HealthNow is a management company for self-insured plans, basically your employer doesn’t have insurance and are themselves paying for your medical costs. It’s a terrible company. I am not commenting on myHNAS (which should not be on the AppStore as it is nothing more than a website) but the customer service is pathetic. As Michigan resident, every insurance company is required by law to provide a letter confirming if my plan is qualified or not for the purposes of auto accident coverage. HealthNow representatives confirmed to me every day, for two months, that I will get a letter “today”. Needless to say, such letter never arrived. I suffered $500 worth of damages due to HealthNow negligence. If your employer has selected HealthNow, do yourself a favor and shop for real insurance on the marketplace, you will thank me later.