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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Medicare drug co-payments

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I have a pay at the time of service discount card for medical services at pre-negotiated Medicare rates. Payment is made by a debit card. I am considering the various CDHP options (HSA,HRA,FSA) through my employer. Can I connect my discount card to HSA, HRA, FSA for out of pocket payments?

A: HSAs are not compatible with Medicare in any manner, but your out-of-pocket costs can be covered by an HRA (if the expense is paid by the employer) or an FSA (if the expense is paid by you). Either of these benefit plan options are available at


More resources:

Freedom Benefits Small Business Employee Benefit Plans