Medical Health Cost Sharing
You are entering a new paradigm in how you will think about and pay for your healthcare costs.
Once you have entered this mind space your will never go back.
Things will be much simpler, but you will need to learn a few new things...
Are your ready?
Health Cost Sharing has a 50 Plus Year History
Healthcost Sharing has been around for over 40 years, growing in popularity over the last decade due to its:
- Low cost
- Ease of use
- Common sense sharing guidelines
Millions of people are using health cost sharing as their healthcare solution.
Each Health Cost Sharing Community is Somewhat Unique
- Each community has their own sharing guidelines.
- This is how you can expect sharing of all expenses to occur.
- I work with the highest rated healthshare and even some insurance options
Can I join these types of solutions if I have a pre-existing condition?
- The healthshares I work with will gradually share in costs associated with a pre-existing condition on a graduated basis. No sharing on the pre-existing for year 1, up to $25k after month 12, up to $50k after 24 months and up to $125K annually thereafter.
- I do not use, nor are limited to, any one resource. I have my tool box of resources and I try to understand the needs of each person I speak with and tailor my suggestions accordingly to create the best possible solution for that member.
- Some people are concerned that they may have a pre-exisitng condition that might exclude them from even bothering to explore this route. I am happy to tell you that Diabetes 1 & 2, High blood pressure and High cholesterol are not considered pre-existing conditions as long as you have not been hospitalized in the last 2 years for these diagnosis.
- However smoking adds on an additional monthly share cost of $50 and there are severe sharing restrictions on smoker over age 50. This includes all forms of smoking and vaping.
All of my members are VIPs
All Healthshare memberships will have my support as well as support via the community they join. You will never be alone. You will have assistance every step of the way. You will have a foundation of support and resources unparalleled in the industry.
How is this different from traditional insurance?
There are two huge benefits I want to highlight. With the Healthshare solutions I work with, you will not have any network restrictions for any new accident, illness or injury. This is a game changer!
Let's say you find out you have a heart issue that can be best treated by a specialist across the country, you can use them. I myself am in need of a surgery and will be going to California for that surgery. This excellent physician would have never been in any network I would be in (as I live in Florida) had I had typical insurance as a resident of Florida. Because I am a healthshare member myself I can access this top doctor for my surgery and I will only pay my initial unsharable amount (1k) and then all expenses above that will be shared. I am thrilled.
I have many members who are members of a Direct Primary Care practice (Don't know what that is - click here and here). For these members I have amazing solutions that can pair with their membership and expected needs for outside of that practice as well as hospitalizations and catastrophic protection.
Lastly, Imagine that you have a diagnosis such as cancer. I would never want to be in a position where my choices were limited as to who I can see as a healthcare provider or how I want my cancer treated. If that is important to you as well, I will show you the resources you will want to have.
What if my needs change?
Then we reassess and choose something different! Nothing is forever and as your healthcare advisor, I never want to sell you something that you do not need. I pride myself of saving you money! Everything is month to month and as resources change I might reach out with new resources for you. I am more of an advisor and a navigator than a broker. Hopefully that makes sense.
What does IUA mean?
I spoke before about how I am going to have a surgery and I will have to pay One IUA for that.
IUA means Initial Unsharable Amount. This is the amount that you will contribute towards your new medical issue prior to the cumulative bills being shared. This applies only to new illnesses and accidents. Preventative features depend on which membership type you have.
During our conversation we can also talk about DPC memberships: what they are and how to find them. Solutions that include reimbursement for a DPC. Pharmacy cost resources, lab resources, Mental health and counseling resources and more.
I am looking forward to meeting you and helping you, your family and or your small business.
YES - everything I do can also be created for your business and employees!
