The HMA Medical Benefits Account is a non-qualified, medical benefit savings account that pays for first-dollar medical expenses, much like an HSA, but offering far superior incentives. You can use your HMA benefits at the point of service by swiping your HMA Medical Benefits Visa® Prepaid Card to pay for your out-of-pocket, medical expenses.
Your HMA Medical Benefits Account can be also used to secure valuable, pharmacy drug discounts through the NPHM Rx Program, which will also be embedded in your HMA Medical Benefits Account. This proprietary program not only delivers significant savings to HMA cardholders also some of the lowest wholesale drug prices in the industry on prescription drugs, diabetic care services and daily living medical products on top of the savings that the HMA already provides. The NPHM Rx Program has no eligibility restrictions and may be used in all pharmacies nationwide.
In order to coordinate your primary health insurance plan benefits with your HMA pharmacy discounts, be sure to have your pharmacy swipe your primary health insurance card first before processing your WellDyne BIN Sponsor Number located on the back of your HMA Medical Benefits Visa® Prepaid Card. By doing this, you will be able to choose which pharmacy option is preferable for you between what your primary health plan offers compared to your NPHM Rx Card Program.
If you do not have a prescription drug discount plan, the price you can secure for prescription drugs through your HMA Medical Benefits Account with the WellDyne BIN Sponsor Number will be significantly better. If you do already have a prescription drug program that comes included with your health insurance, be sure to compare your pricing options. Any purchases at grocery store pharmacies can be covered on a mail-in reimbursement basis by completing the HMA Reimbursement Claim Form located in the Resources section of your HMA member account portal.
The HMA Medical Benefits Visa® Prepaid Card can be used and swiped at the point of sale to pay for the following medical services up to the HMA owner’s account balance at the time of their claims. In addition, HMA accounts are also eligible to be used to pay for elective procedures such as plastic surgery, lasik and fertility as well as home health and long-term care expenses among others. These medical expenses will be covered on a mail-in reimbursement basis.
These medical services listed below can be paid for by swiping your HMA Medical Benefits Visa® Prepaid Card at the point-of-service and cover a vast majority of qualifying, 213 (d) medical expenses:
HMA Medical Benefits Visa® Prepaid Card List Of Covered Services
- Ambulance Services
- Laboratory/Medical/Dental/Ophthalmic Hospital Equipment And Supplies
- Doctors not elsewhere classified
- Dentists, Orthodontists
- Osteopathic Physicians
- Optometrists, Ophthalmologists
- Opticians, Optical Goods, and Eyeglasses
- Chiropodists, Podiatrists
- Nursing and Personal Care Facilities
- Medical and Dental Laboratories
- Medical Services and Health Practitioners not elsewhere classified
- Drug Stores, Pharmacies (no sundries/mail-in reimbursemently only on grocery store pharmacy purchases)
- Hearing Aid – Sales, Service, Supply Stores
- Orthopedic Goods – Prosthetic Devices
- Optical Goods and Eyeglasses
- Counseling Service – Debt, Marriage, Personal
The HMA Medical Benefits Visa® Prepaid Card is issued by The Bancorp Bank pursuant to a license from the Visa® U.S.A Inc. The Bancorp Bank; Member FDIC. Card may not be used everywhere Visa® debit cards are accepted. See Cardholder Agreement for list of eligible goods, services and merchants.