Health Access Solutions
Imagine offering your employees a healthcare solution with no network restrictions—one that provides reimbursement for medical, dental, vision, mental health, labs, fitness, nutrition, and full catastrophic coverage. And for employees who need traditional health insurance, that’s taken care of as well.
One solution. Every employee. Every situation.
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
(Co-op costs per month include preventive cost)
Any Provider - No Networks - No Prior Authorization Require
Easiest Reimbursement System Ever - No Networks
No waiting period or co-pay on preventative care and services (exception colon screenings)
* Simply take a photo of the itemized proof of payment for prompt reimbursement
* Members are reimbursed within 48-72 hours!
Doctors Visit & New - Urgent Care expenses now included
Up to $1,250 per member per year
Examples:
Use the funds for your DPC membership
Annual Wellness Exams
Well Child Exams
Gynecological Exam & Pap
Dermatological Skin Checks
Life Line Screening
New for 2027 - Urgent Care
Blood Work
Blood work Screenings: Up to $700
Suggestions:
- 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
C- Reactive Protein (CRP)
Dental Exams, Cleanings, Sealants
Dental Exam, Cleanings, X-rays, and Sealants
No Network Restrictions
Up to $250 per member - per year
Vision
Preventive Vision Exam
No Network Restrictions
Up to $250 per year - per member
Hearing
Up to $250 per member - per year
Annual Audiological Exam
Does not include hearing aids
Annual Preventive Breast Screening
Up to $1,000 per year
which could be:
Mammogram and / or Ultra Sound, MRI, Thermography breast screening and / or Ultrasound
Age 40-80
Colorectal Screenings
Up to $4,000
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
Mental Health
Nutritional Health
Physical Health
Must be a licensed therapist, social worker, psychologist or psychiatrist
Up to $3,000 per member -per year
(up to $250 monthly)
&
After cooperative deductible another 6K
Physical Health
Nutritional Health
Physical Health
Gym Membership
Yoga - Pilates, classes
Fitness Training
Kids Sports costs may be included
$250 annual maximum per member - per year
Nutritional Health
Nutritional Health
DREXI Pharmacy Discount
Weight Loss/Weight Gain Counseling
Meal Planning
Counseling for GLP -1
$750 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
Smoking Cessation
DREXI Pharmacy Discount
Smoking Cessation
Covers unlimited counseling
& cost of medication
Up to $900 per member - per year
Vaccines
DREXI Pharmacy Discount
Smoking Cessation
Up to $1,500 per member per year
Member Care
All Employer Groups have a designated account manager
Plus Employees can use their online member portal - app
or call Member Services
Monday - Friday
9am - 5pm EST
Health Access Solutions Cooperative for a Full Solution
Above and Beyond Features Of the Health Care Cooperative versus most healthshares
Waiting Period for Existing Conditions
To keep premiums low for all members, there is a waiting period for medical conditions that exist prior to joining the cooperative.
There is a waiting period for any illness or injury for which in the prior 24 months a person has been:
1. Examined.
2. Taken medications to treat or manage.
3. Had a diagnostic test performed or ordered by a health professional.
4. Received medical treatment to treat or manage.
There are certain exceptions that are not subject to a waiting period:
Depending on employee group size there are additional funds for employees with pre-existing conditions directly upon enrollment
Year 1—amount available $0 per membership toward pre-existing conditions
($10K for groups over 10, $25K with groups over 50 employees)
Year 2—$25,000 towards the pre-existing conditions
Year 3—$50,000 toward pre-existing conditions
Year 4 + - there is NO limits on pre-existing conditions
What is considered a pre-exisiting condition
• Conditions are regarded as cured if more than 24 months ago and that did not require treatment or medication in the last 24 months.
• High blood pressure, high cholesterol, and diabetes are not considered pre-existing if managed by medication and/or diet and exercise
or for which hospitalization has not been required in the previous 12 months.
• Cancer that has been in full remission for a minimum of 6 years for which all appropriate scans or tests have been done and are negative.
• Maternity is subject to the waiting period when expected delivery is within 5 months of enrolling
Additional Protections for every member
- 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 this annual limit further protects 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
Adding on Dental & Vision
Minimum of 3 employees needed
Costs can be payroll deducted
Can be added at any point after group enrollment
Contact me for more information
NeGwThis 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
- New Group Enrollment Form
