MPB Health, also known as MPowering Benefits, presents an invaluable and robust suite of healthcare, mental health, and life care resources, complemented by a dedicated concierge service—an ultimate support system for individuals, families, or business employees.
Incorporating the industry's finest and most comprehensive solutions, MPB's community comprises freedom-focused, health-minded individuals seeking to break free from the conventional healthcare status quo.
MPB.Health grants you far more options than traditional insurance
In contrast to traditional insurance, MPB.Health offers unprecedented options, delivering a level of freedom beyond network-based plans. Unlike its counterparts, MPB.Health opens doors to any provider or center of excellence, unrestricted by networks. The flexibility extends to alternative care treatments, including medical tourism.
Insurance versus Medical Cost Sharing
Contrasting Insurance and Medical Cost Sharing, distinguishes itself through a community philosophy and versus an insurance model based upon stockholder profit. Members contribute a set dollar amount per month, adjusted annually based on the true cost of the community's medical expenses.
Members can direct their own care, see who they want and top specialists across the country are even within reach! Plus there are no lifetime or annual limits for any new accident, illness or injury.
When we talk I will assist you with determining your best solution. Currently I am recommending the Care Plus Membership from MPB Health and adding on a comprehensive package of health promoting care as needed (See ultimate package below). This is available for all states and the preventative add on is even tax deductible if you are a sole proprietor or business.
With MPB.Health, members can tailor their membership based on their anticipated needs for preventative screenings and services as well as tailoring their financial responsibility before costs are shared. This proactive approach empowers individuals to absorb their own expenses up to their chosen financial level, with costs incurred above that, shared without annual or lifetime limits.
This solution welcomes all including domestic partnerships or same sex couples, grandparents with guardianship or foster situations.
Medical Cost Sharing is the ideal fit for most individuals.
Hypertension, high cholesterol, and diabetes 1 and 2 as non-pre-existing conditions, provided there have been no hospitalizations in the last two years.
All other pre existing conditions are subject to an eligibility phase in period and are then shared up to $25k after the first 12 months and then up to $50k after 24 months and $125 annually thereafter.
Mental health resources are readily available without pre existing restrictions.
While tobacco users over 50 face sharing limitations, and the maternity program is unparalleled—please refer to the maternity guidelines for details.
Ready to find out if there would be a solution that would be the perfect fit for you?
Schedule a personalized 1:1 consultation to explore how our revolutionary approach to health and wellness, combined with transparent cost-sharing, can transform your life.
MPB Health - MPowering Benefits
MPB Health Membership Overview
What is an IUA
Employer Based Memberships
Takes burden off of you as the employer
Tax Credits and Tax deductions
Freedom for your employees to choose best suited membership
Maximizing Savings
MPB Health Solutions
Take advantage of your free no obligation zoom call to see if MPB Health could be a good fit for you and your business
Establishing your MPB Health Employer Plan
MPB Health Memberships
PREMIUM CARE
ALL FEATURES OF MPB HEALTH
PLUS
Preventative Care Services Included:
$600 towards screening mammogram*
$2,500 towards screening colonoscopy*
*6 month waiting period and age appropriate
Maternity requires 6 months prior to conception
Medical Cost Sharing Guidelines
3 Year pre-existing condition look back
Change Current Membership to Premium Care
Not available in: WA, VT, PA, NM, CA, MD, MT, FL
PREMIUM HSA
ALL FEATURES OF MPB HEALTH
PLUS
A FULL PREVENTATIVE ACA INSURANCE
SEARCH THE PHCS MULTIPLAN NETWORK
Health Savings Account Eligible
HUNDREDS OF DRUGS AT $0
HUNDREDS AT $14.95
No waiting period for Preventative Care Services
Maternity requires 6 months prior to conception
3 Year pre-existing condition look back
MEDICAL COST SHARING GUIDELINES
Not available in: WA, VT, PA, NM, CA, MD, MT, FL
MPB HEALTH CARE PLUS
ALL FEATURES OF MPB HEALTH
PLUS
End of Life and Funeral Expense Benefit after 1 year
Maternity Benefits with a 6 month waiting period
Medical Cost Sharing Guidelines
2 year pre-existing condition look back
Monthly Share Costs for CARE PLUS after 1/1/26
MPB HEALTH SECURE HSA
ALL FEATURES OF MPB HEALTH
PLUS
A FULL PREVENTATIVE ACA INSURANCE
SEARCH THE PHCS MULTIPLAN NETWORK
HUNDREDS OF DRUGS AT $0
HUNDREDS AT $14.95
Health Savings Account Eligible
End of Life and Funeral Expense Benefit after 1 year
No waiting period for Preventative Care Services
Maternity requires 6 months prior to conception
3 Year pre-existing condition look back
Medical Cost Sharing Guidelines
2 year pre-existing condition look back
Monthly Costs for SECURE HSA after 1/1/26
Like the central hub in the wheelhouse of MPB Health's rich array of benefits and services, the Concierge team seamlessly delivers assistance to you and your family with unlimited Concierge Style Care
- Operating from 9 am to 8 pm EST, Monday to Friday, reachable at 1-800-519-2969
- Every new member is encouraged to schedule a Welcome Call at their convenience.
