INCLUDES LIMITED PREVENTATIVE CARE
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
MPB.Health Direct Primary Care Members choose an IUA of $1000, $2500, or $5000.
The Initial Unshared Amount is the out of pocket amount that the member contributes for a new accident, injury or illness resulting in health and medical expenses.
The initial Unshareable Amount (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 health and medical bills become shareable with the community.
The IUA model protects the MPB.Health member when large medical events occur.
Member households are only responsible for up to 3 IUAs in any rolling 12-month period.
MPB.Health Members usually benefit with an IUA vs a yearly deductible
All eligible health and 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.
IUAs are calculated per need, which means they only need to be paid once per condition. This includes ALL of the health and 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 MPB.Health member no longer contributes to the need and further health and medical expenses are shared 100 percent by the community.without a maximum annual or lifetime cap.
A new need would only be opened once a member has been treatment-free for 12 months. This allows for extensive sharing of all health and medical expenses over the chosen IUA.
MPB.Health 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 health and medical needs between the months of April and September, any additional needs would not be subject to the IUA until the following April.
To further protect the MPB.Health member, Any forth or further medical expense is fully shared after only reaching a $500 threshold.
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.
Exceptions for High Blood Pressure, High Cholesterol & Diabetes as 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 monthly surcharge per household. Member must be smoke free 12 months to be considered a non smoker. All tobacco types included.
There is a sharing limit for smokers age 50 or older:
$50,000 for Heart Conditions, Cancer, COPD & Stroke.
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
Communicate with a dedicated virtual physician within 60 seconds from phone or computer 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 MPB.Health members with the ability to text, call or video chat with a doctor 24/7/365, without barriers.
MPB.Health 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.
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 your request.
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 component of the member assistance program.
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 additionally enables members to receive discounts on Acupuncture, Chiropractic, Massage Therapy, Zeel - 15%,
Complementary & Alternative Medicine
Diet & Nutrition, Food, Vitamins, Weight Management,
Accessories & Equipment, Personal Training,
Pilates, Tai Chi & Qi Gong, Yoga, Dental, Hearing & Vision,
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.
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.
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.
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 allows medical professionals instant access with a 5-digit Life Code ID
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
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!
MPB.Health - DIRECT Membership is offered exclusively to DPC members
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"
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