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Introducing the 
Personal Health Fund

The First Healthcare Rewards Program in America, that rewards you for being healthy with money you can spend on any medical expense
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Why We Created the Personal Health Fund

66 Percent of all Bankruptcies last year were tied to Medical Issues 
40 percent of Americans have enough saved to cover a $1,000 emergency expense
It's estimated that 530,000 families turn to bankruptcy each year because of medical issues and bills

We thought Enough is Enough!
It's Time for a New Way of Preparing for Unexpected and
Everyday Healthcare Costs

How the Personal Health Fund Works

When you enroll in a Personal Health Fund, you choose a target dollar amount which comes with an affordable monthly payment. 

Each month you are healthy, you are credited with that money back to you. That means if you’re healthy during that period of time, you’ll have 100% of your balance to spend on health expenses. Although the PHF is designed to span three years, there’s no cancellation fee, and you can keep 100% of your remaining balance.

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Healthy Reward Credit

Personal Health Fund Balance

Month 1
Month 2
Month 3
Month 36

Example of a $10,000 Personal Health Fund Plan with a $280/Month payment

Get Started with a Personal Health Fund Today!

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How does it work?

The PHF Medical Benefits Visa Prepaid Card will be swiped at the point-of-service to pay for nearly all our cardholders? medical services including copays and deductibles up to their PHF account balance at the time of the claim and can be used by either individuals or families. PHF accounts also pay for elective procedures that are not covered by health insurance such as plastic surgery, lasik and fertility as well as home health and long-term care expenses among others.

What Medical Services are Covered?

Your HMA account balance will pay for your 213 (d) medical expenses, long term care and home health expenses as well as most elective procedures including lasik and plastic surgery among other highly sought after procedures. 

You can see a full list by clicking below

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Our plans provides discounts at certain providers for healthcare, wellness, and lifestyle services. Members must pay for all services at the time of service, but will receive a reduced price from those providers who have contracted with the program operator. Providers may not be available in all locations. Offers are subject to change without notice.