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LISTEN TO A MEMBERSHIP OVERVIEW

10 MIN AUDIO MEMBERSHIP OVERVIEW (MP3)Download

Your Employer Healthcare Solution - Solved

Your decision could not be easier!

3 Amazing Memberships

MPB.Health allows you to choose between all 3 MPB.Health memberships to best fit you and your employees needs.

MPB.Health SECURE

  • 64 Preventative Services and Screenings Included
  • Annual Wellness Exams - Annually for adults. Well baby per schedule
  • Paps and Screenings
  • Mammograms - age appropriate or high risk
  • Colonoscopy - age appropriate or high risk
  • This the only time members need to remain within a network & will show their card
  • This is the only time that a MPB.Health member must remain in Within the PHCS MultiPlan Network. All other needs may be addressed via the Unlimited Virtual Care or taken care of as a self pay patient. If the illness exceeds the chosen IUA (Initial Unshared Amount) it will go towards the NEED. The IUA needs to be met one time and one time only - no matter how long the illness or condition continues. 
  • There is no cost or waiting period for any age or medical appropriate screening, medication or service
  • For all other services and needs as well as urgent care and hospitalizations, members have NO Network Restrictions


PHCS MULTIPLAN NETWORK


Health Savings Account Compatible

Learn More about MPB.Health Secure

MPB.Health Care Plus

The entirety  of the MPB.Health Membership - just without annual wellness or screenings.

Learn more about MPB.Health Care plus

MPB.Health Direct

The Ultimate in care. Your employees can join  a Direct Primary Care Practice and receive the personalized care that that practice offers. 


MPB.Health will complete the healthcare solution by adding all of the features of the MPB.Health membership along with:


  • 1 outside visit - up to $250 in value - Example dermatologist, etc
  • Screening Mammograms -6 month waiting - age or risk appropriate
  • Screening Colonoscopy  -6 month waiting - age or risk appropriate
  • Childhood immunizations  - 6 month waiting - up to age 16

Learn more about MPB.Health Direct

All Memberships enjoy all of the core features of MPB.Health

Concierge Member Care  - It all begins with 2 Welcome Calls that each of your employees will do on a 1:1 basis after their membership has begun.


When you or your employee calls in for assistance they are then greeted by name.


Concierge Member Care is available from 9 am - 8 pm EST Monday - Friday


The MPB.Health Concierge Team helps members to navigate their membership along with any needs that arise, navigate the healthcare system and provides cost and quality search assistance for providers, labs, medications and much more.


24/7/365 Access to Virtual Healthcare - This is not like your typical TelaDoc. 

This is ongoing care done virtually.


Medical Cost Sharing - All memberships include a Zion Health membership to contain larger costs. There are no sharing limits or lifetime maximums.


Life Care & Mental Health Services - 24/7/365 Access to virtual or live counseling for help with all of life's challenges including stress, anxiety, depression, Anger, Stress & Time Management, Job-Related Stress,Work/Life Assistance,  relationship struggles, Marital & Family Related Issues, Children & Adolescents, Grief & Loss, Alcohol & Substance Abuse and Addictions, Elder Care Concerns, Domestic Abuse, Personal development.


Up to 12 counseling sessions per person/ per year. You can often use your chosen local therapist. 


Your membership also provides you with access to COMPASS: Advanced HR Support and assistance in professional development as well as an Online Training Library: Thousands of virtual work/life trainings & ability to track progress.


Alternative Care Health Care & Useful Discounts - All members have access to significant discounts on Chiropractic, Physical and Occupational Therapy, Natural Healing, Relaxation, Massage, Acupuncture, Personal Training & Fitness, Yoga, Pilates, Tia Chi & Qi Gong, Diet and Nutrition, Weight management, Aesthetics, gifts and more.

Sneak peak HERE and HERE


Well being Platform - Members fill out an online health risk assessment which assesses diet, exercise, and lifestyle habits. The results give members tips, tools, guidance and education to help them become and stay healthy.


Personal Medical Records Vault - Medical records secure and accessible emergency profile and personal health records. Members can grant access to their Electronic Medical Records to practitioners, providers, facilities, etc. providing continuity of care. Health Tracking Family members and caregivers easily and privately record of vital health observations.


QR Life Code - Allows emergency personnel to quickly identity medical conditions and or medications you may be on which could save your life in an emergency situation.


Funeral and End of life Expenses - $10,000 Primary Member, $10,000 Dependent Spouse,$2500 Dependent Child


Groups must be 3 - 49 employees -All forms must be completed by the 10th of the month in order for the group to receive a start date of the 1st of the next month Please allow up to 5 business days for your Education and Enrollment Platform to be completed.


Groups of 50 Plus employees - Please connect with me about ICHRA arrangements and how this can be established for your organization.

