There are three things to consider when determining if an HSA is right for your client.
1. Is the client eligible?
To be eligible for an HSA, individuals need to meet certain requirements:
- They must be covered by a high-deductible health plan like BlueEdge Individual HSA from Blue Cross and Blue Shield of New Mexico.
- They cannot be enrolled in Medicare.
- They cannot be claimed as a dependent on someone else's tax return.
2. What do your clients want from an insurance plan?
A high-deductible health insurance plan with an HSA is probably right for your clients if:
- They want affordable premiums and a wide range of benefits.
- They don't expect to have a lot of medical expenses.
- They have enough money saved just in case they have to pay unexpected out-of-pocket health care expenses.
- They want control over their health care choices and spending as well as their current and future finances.
3. How reliable is the insurance company?
Your clients need a high-deductible health insurance plan before they can open a health savings account. But don't forget: All high-deductible plans are not the same. When choosing BlueEdge Individual HSA from BCBSNM, members get dependable, affordable coverage from one of the most trusted insurance carriers in the industry.
Learn More About BlueEdge Individual HSA:
Overview
BlueEdge Individual HSA benefit information
Helping your client set up a health plan and HSA
HSA Sales Guidelines
BlueEdge FAQs
