All of our participating providers are also local employers. We know how costly it is to provide health care coverage to employees and their families and we are sensitive to the high cost of traditional employer-sponsored fully-insured healthplans. For many of our practices (as small employers), we were unable to afford to offer any health benefits...until now.
Care Card membership now allows us that opportunity. We can either purchase a Care Card for each of our employees or we can at least make the information about the program available to each employee. Either way, the cost is minimal and when the Care Card is partnered with a contribution toward a high-deductible plan, we can provide an excellent health benefit package at an affordable cost.
Care Card membership fees purchased by an employer are the same low cost as those offered to individuals:
 

Individual Membership is $72.00 per year.

Family Membership (2 Members) is $108.00 per year and

Family+ Membership (3 or more Members) is $132.00 per year.

Whether you are a "self-funded" or "self-insured" employer, or just want to give your employees a health benefit to reduce their own cost of routine medical care, purchasing the Care Card for your employees makes sense. If you are considering HSAs, HRAs, or FSAs as benefit options, the Care Card works seamlessly with any of these popular alternatives resulting in lower costs to your business and to your employees for routine medical care expenses.
The IRS has published a side-by-side comparison of these popular employer-sponsored health benefit plans. To view those comparisons, Click Here

Employer Enrollment

Call us at (706) 733-1776 to enroll employees in the Care Card program or to explore additional options.

Health Savings Accounts

"A health savings account is a good deal, and all Americans should consider it...These accounts will be good for small business owners and employees. This will help more American families get the health care they need at a price they can afford."

-President George W. Bush, December 8, 2003

With last year's passage of the Medicare Bill, Congress established a system whereby any individual may establish a Health Savings Account ("HSA") which allows the HSA holder (and or their employer) to make tax-free contributions which, when used for medical expenses, may be distributed tax-free on behalf of the account holder. We believe this legislation will prove to be one of the most important changes to our healthcare financing system in many decades.

"Every year, the money not spent would stay in the account and gain interest tax-free, just like an IRA. And people will have an incentive to live more healthy lifestyles because they want to see their health savings account grow."

-President George W. Bush, December 8, 2003

An HSA allows the account holder, his/her employer or both, to make tax-free contributions to the account which, if unused for medical expenses, may accrue year to year tax-free. Monies earned from these accounts also accrue year to year tax-free. The monies in these accounts may be used to pay for any eligible medical expenses (like doctor office visits, procedures, Rx, etc.) without any tax consequences. Check with a tax advisor or IRS publication(s) for other allowable distributions.

In order to qualify for an HSA account, the account holder must also have or acquire a High Deductible Health Plan ("HDHP") which will cover medical expenses which may be incurred and may exceed the annual contribution to the HSA account. This requirement does two beneficial things. First, it provides the major medical or hospitalization coverage everyone should have to guard against a major or expensive illness or accident. It also allows the HSA account holder to enjoy a greatly reduced premium. It's simple. The less insurance you buy, the lower the monthly premium will be. If you do not purchase coverage for small, predictable routine medical expenses, your insurance premiums will be greatly reduced.

"And tonight I propose that individuals who buy catastrophic health care coverage, as part of our new health savings accounts, be allowed to deduct 100 percent of the premiums from their taxes."

-President George W. Bush, State of the Union Address, January 20, 2004

For a copy of HSA Road Rules for Individuals Sixth Edition January 2008
Click Here

For a copy of HSA Road Rules for Employers 6th Edition January 2008
Click Here

The Care Card is not insurance. Neither Doctors Direct of the CSRA, Inc. nor its Care Card program sells insurance products or establishes HSAs. However, the Care Card may work to reduce out-of-pocket expenses to meet a high deductible. To learn more about HSAs or to receive a quote please contact your health insurance agent or call us at (706) 733-1776 and we will forward your request to a qualified insurance agent/broker.
If you are interested in additional information about HSAs, please visit our HSA page.