Why is nHealth the right choice for you?

Simply stated, it’s your money and you should decide when and where to spend it. With nHealth, employees can put more money in their pocket, and employers can save on healthcare costs and premiums.

We also support our plan with award-winning online tools and personalized care, a 24/7 nurse line and ongoing support to help our members maintain a more healthy lifestyle, which can help lower future healthcare costs.

Did you know?

68% of Americans spend $500 or less (on average) on medical expenses per year, not counting insurance premiums. And, over half of these individuals spend $0 per year on medical expenses.

24% of Americans spend $1000 or less on medical expenses in a year.

And, 8% of us spend $12,000 on medical expenses in a year. With the average being that an year like this will occur one out of every 10 years.

How does that compare to how much you are paying in high premiums and increasing co-pays?

We think that its common sense to give money to employees instead of insurance companies for small, routine medical expenses. Then, if you need coverage for illness or an accident, you’ve got it.

The Basics of the nHealth Plan

What it covers:

• » 100% coverage after deductible
• » Preventive care
• » Generic drugs for asthma and diabetes
• » Hospital, surgical and medical expenses
• » Prescription drug costs
• » Mental health and substance abuse expenses

What an HSA can be used for:

• » Fund the deductible (physician visits, prescription drugs, hospital bills)
• » Non-covered medical expenses (chiropractic, acupuncture and over the counter drugs), as well as dental and vision exams and procedures
• » Premium for long-term care insurance, dental and vision insurance

Tax Advantages

• » Company contributes with pre-tax dollars
• » Employee may contribute with pre-tax dollars
• » Use the funds tax-free for qualified medical expenses
• » Tax free earnings through investments

Learn more about the nHealth Plan.

Step by Step Guide to nHealth

Step 1: Get a high deductible health insurance policy and a health savings account from nHealth.

Signing up for an nHealth high deductible health insurance policy is much like the process you went through to sign up for a traditional policy. Setting up an HSA is like starting any other savings or checking account.

Step 2: Fund your HSA.

Both the employee and the employer can put money into the employee-owned HSA, tax free.

Step 3: Use your HSA to pay for medical costs.

Use your HSA to cover the cost of your incidental medical expenses, prescriptions, and minor associated fees.

Step 4: Meet your deductible.

If you meet your deductible using your HSA funds, everything above and beyond will be covered in full (with the exception of the physician's fee for visits). If you don't meet your deductible, YOU keep your money and the HSA funds roll over and are available to use the following year.

Step 5: Reach out-of-pocket maximum.

If you reach your out-of-pocket maximum, nHealth covers all additional expenses.