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Direct Membership

May be combined with a Direct Primary Care Practice (optional)

Enroll Now

Limited Preventative Care

MPB.Health Overview

Included in Your Membership

  • 1 Outside Visit - up to $250 in value - No waiting period applies
  • Screening Mammography after age 50
  • Screening Colonoscopy after age 45
  • Childhood Immunizations up to age 16
  • 6 month waiting period applies for preventative
  • No network restrictions


  • Medical Cost Sharing - No sharing limits or lifetime maximums
  • MPB.Health's Care Concierge Team
  • Unlimited Virtual Healthcare 24/7/365
  • Member Assistance Plan with up to 12 counseling sessions per person / per year - virtual or in person counseling, light legal assistance, professional & personal development
  • Pharmacy Benefit Plan & Resourcing Concierge Service
  • Alternative Care Healthcare Discounts on Chiropractic, Acupuncture, Massage, Physical Therapists, etc.
  • Personal Medical Records Vault QR Life Code
  • Well being Platform
  • End of Life and Funeral Expenses


If you would like to combine MPB.Health with a separate membership in a Direct Primary Care (Optional add on) you may use this search button below 


Locate a DPC (membership based care) practice

Medical Cost Sharing Partner - Zion Health

Initial Unshared Amount Options (IUA)

Choice of $1000, $2500, or $5000.

What is an IUA?

The Initial Unshared Amount is the out of pocket amount, or the member responsibility amount,  hat the member has chosen to pay up to for their own medical needs.

The initial Unshareable Amount (abbreviated to IUA).

Instead of having to meet a high deductible, then paying coinsurance for the remainder of their medical bills, members pay their IUA of either $1,000, $2,500, or $5,000, then 100% of their remaining eligible bills become shareable with the community.

The IUA model protects the member when large medical events occur.

Member households are only responsible for up to 3 IUAs in a 12-month period. Instead of resetting each calendar year, the 3-IUA limit begins in the month of the first need. For example, if a family experiences three medical needs between the months of April and September, any additional needs would not be subject to the IUA until the following April.

Members usually benefit with an IUA vs a yearly deductible

All qualified medical expenses after IUA is met are shareable  at 100% and without an annual or lifetime limit.    

The IUA is met one time for the Need and does not reset annually.  It remains open with all medical expenses related to the Need being shared  until symptom free for 12 months.  

What is a Need?

IUAs are calculated per need, which means they only need to be paid once per condition. This includes ALL of the medical expenses surrounding a new illness, accident or diagnosis.

Complications and follow-up treatments for a single condition are considered a part of the same need and are not subject to an additional IUA.

Once the total expenses for any new need exceed the Initial Unshared Amount, the member no longer contributes to the need and further medical expenses are shared by the community.

A new need would only be opened once a member has been treatment-free for 12 months.

Worse Case Scenario 3 Max IUA's within a rolling year

Member households are only responsible for up to 3 IUAs in a rolling 12-month period.

Instead of resetting each calendar year, the 3-IUA limit begins in the month of the first need. For example, if a family experiences three medical needs between the months of April and September, any additional needs would not be subject to the IUA until the following April.


Any member household that experiences 3 IUA's within a rolling 12 month period may have any further medical expense fully shared after only reaching a $500 threshold  to further protect the member

Pre-Existing Conditions

Pre-Existing Conditions - 24-month look-back: a pre-existing condition is considered if you have had symptoms of, been diagnosed with, or been treated for this condition within the past 24 months.

  • Months 1-12: No sharing,  
  • Months 12-24: Sharing up to $25,000 
  • Months 24-36:Sharing up to $50,000,  
  • After 36 Months: Sharing up to $125,000 for the pre-existing condition.


Exceptions for High Blood Pressure, High Cholesterol & Diabetesas long as there has not been a hospitalization for the condition  in the past 12 months and able to control through medication or diet.

$50 Surcharge and Restrictions for Smokers over age 50

$50 monthly surcharge per household.
Furthermore, there is a sharing limit for smokers age 50 or more of $50,000 for Heart Conditions, Cancer, COPD & Stroke. 

There are NO sharing or lifetime limits

Unless restricted by a pre-existing condition (then it is up to $125k)

Alternative Care is often Shared

Please visit the link below for the most up-to-date guidelines

Read the Guidelines

Principals of Membership

Principals of Membership

Principals of Membership

Spanish

Learn more

Maternity Guidelines

Principals of Membership

Principals of Membership

ONE initial unsharable amounts (IUA’s) are applied to a single maternity need.


Pregnancies are considered pre-existing if the pregnancy start date is within the first 60 days of the membership effective date.


IUA may be waived for a Home Birth

Learn more

Processing a Need

Principals of Membership

Processing a Need

Spanish

Learn more
ZionHealth-MaternityGuide 2021 (pdf)Download

Continuity of Care - Unlimited 24/7/365 Virtual Healthcare

Communicate with a dedicated virtual physician within 60 seconds from phone or internet with an easy, intuitive chat interface.   

No time limits on the visit, so you can build an ongoing relationship with a doctor you trust. Specialists available.       

All MPB.Health members have unlimited access to Virtual Healthcare which empowers members with the ability to text, call or video chat with a doctor 24/7/365, without barriers.    


