Health Access Solutions

Health Access Solutions Preventative

Imagine a healthcare solution with no network restrictions—where you have the freedom to choose your providers and get reimbursed for a wide range of services.

From healthcare visits, dental, vision, and mental health counseling to lab work, gym memberships, fitness classes, and nutritional programs, this solution is designed to support your total well-being.

Enjoy the flexibility and peace of mind that comes with a membership focused on your health, your choices, and your lifestyle!

Health Access Solutions Cooperative

Bundled with the Health Access Solution's Preventative Membership, the Health Access Cooperative provides a comprehensive healthcare solution.

Members can choose their event deductible and benefit from a 2 active event exposure (compared to 3 with most health shares), along with annual out-of-pocket limits for added financial protection. This structure ensures greater security and predictability while maintaining the flexibility of a health-sharing model.

Schedule a complimentary call

The Ultimate Healthcare Solution for a Business

Health Promoting Care

Imagine.....

Simply snapping a photo of the itemized proof of payment for an eligible healthcare expense or health promoting care &

being reimbursed within 48 hours!

Total freedom oriented!

Comprehensive Health Care

Member Owned - Transparent

No restrictive networks

Employees choose own Initial Responsibility Amount

for any new accident, illness, injury

No Annual Limits

No Lifetime Limits

Alternative Medical Friendly

Generous phase for pre-existing condition

World Wide Protection

Text SEND Co-Operative HealthCare Guide

for details and review to

845-641-9123

Flexibility for Best Solutions

If one of your employees has a high needs family member and would be best served with an ACA plan, this can be accommodated for.

Employer Direct Billing

Once an Employer Direct Billing relationship has been established, the employer will receive a monthly invoice.

This then allows the employer to contribute what they desire to the employee and payroll deduct the remainder.

ICHRA Option

Employer Direct Billing

Establishing an ICHRA allows a company the ability to be entirely flexible in its employee options.

If some of your employees do not fit the Healthcare cooperative model then this would allow you the ability to offer them a set amount of funds towards another solutions. This is a feature that can be turned "on" at anytime once an Employer account is established.

Requires a one time set up fee

Tax Deductible

Employer Direct Billing

Tax Deductible

Set up fees are tax deductible to the business
Memberships costs are partially tax deductible:
$107 for employee only,
$140 Employee / Spouse,
$120 for Employee/Children
$250 for Employee/ Family

Next Level Member Care

Monday - Friday
9am - 5pm EST

Above and Beyond Features Of the Health Care Cooperative versus the most healthshares

Pregnancy eligible with 1 Deductible (as long as due date is 5 months off)
Up to $3,000 in fertility benefits (testing and hormone treatment)
An annual out-of-pocket maximum cap of $4,000 for individuals and $8,000 for families for eligible member expenses outside of a health incident
- Compares to no protection currently against these middle-ground expenses
No cap on member-related expenses for existing conditions in after 36 months of membership
- Compares to maximum allowable for pre-existing conditions after phase in with healthshares
Depending on employee group size there is a per person for pre-existing conditions upon enrollment
$6,000 member benefit for mental health services - The members deductible would apply first. After that an additional $6K is available which then totals to $9K annually per person in membership
A separate $6,000 member benefit for substance abuse treatment
New advocacy support and access to top specialist for your unique health circumstance

What is DPC?

Locating a DPC Practice

DPC stands for Direct Primary Care.

DPC's are similar in concept to Concierge Medical practices.

Learn More

Locating a DPC Practice

How can I find a DPC practice by me?

Click here to search your area

(DPC Membership costs additional)

Find a DPC

DPC Reimbursement

Locating a DPC Practice

DPC Reimbursement

Reimbursement Monthly

Memberships with DPC option

Individual $70/month

Couple $140/month

Adult & Child(ren) $120/month

Family $160/month

Health Promoting Reimbursable Services in detail

2024 Preventive Reimbursement Benefit Maximums and Eligible Services

No waiting period or co-pay on preventative care and services

Annual Wellness Exams

(up to three per person/ per calendar year)

Well Child Exams

Gynecological Exam (well woman visit aged 21 and over)

Pap Smear lab charge not considered as a visit (for members of DPC)

Annual Preventive Breast Screening:

Mammogram and / or Ultra Sound,

MRI

Thermography breast screening and / or Ultrasound

Age 40-80

Annual Dermatological Skin Checks after age 40

LifeLine Screening

Colorectal Cancer Screening*

Age range: 45 - 80 (covered from age 40 if 1st degree relative has positive history of colon cancer)

Screening Type:

Colonoscopy or Procto/Sigmoidoscopy every 5 years*

Cologuard every 3 years

Subject to a 6 month waiting period

Blood work Screenings:

- Lipid Panel (Cholesterol and triglycerides)

- Comprehensive Metabolic Panel (CMP)

- Complete Blood Count (CBC) with differential test

- Thyroid Panel TSH (Thyroid Stimulating Hormone) with reflex to T4 if abnormal

- Routine Comprehensive Urinalysis (UA)

- Hemoglobin A1C (HgbA1C)

- Vitamin D Level

PSA for men age 50-75 (or age 40 with positive family history)

