AGENTS

Being one of the few service providers available, Home Federal has assisted employers and employees, insurance agents, licensed brokers, individuals, attorneys, tax advisors, and others looking for experience and guidance in setting up Medical Savings Account programs. Home Federal recognized the value of MSAs immediately and focused on building expertise in the product and providing the tools necessary for customers to take advantage of the benefits provided first by MSAs and now by HSAs

Commissions

Behold the power of consumer advocates, insurance agents and licensed brokers, and other interested parties have been persistent in their fight to expand the Medical Savings Account program to all consumers. Home Federal continues to understand the critical role these various agents play in building and maintaining HSAs and the ultimate success of this consumer driven health care initiative. Home Federal pays for each individual account with unlimited potential.

Whether you are a licensed broker, lawyer, accountant or insurance agent referring your individual clients or the insurance agent, agency, TPA, general agent, or super agent referring employer groups, Home Federal provides a revenue sharing opportunity. We pay commission on a quarterly basis giving you a quicker return for your efforts and because the payout is unlimited, it's not uncommon to pay thousands of dollars to agents on a quarterly basis.

HSA Providers

Everyone is jumping into the Health Savings Account arena with little or no experience. Calls come in daily looking to Home Federal for insight and help to running a successful Health Savings Account program. Others offering HSAs are passing the costs of paying the agents onto the customers. Home Federal not only pays one of the best revenue sharing packages in the industry, we do so by providing one of the lowest cost Health Savings Account products in the nation.

Some providers appear inexpensive on the surface, by offering no annual fee etc., yet you investigate service charges and your clients are bearing the costs. Potentially, you could loose the client by not clearly exposing some providers hard to find fees. Home Federal has been doing HSAs for nearly a decade and our objective is growing our deposit base and not looking for this product to be our sole source of fee income. Home Federals interest lies with the customer -- who in our eyes, are the agents, employer, employees, companies and individuals who need honest, sincere, live and helpful people to provide them service for their Health Savings Accounts.

Agent Education

Agents have educated and continue educating themselves and consumers to the real cost of health care by shifting the initial financial responsibility to the true source, the health care consumer. They educate the consumer to the relative value and quality of health care providers and their services. They educate consumers about choices when it comes to quality health insurance plans and about the real and positive changes in health care financing reforms. By being the advocates and teachers agents educate the consumer about the difference in health care and health insurance.

From the grassroots level Home Federal knows HSAs are a great way to both pay for health care and save money. We not only help others enjoy the benefits of our HSA product but our employees use this product making it easier to provide a high level of customer service through the passion of personal experience.

Word of Mouth

Insurance agents are listed as a contact within their State, so the prospective HDHP customer visiting our site, finds you, a qualified agent in their area. We list your contact information, including going directly to your personal E-mail if requested. Home Federal has one of the nation's premier web sites devoted exclusively to Health Savings Accounts. We've been in the Medical Savings Account business since 1996 and now the Health Savings Account business. We help agents, priding ourselves on providing outstanding service and helping our clients with their customers through offering Home Federals Health Savings Account.

Please note: Home Federal looks to our agents' expertise in selling the appropriate HDHP to couple with our Health Savings Accounts. Therefore, Home Federal does not sell insurance, our focus and expertise is on the HSA!