Group Onboarding




    Unlimited Virtual Healthcare

    Communicate with a dedicated virtual physician within 60 seconds from phone or internet with an easy, intuitive chat interface.   

    No time limits on the visit, so you can build an ongoing relationship with a doctor you trust. Specialists available.       

    All MPB.Health members have unlimited access to Virtual Healthcare which empowers members with the ability to text, call or video chat with a doctor 24/7/365, without barriers.    


    Members can seek medical attention from Primary Care, Pediatric Care, Women's Healthcare and Behavioral Health Specialist Doctors for as long and as often as necessary, for no additional fee.    The doctors can prescribe medications for many different health issues.  


    This service is at no additional cost through a HIPAA compliant platform.


    CONVENIENCE!


    This is an awesome way to gain expert assistance without further exposing yourself or others to communicable diseases when you're not feeling well. Save significant time and money by eliminating Urgent Care or ER visits while knowing the virtual care visit is $0. 


    Unlike traditional telemedicine, Virtual Healthcare allows you to create an ongoing care solution, so you don't need to repeat your case or symptoms each time you communicate. Records are tracked for ease of care. Chronic health issues are easily managed. This is all complete with a secure and HIPPA compliant platform. 

    Need to see a Specialist?

    What happens when your Virtual Healthcare or in-person physician recommends you see a specialist, complete testing or conduct any other in- person service? Your MPB Concierge Team is with you every step of the way.

    They will do the research to find the highest quality care at a fair price for all doctors, facilities and procedures. This eliminates the research, time and guesswork on your behalf.

    MPB.Health members have access to the MPB Concierge Team 5-days a week, Monday-Friday to help you and your employees navigate your healthcare membership, provide answers to your questions, assist in finding low cost medications and much more. 

    Medical Cost Sharing Partner - Zion Health

    Overview of Zion Health

    Zion Health and Initial Unshared Amounts

    WHAT IS AN IUA?

    The Initial Unshared Amount is the out of pocket amount the member has prior to cost sharing for the NEED.  


    WHAT IS A NEED?

    A Need is the ALL of the medical expenses surrounding a new illness, accident or diagnosis.


    All qualified medical expenses after IUA is met for a NEED are shareable at 100% and without an annual or lifetime limit.  

    Members may choose from a $1,000 - $2,500 or a $5,000 IUA


    The IUA is met one time for the Need and not does not reset annually. It remains open with all medical expenses related to the Need being shared until symptom free for 12 months. 


    Members usually benefit with an IUA vs a yearly deductible. In the case of an ongoing or chronic illness or condition the member is responsible for one IUA only even if the treatment for the illness goes on for many years



    Zion Health & Alternative Medical

    Members may summit a treatment plan for alternative care per guidelines & Zion prides themselves on being able to offer this freedom of medical care to it's members


    WholeHealth Living Choices Services

    MPB.Health additionally enables members to receive 

    Discounts on 

    Acupuncture, Chiropractic, Massage Therapy

    Complementary & Alternative Medicine

    Diet & Nutrition, Food, Vitamins, Weight Management

     Accessories & Equipment, Personal Training

    Pilates, Tai Chi & Qi Gong, Yoga

    Dental, Hearing & Vision


    HSA-Usable Services: 

    Acupuncture, Chiropractic, Dental, Hearing & Vision,

    Diet & Nutrition, Physical & Occupational Therapy


    Worse Case Scenario 3 Max IUA's within a rolling year

    Any member household that experiences 3 IUA's within a membership year  may have any further medical expense fully shared  after only reaching a $500 threshold  to further protect the member

    Pre-Existing Conditions

    Pre-Existing Conditions - 24-month look-back:

    • Months 1-12: No sharing,  
    • Months 12-24: Sharing up to $25,000 
    • Months 24-36:Sharing up to $50,000,  
    • After 36 Months: Sharing up to $125,000 for the pre-existing condition.


    Exceptions for High Blood Pressure, High Cholesterol & Diabetes as long as there has not been a hospitalization for the condition  in the past 12 months and able to control through medication or diet.

    $50 Surcharge and Restrictions for Smokers over age 50

    $50 monthly surcharge per household.


    Furthermore, there is a sharing limit for smokers age 50 or more of $50,000 for Heart Conditions, Cancer, COPD & Stroke. 

    Medical Cost Sharing for Large or Catastrophic Medical Expenses

    You will work with your MPB.Health Concierge team when ever you need to seek care - or if you have a catastrophic need.   


    They will help you access quality healthcare at a reasonable cost, they will assist you in being a self pay patient. You will not be alone. You will have assistance every step of the way.  


    For larger or more catastrophic events, seek care telling the hospital or provider that you are a self pay patient that is part of a healthsharing  community. 


    You should alert the MPB.Health Concierge team as soon as possible. 

