How can I benefit from belonging to a Heartland Healthcare Network insurance plan?
The Heartland Healthcare Network is very excited to offer its members the opportunity to access heath insurance benefits through the HHN Heath Trust.  The HHN Health Trust strives to provide excellent benefit plans with competitive rates while looking into the future to manage the costs of health benefit plans.

How do I qualify for a Heartland Healthcare Network insurance plan?
Heartland Healthcare Network members are eligible to apply for benefits.  Please contact Jim Nyhof or Matt Peterson with Dawson Insurance to learn more about the plan.  Click Here.

What is a health savings account?
A health savings account (HSA) is an account that allows you to make pre-tax contributions that are used to pay for qualified medical expenses. You can save the money in your account for future medical expenses and grow your account through investment earnings. Funds remain in the account from year to year, such as they do with an IRA. There are no “use it or lose it” rules for HSAs. You can also use the funds in your account to pay for current medical expenses, including expenses that your insurance may not cover. HSAs are available in conjunction with a “High Deductible Health Plan” (HDHP). HSA’s are portable, meaning you can keep your HSA even if you change jobs, change your medical coverage, become unemployed, move to another state or change your marital status.
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                                                                                                                                                               Additional FAQ's about HSA's >

What are the major differences between an insurance plan and a health savings account?
A HSA is simply an account used to pay out-of-pocket medical expenses. It is much like a savings account specifically for medical expenses, but that must be set up with a qualified high deductible health plan. As long as funds are saved and spent on qualified medical expenses, all contributions, capital gains, and withdrawals remain untaxed.

In general, HSA's will be less expensive than traditional insurance plans. The reason is simply that plan deductibles are higher. Therefore, the insurance company underwriting the plan will not have to immediately cover small, incidental claims. The owner would use funds from the HSA for many of the incidentals such as doctor visits and prescriptions.

How do I find the status of my claim?
All claims that are being processed can be reviewed on the Noridian Benefit Plan Administrators web site:  www.mynbpa.com

How can I see if my prescriptions are covered?
Prescription coverage can be reviewed on the Caremark web site:  www.caremark.com

What is health club reimbursement and how can I benefit from it?
Any participant that attends any gym 10 times in a month can be reimbursed $20 for the month.  The gym needs to be able to provide proof of attendance which is submitted on a claim reimbursement form.

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