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The purpose of this short, easy to understand report is to make you aware of the benefits of paying cash to your health care providers.

Health care providers are being educated to the benefits of catering to patients who hold HSAs. Health care providers are being bombarded with high service charges and huge reductions in payment because the giant health insurance companies and HMOs first take their portion and then typically don't pay the doctor or health care provider for 60 to 120 days or more for his/her services. The average health care provider typically has 2-3 people to administer and maintain this huge cumbersome insurance paperwork system. When you offer to pay cash immediately for health care services, you deserve and will receive a significant discount, many times 50% or more off of what you would normally pay. This is a very important thing to know. The average insured family spends less than $2000 annually for health care. If you get a 50% discount off that for paying cash, your out-of-pocket expense is only $1000 per year.

You will receive a statement with all of the proper coding that you will have for your HSA administrator if you wish a refund later. Your doctor saves dollars because he/she does not need to process your visit through their insurance department and your visit does not have to go through his/her billing department.

You must know and understand how your new HSA works so you can receive every benefit provided. Notify your health care provider before your visit of your intention to pay cash at the time of service and inform him/her that you don't have direct health insurance. Then ask for their cash discount policy. Simply ask what his/her cash service fees are in comparison to his regular fees. This applies to your dentist, doctor, chiropractor, you name it. It is to your benefit to know exactly at the beginning what your discount and cost for that service will be. The main benefit of having your HSA is that you are now in control of your health care. You are no longer tied to any one specific health care provider and you have the complete choice of who you use. Smart consumers shop for the best deals on everything else, why not health care?

Marc Hart - Owner of Marc Hart Insurance Services specializes in health savings accounts for individuals, families, small business owners or anyone that purchase there own insurance. For more information please visit http://www.westcoasthsaplans.com or email Marc Hart at marc@westcoasthsaplans.com

Ogre Island is an outstanding free to play MMORPG! Get ready for adventure with trolls, hill giants, dragons, skeletons, zombies, imps, farm animals, and dungeons. Start off with a choice of basic skills. Choose three different ones with choices like swordmanship, magic of all kinds, alchemy, and fishing.

As you continue through the wilderness meeting players, battling monsters, finding ancient tomes of wisdom be sure to keep a keen look out for some special players! The most skilled player in the game though not the highest level (timetogonow) is a very intense and highly adept player.

The expert on the player market (Alturia Raven) is a colorful female with skills a plenty. She is up to date on the prices of items in the player market.

Alturia's significant other (Jayce Atkins), they are hardly ever apart, he is the magic man and knows the location of all the scrolls and is a magic man with knowledge of spells.

The Master of Arms (CanadianWarrior), he makes all the equipment that you'll ever need though it is pricey because of the quality, if he doesn't have it, timetogonow does.

The man to speak with of the tomes and mines (Graganor), if he doesn't know, it doesn't need to be found.

(Wyverex) also known as Nail or Helper, he is an expert on Monsters and Leveling, also quite the knack for making money outside the player market, cha-ching.

Also (Vagabond) is THE CREATOR! If you find him on the map.... consider yourself blessed. He is the originator and freely hands out birthday cakes on your birthday and random items throughout the holidays like SANTA HATS!

Ogre Island is a brilliant free MMORPG! And, well worth the time it takes to level up and then it is enjoy your time playing, making friends and conquering the island.

Stephanie Haile enjoys teaching new people to the Internet how to navigate and become comfortable with their computers. She is a business owner, wife, mom, pet lover, and beach enthusiast who writes, reads, plays video games, and helps others create a residual income for financial stability. Google Stephanie Haile and get in touch or give her a call and find out about how her business can help you! 321-745-6202

Stephanie Haile AKA Wavecritter
http://www.wavecritter.com
http://www.BerryCritter.com