- Members have the flexibility to schedule additional follow-ups and enjoy unlimited access to the team for any assistance they may need.
- Members, book your personalized Welcome Call today and experience the dedicated support MPB Health has to offer.
The MPB Health
MPB Health's Medical Cost sharing memberships have a rich foundation of resources and services delivered concierge style.
MPB.Health App
All MPB.Health Member Resources are currently available and downloadable at the App Store
Integrated into all MPB Health Memberships
HSA Eligible Memberships
MPB Health SECURE HSA and PREMIUM CARE
are HSA eligible!
This means you can open an HSA through your preferred financial institution and take advantage of powerful tax-saving benefits:
- Contribute pre-tax dollars to pay for qualified medical expenses
- Lower your taxable income for the year
- Grow savings tax-free through interest or investment earnings
- Withdraw funds tax-free when used for eligible medical costs
- Rollover funds year to year — there's no “use it or lose it”
Preventative Health Benefits
Preventive & Prescription Benefits
Available with MPB Health SECURE HSA & PREMIUM CARE Plans
Members enrolled in either the MPB Health SECURE HSA or
MPB PREMIUM CARE plans receive a full suite of ACA-compliant preventive healthcare benefits, with no co-pays and no waiting periods utilizing the nationwide PHCS Multi-Plan Network
🩺 Preventive Healthcare Services
- All ACA mandated screenings and wellness visits are covered in full - over 60 preventative healthcare screenings & services
- No waiting periods and no co-payments
- Coverage includes:
- Annual physicals
- Mammograms
- Colonoscopies
- Immunizations
- And more
- Members are encouraged to use the PHCS MultiPlan network for optimal coverage - Members can work with MPB Health's Concierge team if their provider is out of network for ultimate cost reductions.
🔎 SEARCH THE PHCS MULTIPLAN NETWORK
💊 Enhanced Medication Program
MPB Health's Enhanced Medication Program gives you convenient, affordable access to the medications you need—whether for short-term or ongoing care. Available with SECURE HSA or PREMIUM CARE.
These benefits provide members with comprehensive, affordable care while preserving the tax advantages of an HSA-eligible plan.
Key Features:
- 1,000+ acute and chronic medications at no cost
- Retail pickup available at 70,000+ pharmacies nationwide
- Mail-order options for long-term medications—delivered directly to your door
- Access to low-cost medications starting at just $14.95/fill
- Diabetic supplies, international pharmacy access, and prescription assistance included
How It Works:
- Search for your medication to view pricing
- Choose retail pickup if you need it right away
- Choose mail-order for best savings (arrives in about 10 days)
- A valid prescription is required for all medications
This program is included with your membership—giving you quality care and predictable costs every step of the way.
*See downloads below for more details
MEDICAL COST SHARING
- Medical Cost Sharing - No annual or life time limits - No Network restrictions
- Inclusive: All accepted
- Self-Pay System: Members cover their own costs up to the Initial Unshareable Amount (IUA).
- Flexible IUA Options: similar to selecting an insurance deductible.
- IUA Process: After the IUA is met, the need remains open until either costs related to that need cease or 12 months pass since the last addition of a medical cost.
- Members enjoy limited financial exposure: In any rolling 12-month period, if three Sharing Requests have reached the Initial Unshared Amount (IUA) level, any fourth eligible sharing request is shared from the first dollar once it has reached a $500 threshold.
- Freedom and Security: With no network restrictions and no annual or lifetime limits, this approach provides members with unparalleled freedom and security.
- Sharing Limitations to protect the membership: A pre-membership condition is anything you have had symptoms of, received treatment for, or been diagnosed with in the past 24 -36 months (depending upon medical cost sharing community).
- Graduated sharing on Pre-Membership Conditions as follows:
- Months 0-12 - No sharing
- Months 13-24 - Sharing up to 25K
- Months 25-35 - Sharing up to 50K
- Month 36 and beyond - Sharing up to $125K annually
- Exception for High Blood Pressure, High Cholesterol and Diabetes type 1 and 2: These conditions are accepted as long as there hasn't been a hospitalization for the condition in the past 12 months and it can be controlled through medication or diet.