C- Reactive Protein (CRP) with positive family history

USE ULTALAB to SHOP and Get Reimbursed

BloodWork does not count as one of your 3 visits and is eligible 1x per person/ per year

Bone Density Screening Post-menopausal women, every 2-3 years

Reimbursement max of $4,500 per member - per year

Vision

Preventive Vision Exam

No Network Restrictions

Up to $250 per year - per member

Dental Exams, Cleanings, Sealants

Dental Exam, Cleanings, X-rays, and Sealants

No Network Restrictions

Up to $250 per member - per year

Mental Health

Nutritional Health

Physical Health

Must be a licensed therapist, social worker, psychologist or psychiatrist

Online Examples:

Psychology Today Online Therapist

Cerebral.com

7Cups.com

Up to $3,000 per member - per year

After cooperative deductible another 6K

Physical Health

Nutritional Health

Physical Health

Gym Membership

Yoga - Pilates, classes

Fitness Training

On-line membership examples:

Apple Fitness

LesMills

FitFusion

$250 annual maximum per member - per year

Nutritional Health

Weight Loss/Weight Gain Counseling

Meal Planning

Top Online Suggestions:

Optivia

Psychology Today Weight Loss

OnPoint Nutrition

$500 annual maximum per member -per year

DREXI Pharmacy Discount

Drexi is a pharmacy benefit manager (aka PBM) that gives pass-thru pricing on prescriptions through a premier nationwide network of 65,000+ pharmacies.

Deeper Discounts on Mail Order

Learn More

Smoking Cessation

Covers counseling, cost of medication, hypnotherapy, cessation program

Examples:

CBQMethod

ThumbTack

Up to $500 per member - per year

Co-operative Deductible Protection

Up to $4,000 annually on 3rd Deductible (documentation must be submitted for review)

Plus, Cooperative Membership protects against multiple smaller expenses experienced throughout the year. 4K individually/ 8K family.

Chiropractic and Acupuncture

Co-operative Deductible Protection

Cooperative members

After deductible:

Acupuncture

Up to 15 sessions per year

Chiropractic

Up to 35 sessions /$7.5K

Healthcare Options

Chiropractic and Acupuncture

Healthcare Options

Open to Alternative care treatments for medical issues with pre-approval.

This is a huge advantage for self determination of treatment options when facing a medical issue over traditional insurance.

Furthermore - you may seek the provider of your choice. There are no restrictive networks.

Birthing Options

Chiropractic and Acupuncture

Healthcare Options

Open to Home Births, Birthing Centers, Douala/ Midwife Assisted etc.

with pre-approval.

Pregnancy subject to one deductible. Pregnancies with at least a 5 month off due date are eligible.

HSA Eligiblity Add On with TeleHealth and More!

Minimum Essential Coverage:

Access to annual preventive care screenings that comply with Affordable Care Act (ACA) standards.

Health Savings Account (HSA) Compatibility: HSAs enable you to contribute pre-tax dollars towards future qualified medical expenses.

Telehealth:

On-demand virtual medical care, connecting you with your primary, pediatric, women's health, and behavioral health board-certified physicians, via text-based chat first. If needed, you can switch to a video call for a more in-depth consultation. $0 Unlimited Access!

Address general medical questions
Address women’s health concerns
Address mental health concerns
Manage chronic conditions
Discuss your test results
Get refills for prescriptions (with some exceptions)
Address urgent care needs*

* Telehealth may not be suitable for emergency situations.

Mental Health Counseling

Virtual, face-to-face, or telephonic sessions with a counselor. $0 Up to 12 sessions, per member, per year with a 2-month break between each block of 4 (CA limits to 6 sessions per member, per year).

Access to additional resources: Childcare, legal, financial, support groups, housing, etc.
Elder Care & Financial: Telephonic consulting, tailored eldercare counseling & resources, plus financial wellness counseling provided by experts in their field.
Online Training Library: Thousands of virtual work/life training and the ability to track progress.
Access to Compass: Advanced HR support and assistance in professional development.
Access to Impact Suite App: An App for personal growth and healing.

MPB Concierge

Our MPB Concierge team is focused on supporting and guiding you every step of the way through your health care journey, so you can make informed decisions.

Get Help

Finding the fairest priced medications, as well as where to purchase them.
Finding providers and facilities with the highest quality of service at the fairest prices.
Finding the best labs and facilities at the fairest price.

Qr LifeCode

In a medical emergency first responders can access your Medical Records Vault through your QR LifeCode Five-digit ID code.

Medical Records Vault

Allows you to securely store your medical records.

Discounted Supplements & Wellness Products

Get access to high-quality supplements at fair prices, backed by features that help you

stay on track with your wellness goal.

Debt Dismissal Program

Helps qualifying members reduce or eliminate eligible medical debt from participating hospitals and healthcare providers

Monthly Costs

Annual Membership - $25.00 per Year

Enrollment - $100.00 one-time - Waived for groups of 3 plus

Employee Only - $125 per month

Employee Plus Spouse - $160 per month

Employee Plus Child(ren) - $160 per month

Employee Plus Family - $195 per month

Enroll in MEC Plus

Employee Groups - Three Employees or More