Ultimate Healthcare Freedom - Ultimate Member Care

• Unparalleled Medical Freedom
• Alternative as well as traditional medical
• Seek the care you want, where you want. No network restrictions.

Main features of MPB.Health:

CONCIERGE CARE - Ultimate member care , advocacy and navigation!

• You can seek the care you want, where you want. Members are not limited to any network
• Traditional as well as Alternative Care needs are shared above the members Initial Unshared Amount for any new accident, injury, or illness (IUA)
• No Annual, per member or lifetime limits
• Alternative Care requires pre authorization 
• Best Maternity plan!
• Unlimited 24/7/365 Virtual Care - A MD or a DO who will answer your call within 1 minute. 
• Medication needs can be called in as long as it isn't a controlled substance.
• Mental Health included. Each member will have access to 12 counseling sessions per member, per year. Call Concierge to set this up. You may be able to use your person.
• Acute Mental health can be handled with the Virtual Healthcare
• Alternative Care Discounts for Massage, Acupuncture, Chiropractic, etc.
• Work Life Resources
• Medical Records Vault and QR life code 
• Funeral and End of life expenses after one year of continuous membership 
• 10K primary and spouse, 2.5k for dependents
• MPB.Health is nationally headquartered in Deerfield Beach, Florida

What is the difference between insurance and this medical cost sharing solution?

• Funds belong to the community and are shared according to their sharing guidelines
• No stockholders or profit incentives not to share into expenses for their members. 
• Members have full freedom as to where and how they seek and receive care. This is huge. There are always restrictions and networks when you join an insurance program. Centers of Excellence or Specialists that you want to work with are all open to you.
• Health insurance never covers alternative care - this is the Medical Freedom option

Considerations:

• Smokers over age 50 have lifetime sharing limits of $50K for smoking related illness
• Surcharge for members that smoke or reside with a smoker - all tobacco types
• Pregnancy is considered pre-existing if occurs within 60 days of membership
• Pre-Existing condition clause: No Sharing year one, sharing up to 25K after 12 months, sharing up to 50K after 24 months, sharing up to $125K annually after 36 months
• High Blood pressure, High Cholesterol and Diabetes type 1 & 2 are not considered pre-existing conditions if there has not been any hospitalizations in past 24 months.

Difference between membership types

• CARE PLUS - Most economical. MPB.Health's main membership. Member will self pay any preventative care needs.
• DIRECT - Adds Medical Cost Sharing for most preventative healthcare needs such as Screening mammograms, colonoscopy and any childhood vaccines - included after 6 months. Plus, reimbursement of one provider visit up to $250 annually per person
• SECURE - Adds a full Healthcare insurance to the healthshare. This adds up to 64 screenings and services. This membership is Health Savings Account compatible. Available to small businesses owners, sole proprietors, members of a multi-level marketing business and 1099 recipients.