Members can seek medical attention from Primary Care, Pediatric Care, Women's Healthcare and Behavioral Health Specialist Doctors for as long and as often as necessary, for no additional fee.    The doctors can prescribe medications for many different health issues.  


This service is at no additional cost through a HIPAA compliant platform.


CONVENIENCE!


This is an awesome way to gain expert assistance without further exposing yourself or others to communicable diseases when you're not feeling well. Save significant time and money by eliminating Urgent Care or ER visits while knowing the virtual care visit is $0. 

Unlike traditional telemedicine, Virtual Healthcare allows you to create an ongoing care solution, so you don't need to repeat your case or symptoms each time you communicate. Records are tracked for ease of care. Chronic health issues are easily managed. This is all complete with a secure and HIPPA compliant platform. 


Your care will be communicated to your Direct Primary Care upon yo9ur request

Life Care - Including 12 Counseling Sessions Per Member Per Year

Includes up to 12 counseling per person, per year either virtual or in person care - even  with your own local practitioner. Includes substance abuse, ongoing depression or anxiety, financial concerns, relationship problems and more.


Life Care also provides you with Professional, light legal and assistance with community resources.


This is just one feature of the Member Assistance Program! Learn more here.

Video Overview on the MAP Program

Examples of What LifeCare can do for you

    Complimentary and Alternative Med Discounts

    Members may summit a treatment plan for alternative care per guidelines & Zion prides themselves on being able to offer this freedom of medical care to it's members.


    Alternative medical treatments 

    can be shared with the Zion Health Sharing community.   

    These alternatives generally should be considered safe and effective while being an alternative to a traditional treatment plan.   


    Needs may be considered shareable pending prior written approval

    MPB.Health Members Whole Life Living Choices

    WholeHealth Living Choices

    MPB.Health additionally enables members to receive discounts on Acupuncture, Chiropractic, Massage Therapy, Zeel - 15%, 

    Complementary & Alternative Medicine

    Diet & Nutrition, Food, Vitamins, Weight Management, NutriSystem 50%

    Accessories & Equipment, Personal Training, 

    Pilates, Tai Chi & Qi Gong, Yoga, 

    Dental, Hearing & Vision, Amplifon - 50%


    HSA-Usable Services: 

    Acupuncture, Chiropractic, Dental, Hearing & Vision, Diet & Nutrition, Physical & Occupational Therapy. 


    The online portal is easy to access, connecting members to a discounted network of vetted alternative medicine practitioners, lifestyle products, and other products. Members can search online for discounts and servicel. Sneak Peak 

    MPB.Health Pharmacy Concierge Program

    Concierge Pharmacy Resourcing and Discounting

    Prescriptions that are related to a qualified Need are also considered sharable when they are part of treatment or are curative.


    Maintenance medications are not shareable.

    Your MPB.Health Concierge team can help resource the best prices for medications if help beyond RxGo or GoodRx is needed.


    For more expensive medications we have resources who can get medications overseas to our members at a better cost. For example, high cost maintenance meds such as insulin & asthma inhalers. 


    MPB.Health also helps members to access to all Manufacturer Savings Programs, Patient Assistance Programs and other savings and discounts offered by pharmaceutical manufacturers.   

    Medical Records Vault

    Secure and accessible emergency profile and personal health records. Members can grant access to their Electronic Medical Records to practitioners, providers, facilities, etc. providing continuity of care. 

    24/7 Emergency Assistance with your Personal Life Code

    24/7 Emergency Assistance with your Personal Life Code allows medical professionals instant access with a 5-digit Life Code ID 

    End of Life and Funeral Expenses

    For a Member, and/or his or her dependents, who die(s) after two years of uninterrupted Membership as a Sharing Member, financial assistance to the surviving family will be provided by the Members according to the following schedule, upon receipt of a copy of death certificate, and as listed on the Member enrollment.   


    $10,000 Primary Member, $10,000 Dependent Spouse,

    $2500 Dependent Child


    Learn more

    Concierge MPB Member Care

    All of these Healthcare Resources are brought together to you and your family with Conceirge Style Care. Headquartered in Florida, MPB. Health's Concierge team is there to help it's membership from 

    9 am to 8 pm EST Monday - Friday.   

    All members are requested to schedule 2 welcome calls to review and go over all that this great healthcare program offers you. Of course you can also connect with the team as you additionally require. That is what they are there for!

    Schedule a Member Welcome Call

    MPB.Health - DIRECT Membership is offered exclusively to DPC members

      You will have an an advisor who cares

      You will have an an advisor who cares

      You will have an an advisor who cares

      I am here to answer any questions and concerns you might have and assist if healthcost sharing is a new concept to you.  

      After your enrollment, this care will continue with the MPB.Health's Concierge Team for any need you may have.  

      You also have me as an additional resource and as your advisor and advocate.   

      You will have help every step of the way. 

      You will never be on your own.   

      Karen Torsoe "The HealthShare Lady" 

      Schedule a Call

      Enroll Now in MPB.Health DIRECT

      You will have an an advisor who cares

      You will have an an advisor who cares

      Ready to join MPB.Health's DIRECT Membership


      You may join up to the 20th of any month.

      Your membership will then begin the first of the next month.

      Direct Billing to your Business or Personal Account


      Real time Enrollment Assistance by scheduling HERE

      Enroll Now in MPB.Health DIRECT

      Downloads

      Pros and Cons of MPB.Health (pdf)Download


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