Health Access Solutions Preventative - The Core
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!
Preventative Benefits for all Employees
- All employees will be covered with a robust preventative healthcare package
- No provider networks - they can choose!
- They will simply take a photo of the itemized proof of payment for an eligible expense and upload it to their member portal.
- Members are reimbursed withing 48-72 hours!
Benefits for Employers
- All administrative healthcare solutions for your employees are taken care of
- One time set up fee of $500. This is a tax free business expense.
- Health Access Solutions will invoice you with a list bill per your payroll schedule.
- As an employer you are responsible for a minimum of $124 monthly
- All of your employees will benefit from the Preventive Core Program
- This employer contribution is a business expense
The employee will pair their preventative core with:
- Health Access Solutions Healthcare Cooperative - Ideally!
Or...
- A spouses insurance that they are part of
- A health insurance they are on with parents
- Medicare
- Medicaid, etc
- All options 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
Employer Direct Billing
Employer Direct Billing
Employer accounts include an ICHRA option. If some of your employees choose or need to have traditional insurance this can be supported.
Health Access Solutions has access to all of the market place plans.
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
Monthly Costs with DPC Reimbursement option
Membership Cost with No DPC reimbursement option
All Eligible Employees will have this base:
2025 Preventive Reimbursement Benefit Maximums and Eligible Services
No waiting period or co-pay on preventative care and services (exception colon screenings)
Simplest Healthcare Reimbursement Ever!
* No Provider Networks - Ultimate in freedom!
* Simply take a photo of the itemized proof of payment for prompt reimbursement
* Members are reimbursed withing 48-72 hours!
Examples of Eligible Visits
(up to three per person/ per calendar year - up to 4.5k per person)
Annual Wellness Exam
Well Child Exams
Gynecological Exam (well woman visit aged 21 and over)
Pap Smear lab charge is included with gyn visit
Annual Preventive Breast Screening - which could be:
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
All Colon screening subject to a 6 month waiting period
Plus everyone may have annual
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
DREXI Pharmacy Discount
Weight Loss/Weight Gain Counseling
Meal Planning
Top Online Suggestions:
$500 annual maximum per member -per year
DREXI Pharmacy Discount
DREXI Pharmacy Discount
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
Member Care
DREXI Pharmacy Discount
Smoking Cessation
Monday - Friday
9am - 5pm EST
Easy to use online Member Portal
Easy and quick reimbursement
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)
Some of the features included with Health Access Solutions Cooperative
Monday - Friday
9am - 5pm EST
Above and Beyond Features Of the Health Care Cooperative versus the most healthshares
- 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
- If a third event occurs which exceeds chosen deductible , it will be paid at dollar one.
- 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
- New advocacy support and access to top specialist for your unique health circumstance
- A 2 active event exposure (lowest in industry) along with with annual out-of-pocket limits for added financial protection.
- If several medical expenses occur that are not reimbursable otherwise, exposure is limited to 4k annually for an individual member and and 8k for a family. All eligible expenses above that are shared as a second method to protecting the member.
Healthcare Options
Additional Mental Health
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 - recall that you may seek the provider of your choice. There are no restrictive networks.
Birthing Options
Additional Mental Health
Healthcare Options
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)
Open to Home Births, Birthing Centers, Douala/ Midwife Assisted etc.
with pre-approval.
Additional Mental Health
Additional Mental Health
Chiropractic and Acupuncture
An additional $6,000 member benefit for mental health services - this is in addition to the $3,000 available on the preventative side.
The members deductible would apply first. After that an additional $6K is available which then totals to $9K annually per person in membership
Chiropractic and Acupuncture
Chiropractic and Acupuncture
Chiropractic and Acupuncture
Cooperative members
After deductible:
Acupuncture
Up to 15 sessions per year
Chiropractic
Up to 35 sessions /$7.5K
Pre-existing Conditions
Chiropractic and Acupuncture
Pre-existing Conditions
High blood pressure, High Cholesterol, Type 1 and 2 diabeties are not considered as a pre- existing condtion as long as there has not been any hospitalizations surrounding this diagnosis in the last 2 years
Worldwide Protection
Chiropractic and Acupuncture
Pre-existing Conditions
All US residents protected as if they were in the USA, should an event occur. Expenses will need to be translated into USD and into english.
Dental & Vision
- There are two plan options for you to choose from, with annual benefit maximums of $1,500 or $2,500.
- Because this is a Co-op membership and not insurance, it requires post-tax payroll deductions rather than pre-tax. However, we believe the enhanced benefits significantly outweigh this detail.
- A minimum of three primary members is required to participate. Dependents are not counted toward this number.
- All employees must be in either the $1,500 plan or the $2,500 plan
Dental
Added to the $250 already provided
- There are two plan options for you to choose from, with annual benefit maximums of $1,500 or $2,500.
- Both options reimburse 100% for preventive dental expenses.
- Both options reimburse 95% for non-preventive dental expenses, including orthodontics.
- Both options will pay the dentist directly as needed to help avoid any cash flow concerns s needed.
- As always - like all HAS features - no network restrictions
Vision
Added to the $250 already provided
- There are two plan options for you to choose from, with annual benefit maximums of $1,500 or $2,500. Vision feature is only with $2,500 plan
- On the $2,500 plan, members can also use up to $200 annually towards:
- Vision exam costs
- Lenses and frames
- Contact lenses
- As always - like all HAS features - no network restrictions
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
- 845-641-9123om Meeting to discuss