    There are NO sharing or lifetime limits

    Unless restricted by a pre-existing condition (then it is up to $125k)

    Alternative Care is often Shared

    Please visit the link below for Zion Health's guidelines

    Read the Guidelines

    Principals of Membership

    Principals of Membership

    Principals of Membership

    Spanish

    Learn more

    Maternity Guidelines

    Principals of Membership

    Principals of Membership

    Two initial unsharable amounts (IUA’s) are applied to a single maternity need.


    Pregnancies are considered pre-existing if the pregnancy start date is within the first 60 days of the membership effective date.


    IUA may be waived for a Home Birth

    Learn more

    Processing a Need

    Principals of Membership

    Processing a Need

    Spanish

    Learn more
    ZionHealth-MaternityGuide 2021 (pdf)Download

    Life Care - Including 12 Counseling Sessions Per Member Per Year

    Includes up to 12 counseling per person, per year either virtual or in person care - even  with your own local practitioner. Includes substance abuse, ongoing depression or anxiety, financial concerns, relationship problems and more.


    Life Care also provides you with Professional, light legal and assistance with community resources

    Examples of What LifeCare can do for you

      Complimentary and Alternative Med Discounts

      Members may summit a treatment plan for alternative care per guidelines & Zion prides themselves on being able to offer this freedom of medical care to it's members.Alternative medical treatments can be shared with the Zion Health Sharing community.   


      These alternatives generally should be considered safe and effective while being an alternative to a traditional treatment plan.   
      Needs may be considered shareable pending prior written approval 


      WholeHealth Living Choices Services

      MPB.Health additionally enables members 

      to receive discounts on Acupuncture, Chiropractic, Massage Therapy

      Complementary & Alternative Medicine

      Diet & Nutrition, Food, Vitamins, Weight Management 

      Accessories & Equipment, Personal Training

      Pilates, Tai Chi & Qi Gong, Yoga

      Dental, Hearing & Vision  


      HSA-Usable Services: 

      Acupuncture, Chiropractic, Dental, Hearing & Vision, Diet & Nutrition, Physical & Occupational Therapy

      The online portal is easy to access, connecting members to a discounted network of vetted alternative medicine practitioners, lifestyle products, and other products such as massage, acupuncture, chiropractic, etc.


      Members can search online for discounts and services. 

      Members will receive discounts directly to their email. Sneak Peak

      Well being Platform

      Members fill out an online health risk assessment which assesses diet, exercise, and lifestyle habits. The results give members tips, tools, guidance and education to help them become and stay healthy.

      And- More Discounts:
      NutriSystem - 50%
      Amplifon - 50%
      Zeel 15%
      And more!

      Concierge Pharmacy Resourcing and Discounting

      Prescriptions that are related to a qualified Need are also considered sharable when they are part of treatment or are curative.


      Maintenance medications are not shareable.

      Your MPB.Health Concierge team can help resource the best prices for medications if help beyond RxGo or GoodRx is needed.


      For more expensive medications we have resources who can get medications overseas to our members at a better cost. For example, high cost maintenance meds such as insulin, medicated creams, & asthma inhalers. 


      MPB.Health also helps members to access to all Manufacturer Savings Programs, Patient Assistance Programs and other savings and discounts offered by pharmaceutical manufacturers.   

      Medical Records Vault

      Secure and accessible emergency profile and personal health records. Members can grant access to their Electronic Medical Records to practitioners, providers, facilities, etc. providing continuity of care. 

      24/7 Emergency Assistance with your Personal Life Code

      24/7 Emergency Assistance with your Personal Life Code allows medical professionals instant access with a 5-digit Life Code ID 

      End of Life and Funeral Expenses

      For a Member, and/or his or her dependents, who die(s) after two years of uninterrupted Membership as a Sharing Member, financial assistance to the surviving family will be provided by the Members according to the following schedule, upon receipt of a copy of death certificate, and as listed on the Member enrollment.   


      $10,000 Primary Member, $10,000 Dependent Spouse,

      $2500 Dependent Child


      Concierge MPB Member Care

      All of these Healthcare Resources are brought together to you and your family with Conceirge Style Care. Headquartered in Florida, MPB. Health's Concierge team is there to help it's membership from 

      9 am to 8 pm EST Monday - Friday.   

      All members are requested to schedule 2 welcome calls to review and go over all that this great healthcare program offers you. Of course you can also connect with the team as you additionally require. That is what they are there for!

      Schedule a Member Welcome Call

      Your MPB.Health concierge team is there to help, every step of the way, M-F from 9-8pm EST

        You will have an an advisor who cares

        I am here to answer any questions and concerns you might have and assist if healthcost sharing is a new concept to you.  

        After your enrollment, this care will continue with the MPB.Health's Concierge Team for any need you may have.  

        You also have me as an additional resource and as your advisor and advocate.   

        You will have help every step of the way. 

        You will never be on your own.   

        Karen Torsoe "The HealthShare Lady" 

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