- Arthritis: Considered a pre-membership condition and gradually shareable according to member guidelines. This includes treatment and procedure costs including joint injections, PT, and chiropractic treatments.
- Cataracts: Eligible after first year of membership. 1 IUA if both done within 3 months of each other
- Maternity: 60 day waiting period – Included in one IUA
- View Sharing Guidelines for more information depending on membership chosen.
- Smokers: There is a monthly surcharge per household for tobacco users and vapers.
- Smokers over age 50 there is a sharing limit of $50,000 for heart conditions, cancer, COPD and stroke.
- Substance Abuse: treatment shareable per guidelines
- MPB Health Concierge: MPB.Health Concierge Team is here to support you with every aspect of your healthcare journey. Whether you need to schedule an appointment, arrange lab work, price out a new medication, or plan for surgery, they are ready to assist.
- For surgeries or planned interventions, your Concierge Team can research top doctors and hospitals, ensuring you receive the best care possible. They also handle planning and administrative tasks, often securing cost-effective, upfront payment solutions for medical procedures.
- With MPB.Health, you have a dedicated team working to simplify your healthcare experience and provide you with the best options for quality care and cost savings.
Unlimited Virtual Health Care
- Speak with a MD or DO in less than 1 minute 24/7/365
- Manage ongoing or urgent care concerns without any cost or wait time.
- Approximately 70-80 % of needs can be handled virtually.
- Please call Virtual Care or go to Urgent Care prior to an ER visit if appropriate.
Unlimited Virtual Urgent Care
- Primary Care, Pediatric Care, Women's Healthcare, Mental Health and Veterinary Health Specialists
- Traditional Medical solutions as well as more natural options
- Doctors can prescribe medications for many different health issues. Not appropriate for controlled substances.
- Virtual Healthcare allows an ongoing care solution.
- Communication is ongoing
- HIPPA Compliant platform
- Integrated into all MPB Health Memberships
Unlimited Virtual Mental Health
- 24/7 Access: Connect anytime with licensed mental health professionals from the comfort of home.
- Flexible Sessions: Video, phone, or text-based counseling—whichever works best for you.
- Wide Range of Support: Covers stress, anxiety, depression, grief, relationship challenges, and more.
- No Session Limits: Get the help you need, as often as you need it, without extra cost.
Unlimited Virtual Pediatric Healthcare
- 24/7 Access: Reach board-certified pediatricians anytime, day or night.
- Convenient Care: Video or phone visits from home—no waiting rooms or travel.
- Comprehensive Support: Covers common illnesses, chronic conditions, medication refills, and health questions.
- No Visit Limits: Get care as often as your child needs, at no extra cost.
Unlimited Virtual Pet Health
- 24/7 Access to Licensed Veterinarians – Get professional advice anytime, day or night, without waiting for an in-person appointment.
- Convenient and Stress-Free – Avoid stressful car rides and long waits at the vet’s office; connect from the comfort of your home.
- Early Intervention & Peace of Mind – Quickly assess whether your pet’s issue requires urgent care or can be managed at home.
- Cost-Effective Support – Save money on unnecessary emergency visits while still receiving expert guidance for your pet’s health needs.
Integrative Health Benefit
- 30 Percent Off!
- Access to over 20,000 Brand Name Vitamins, Supplements, Homeopathic, Oils, Organic beauty products, books and much more.
- Physician-Functional Medicine quality. Company direct.
- Members Save hundreds annually with 30% off savings!
- Integrated into all MPB Health Memberships
Concierge Pharmacy
- If you are on maintenance medication(s) or prescribed a new medication, the Concierge team is at your service to resource it for you in US, Canada or worldwide.
- Integrated into all MPB Health Memberships
Concierge Lab
Concierge Lab Testing Resources
- MPB.Health Concierge team twill assist you in locating the nearest lab resources with self pay discounts
- Resources are conveniently on MPB Health's App
- Integrated into all MPB Health Memberships
Medical Records Vault
- Secure way to share important medical records with providers. No need to make photo copies to hand to your providers. Membership includes your own personal electronic medical vault.
- Integrated into all MPB Health Memberships
QR Life Code
- Wallet card & key fob alerts first responders to any medical conditions or medication you may have. Typically first responders look in the victims wallet or search for med alert bracelets. This QR Code would indicate any issues you might have that would impact your care.
- Integrated into all MPB Health Memberships
End of Life & Funeral Expenses
After 1 year of continuous membership
- 10K for any member within a membership after a death certificate is provided, to the surviving family - Available with MPB Health Care Plus and Secure HSA
Karen Torsoe
Medical Cost Sharing Specialist
Licensed Insurance Agent
Member HSLDA
Occupational Therapist
Previous Business Owner
