Premium HSA
Comprehensive healthcare for individuals and families with 1099 or small businesses income
What's Included
Medical Cost Protection
For large, unexpected medical bills. After the IUA is met, 100% of eligible medical expenses are covered.
No network restrictions
No lifetime or annual caps
Three year look back for pre-existing conditions
Stay protected while traveling abroad
Virtual Care
Connect with a doctor 24/7/365 for $0
Primary care
Urgent Care
Dermatology (3 visits per household, per year)
Preventive Care (MEC)
Minimum Essential Coverage (MEC) preventive services, as mandated by ACA, at no cost
Annual wellness exams
Preventive screenings (e.g. colorectal, mammograms, etc.)
Immunizations
Must use the PHCS provider network when available in your location
Mental Health
Confidential counseling support when you need it
Virtual Behavioral Health: $0 mental health counseling
Virtual Psychology: Shareable up to a maximum of $750 per instance and $750 per year
Virtual Psychiatry: Shareable up to $3,000, $7,000 if resulting from injury or underlying medical condition
Maternity
Expectant mothers have the freedom to choose where and how to deliver their baby
Covers prenatal, delivery, and postnatal care
Eligibility requires 6 months of membership prior to conception
Incurs $2500 or $5000 IUA fee
Prescription Benefits
Access to affordable medications via RX Valet
Tier 1 Medications: $0
Tier 2 Medications: $14.95 and under
Access to weight loss medications at exclusive discounted rates
Home delivery or local pharmacy pickup nationwide
Health Savings Account
Create a Health Savings Account for tax free medical savings
Tax-free contributions
Tax-free withdrawals for eligible medical expenses
Tax free investment growth
Pet Telehealth
$0 unlimited 24/7 virtual access to licensed vets and prescription savings for all household pets
Avoid the trauma of the vet trip
Exclusive Member Discounts
Special savings on wellness products and services
30% off vitamins and supplements
$25 off DNA testing
Wellness product discounts
Up to 75% off pet prescriptions
Concierge Assistant
Personal guidance through your healthcare journey
Membership support and guidance
Help saving on labs, imaging and medications
Locate quality care at fair prices
Appointment scheduling assistance
Additional Details
Frequently Asked Questions
Am I eligible for Premium HSA?
You are eligible if you have income related to self-employment, a small business with 2-50 employees, or 1099 based work. This is due to government requirements for establishing an HSA account. If your employment status does not meet these guidelines it may be flagged during an IRS audit but sharing requests you submit to MPB Health will never be rejected due to your employment status. It should be noted that any income, regardless of amount, qualifies so now could be a good time to start that pet rock business and sell one to your neighbor (as long as you report the income on your tax return).
What documentation is required to enroll?
You will need to provide either your businesses EIN number or your social security number, whichever one you use to file your federal taxes.
Is an HSA account provided?
No. While the Premium HSA plan qualifies you to have an HSA account for you and your family members, you will be responsible for creating your own account and managing contributions and withdrawals. Smart Share recommends Lively as an easy to use service provider. Smart Share is not affiliated with, or have any monetary relationship with, Lively.
Is my monthly premium tax deductible?
No. Health share memberships are not insurance and therefore not eligible for a tax deduction