked to healthy blood pressure and energy levels — as well as cognitive health, hormonal health, gut health, sexual health, and more. Supplementing your diet with a measured, quality source of dietary nitrates is an easy and effective way to boost NO levels and support your overall health.
Devices & Equipment
Coming soon….
Online Programs
Coming Soon…
Local Health Care
All local health professionals and organizations are a part of the LifeCore program and provide various services that are health account eligible. Please call or click to contact these trusted professionals directly.
Coming soon…
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