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
(Review Cooperative Guide Below)
Flexibility for Best Solutions
If one of your employees—or even a family member—would be better served by an ACA plan, that can be seamlessly accommodated. This flexibility lifts the burden from the employer to source individual plans for unique needs, while still offering a robust suite of preventive wellness benefits rarely seen—delivered with no network restrictions.
Employer Direct Billing
Employer Direct Billing
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
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
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
- Provides protection currently against multiple 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
All memberships - Health Promoting Reimbursable Services
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
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
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:
$250 annual maximum per member - per year
Nutritional Health
Nutritional Health
Nutritional Health
Weight Loss/Weight Gain Counseling
Meal Planning
Top Online Suggestions:
$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
Co-operative Deductible Protection
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
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.
Memberships with DPC Reimbursement
Reimbursement Monthly
for any DPC
Individual $70/month
Couple $140/month
Adult & Child(ren) $120/month
Family $160/month
What is DPC?
DPC stands for Direct Primary Care.
DPC's are similar in concept to Concierge Medical practices.
Locating a DPC Practice
Locating a DPC Practice
How can I find a DPC practice by me?
Click here to search your area
(DPC Membership costs additional)
All Memberships include a generous monthly reimbursement allowance
Reimbursement Monthly
for any DPC
Individual $70/month
Couple $140/month
Adult & Child(ren) $120/month
Family $160/month
What is a DPC?
DPC stands for Direct Primary Care.
DPC's are similar in concept to Concierge Medical practices.
Find a DPC
How can I find a DPC practice by me?
Click here to search your area
(DPC Membership costs additional)
Contact me for more information
This membership will include my assistance along with member services.
Preventative Health Reimbursement and Member Owned Healthcare Co-operative
- Western and alternative medical expenses. No Networks. World wide protection.
- No physician, healthcare provider or center of excellence will be out of network
- Member Support - office hours Monday - Friday EST
- Zoom Meeting to discuss
