Health Savings Account (HSA) plan

World Insurance offers an excellent Health Savings Account (HSA) plan. An HSA is a savings accounts that is coupled with a World Insurance high-deductible health plan. You can deposit tax-deductible money into the HSA and use it to pay health care expenses throughout the year that aren't covered by your World Insurance plan.

In many parts of the country, World Insurance is the only HAS qualified plan available that offers optional coverage for maternity services. Since quotes for the maternity rider are not available online, you will need to call one of our expert advisors at 866-749-2039 for pricing. When added, this benefit covers 100% of the cost of a routine delivery after you have paid a $2500 deductible. This helps pay pregnancy-related expenses such as prenatal care, delivery, newborn hospital costs, and postpartum care after delivery. Benefits will be payable for pregnancies beginning after a six month waiting period.

Before HSA legislation went into place, the majority of our business with World Insurance was their catastrophic Value Advantage plans. Since HSAs went into effect, World's HD Advantage plan is often a very good option, particularly for those over age 55. Each calendar year, includes deductible.

1. See optional Comprehensive HSA Benefits below.
2. 50 Plan not available in Georgia.

Additional coverage information for plans with optional Comprehensive HSA Benefit

Inpatient Hospital Subject to deductible and coinsurance Outpatient Medical Subject to deductible and coinsurance Emergency Room $100 access fee if visit is for an illness and patient is not admitted directly into hospital as inpatient, then subject to deductible and coinsurance Physician Office Visits Subject to deductible and coinsurance for medical services provided by a physician Prescription Drugs Subject to deductible and coinsurance for prescription drugs or medicines for a covered illness or injury when prescribed by a physician and dispensed by a licensed pharmacist Wellness Benefit Maximum of $150 first dollar coverage for wellness benefits per covered person, per calender year. Eligibility starts for each covered person 12 months after plan is effective for that covered individual. Foreign Travel Emergency Subject to deductible and coinsurance; $100,000 lifetime maximum

This is a basic limited plan unless the optional Comprehensive HSA Benefit is selected. Please

note that expenses from non-PPO providers are subject to the usual and customary charge limitation described in the World Insurance brochure. Generally speaking, the “usual and customary” charge is the amount World would expect most physicians to charge for a particular medical procedure, service or supply. Each year refers to calendar year.