Idaho’s PremierMedical Savings Accounts

Idaho’s PremierMedical Savings Accounts

(208) 331- 0676www.IdahoMSA.com

(208) 331- 0676www.IdahoMSA.com

An Idaho MSA pays tax-free, for:

• Health Insurance, Medicare & LTC Premiums

• Doctor Visits, Hospital Bills & Surgeries

• Dental Costs, Eye Exams & Hearing Aids • Even Contacts, Eye Glasses & Band-Aids!

Eligible ExpensesEligible Expenses

What Can You Spend the Money On?

Items That Are OK: The quick answer is anything that is "medically necessary”, as defined by IRS Publication 502. You can purchase many common items, such as: • Health Insurance, Medicare & LTC Premiums • Doctor Visits, Hospital Bills & Surgeries

• Dental Costs, Eye Exams & Hearing Aids

• Even Contacts, Eye Glasses & Band-Aids!

You can also include alternative medicines and treatments like acupuncture, massage therapy and chiropractic care. As long as the treatment is medically necessary, your Idaho MSA funds can be used to pay for many different products and services.

Items That Are Not OK: Aside from the obvious non-medical purchases like tires for your car or a new roof on your house, there are several types of medical products and services to avoid: • Over-the-Counter Drugs

• Cosmetic Surgery

• Vitamins and Dietary Supplements

Open Your Idaho MSAOpen Your Idaho MSA Opening your Idaho MSA is quick and simple using any

of our convenient enrollment options.

Online Enrollments:

• ONLINE: www.IdahoMSA.com

Paper Enrollments:

• PHONE: (208) 331-0676

• EMAIL: info@IdahoMSA.com

Our Custodial BankOur Custodial Bank

Contact UsContact Us

American Health Value671 E Riverpark Lane, Suite 100

Boise, ID 83706(208) 331-0676info@IdahoMSA.comwww.IdahoMSA.com

2015 American Health Value, LLC All rights ReservedC

We are proud to offer our MSA with our banking partner, Idaho Independent Bank (IIB). Founded in 1993, IIB is a full service community bank chartered in the state of Idaho. IIB currently operates three branches in Boise, with additional branches in Meridian, Nampa, Caldwell, Mountain Home, Star, Ketchum, Coeur d’Alene and Hayden, Idaho. With our combined experience and expertise, you can expect exceptional personal service with a friendly hometown feel.

Free Healthcare SavingsFree Healthcare Savings

Teamed with your Idaho MSA Significant & Immediate Savings on:

Prescriptions – Save up to 65% Over 59,000 local and national pharmacies, with over 60,000 prescriptions covered!

Dental Care – Save up to 40% Quality dental care for pre-negotiated rates at over 350 dentists across Idaho!

Vision Care – Save up to 50% Discounts on glasses, contacts, eye exams & more!

Doctor Visits – Save up to 50% See network physicians at pre-negotiated rates resulting in savings up to 50%!

MRI & Imaging – Save up to 50% Save on MRI, PET, CT and ultrasound scans and services.

* Powered by WellCard Health. WellCard Health is not insurance. It is a discount medical program. It does not replace COBRA or any other medical insurance program nor is it a Part D prescription drug plan. Cardholders are responsible for paying the discount cost at the time of service. WellCard Health has no membership fee. The discount plan organization is AccessOne Consumer Health, Inc., 84 Villa Rd., Greenville, SC 29615, www.accessonedmpo.com. Visit www.WellCardHealth.com for full disclosure statement.

+5 More Programs!

AHV BenefitsAHV Benefits Boise-based American Health Value

is bringing our 19+ years of MSA/HSA benefit administration on a national level back home to Idaho for the benefit of our friends and neighbors.

Through the years we’ve seen every scenario, and we know every legality and loophole. We truly have the knowledge and expertise required to tailor the Idaho MSAs in order to maximize their benefit to each individual. This allows you to truly save money on your healthcare expenses, and plan for you and your family’s future.

The “Value” in American Health Value:

• You Don’t Need to Be An Expert o Simply Contact Our Office

Web, Phone, Email, Chat & Walk-Ins

• We’re Local and We’re Ready o Dedicated Idaho MSA Specialists o No Phone Trees or Waiting Times o Unlimited Personal Assistance

• We’ve Got Your Back o We Monitor the Legal Aspects o We Provide Figures for Tax Reporting o You Stay 100% Compliant

• We’re Your One-Stop Resource o User-Friendly & Informative Website o Simple Fillable Forms & Automation o Flyers, Videos, Infographics & More!

Put us to work for you and get the unlimited local support, personalized consulting and peace of mind you deserve for you and your family’s Idaho MSA!

What is an Idaho MSA?What is an Idaho MSA?

What is an Idaho MSA? An Idaho MSA (medical savings account) is a bank account that helps you save money on healthcare costs and plan for your future. It accomplishes these things by directly reducing your taxable income for every dollar you put into the MSA on the Idaho State level. You can use your Idaho MSA money tax-free to pay for medical expenses like premiums, co-pays, dental visits and hospital bills. The money you don’t spend rolls over each year and earns tax-free interest on the State level. You can even pull the money out for retirement after age 59.5! Who Can Open One? AAnnyyoonnee tthhaatt ffiilleess aann IIddaahhoo ttaaxx rreettuurrnn!! IItt hhaass nnoo iinnssuurraannccee rreeqquuiirreemmeennttss,, aanndd nnoo eemmppllooyymmeenntt oorr aaggee rreessttrriiccttiioonnss.. WWhheetthheerr yyoouu’’rree eemmppllooyyeedd,, uunneemmppllooyyeedd oorr rreettiirreedd -- oorr iinnssuurreedd,, uunniinnssuurreedd oorr oonn MMeeddiiccaarree…… yyoouu ccaann hhaavvee aann IIddaahhoo MMSSAA!!

How Much Can You Put In? Annual contribution maximums are based on your tax filing status:

This brochure does not provide full explanation of Idaho tax laws or rules. For more information, consult your tax advisor or contact American Health Value.