HSA Focalpoint

CALLING ALL BROKERS: GET IN THE GAME!

Well, not actually in the game. That could be risky. But close enough to feel all of the intense action. All you have to do is recommend the First Horizon Visa® HSA Debit Card to your customers enrolled in an HSA-qualified high deductible health plan. For every referral that results in your customers being issued a card, you’ll earn one entry for a chance to win a trip for two to the 2009 NFL Pro Bowl in Honolulu, Hawaii courtesy of Visa®!

We’ll make sure you have everything you need to enjoy your trip, including:

• Airfare
• Accommodations
• Event transportation
• Two game tickets
• And a $500 Visa® gift card to spend as you wish!

Don’t miss out on this once-in-a-lifetime opportunity. To participate, you must be a registered First Horizon Msaver broker. Registration is quick and easy - simply click here, or go to www.firsthorizonmsaver.com/visa, to get started.

Msaver Customers Can Now Save on Prescription Drug Costs.

First Horizon Msaver now offers the ScriptSave^® Prescription Drug Savings Card to its account holders.  During the month of October, customer savings averaged 38%* off the retail price of the prescription.

The ScriptSave^® Prescription Drug Savings Card is available at NO COST. There are no monthly or ongoing fees, no limits on usage and no income or age restrictions. Everyone in the household can use the card to receive savings on brand name and generic prescriptions at over 53,000 participating pharmacies nationwide.

To learn more, or to sign up for a card go to http://www.firsthorizonmsaver.com/rx-prescription-savings/.

*Typical savings average 22%, with potential savings of up to 50% (based on national program savings data).

DISCOUNT ONLY - NOT INSURANCE.  This program is not an insurance policy and does not provide insurance coverage.  Discounts are available exclusively through participating pharmacies.  You may cancel your registration under this program within thirty (30) days from the date your discount card is issued.

Putting Health Care Costs Under the Knife.

ahiphiwire.com,  December 8, 2008
With health care costs steadily rising and family budgets contracting, financial and health care experts recommend that consumers take control over their medical costs. Most urge being relentless in asking questions, searching for alternatives and maintaining self-discipline. (Read More)

Survey Shows Consumerism Uptick in Health Benefits.

ahiphiwire.com, December 11,  2008
A survey of large company employees shows that workers are significantly less willing to pay higher premiums to keep out-of-pocket expenses like deductibles and copays lower this year compared with 2007. Only 19 percent of employees surveyed this year were willing to opt for higher premiums, compared with 38 percent last year. (Read More)

Your Opinion Counts!
We want to know what you think. Click here to complete a short survey about HSAs.

Direct Deposit for your Quarterly Referral Fees.

You can now have your First Horizon Msaver quarterly referral fees directly deposited into your bank account. Simply fill out the Electronic Funds Transfer Form and send it to our office along with a voided check.

First Horizon Msaver, Inc
7400 W 110 St, Ste 520
Overland Park, KS 66210

Please note that if you choose to have your referral fee direct deposited, you will continue to receive the account breakdowns each quarter for your records.

CALLING ALL BROKERS: GET IN THE GAME!

Well, not actually in the game. That could be risky. But close enough to feel all of the intense action. All you have to do is recommend the First Horizon Visa® HSA Debit Card to your customers enrolled in an HSA-qualified high deductible health plan. For every referral that results in your customers being issued a card, you’ll earn one entry for a chance to win a trip for two to the 2009 NFL Pro Bowl in Honolulu, Hawaii courtesy of Visa®!

We’ll make sure you have everything you need to enjoy your trip, including:

• Airfare
• Accommodations
• Event transportation
• Two game tickets
• And a $500 Visa® gift card to spend as you wish!

Don’t miss out on this once-in-a-lifetime opportunity. To participate, you must be a registered First Horizon Msaver broker. Registration is quick and easy - simply click here, or go to www.firsthorizonmsaver.com/visa, to get started.

Health Savings Accounts can Benefit Employers and Employees.

journaltimes.com,  December 3, 2008
There can be certain advantages to both employers and employees to having an HSA, but they should not be considered to be a one-size-fits-all solution. What may work well for one employer may not necessarily be the best benefit solution for the next.
(Read More)

High-Deductible Plans Could Be ‘Next Frontier.’

workforce.com,  November 21, 2008
“I think a long, deep recession will accelerate” the adoption of these plans, said Tom Beauregard, who leads product development for UnitedHealthcare, which launched its Vital Measures plan last year. “This is the next frontier for how we manage costs because you’re not going to do it through increased cost sharing.”
(Read More)

AHIP Calls For Cross-State Benefits Plan.

lifeandhealthinsurancenews.com,  December 3, 2008
America’s Health Insurance Plans has proposed helping individuals and small groups buy affordable health coverage by creating an “essential benefits plan” that would be exempt from state benefits mandates. (Read More)

U.S. health reform effort to kick off with meetings.

businessinsurance.com,  December 5,  2008
President-elect Barack Obama’s transition team will kick-start the process of health care reform with a series of meetings across the country, modeled on those his campaign held last summer. (Read More)

Your Opinion Counts!
We want to know what you think. Click here to complete a short survey about HSAs.

Direct Deposit for your Quarterly Referral Fees.

You can now have your First Horizon Msaver quarterly referral fees directly deposited into your bank account. Simply fill out the Electronic Funds Transfer Form and send it to our office along with a voided check.

First Horizon Msaver, Inc

7400 W 110 St, Ste 520

Overland Park, KS 66210

Please note that if you choose to have your referral fee direct deposited, you will continue to receive the account breakdowns each quarter for your records.