
Your Next Steps
Step One
Talk to your wellness professional about setting up a wellness program for you and your family. Wellness care can make you healthier today and save you money on future sickness expenses.
Step Two
Get Accident Medical Coverage for $10 - $22 per month that pays your annual deductible, coinsurance and other medical expenses if you have an accident.
Step Three
Raise the annual deductible on your health insurance (either employer-sponsored or individual plan) to save $2,000 - $5,000 each year in unused doctor/ hospital visits.
Step Four
Employees — Speak to your HR Department or Benefits Administrator about
how to use your FSA, HSA and HRA to pay for your wellness expenses.
Employers — Switch your health benefits plan to an HRA to save up to 50%
and allow your employees to choose their own balance of sickness vs wellness
care. Visit www.ZaneHRA.com to learn how.
Step Five
Open a Health Savings Account (HSA) that lets you save tax-free for retirement,
wellness, and future health expenses.
![]() Paying for Wellness Brochure (Download) |
![]() Accident Medical Coverage Brochure (Download) |

