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 experienced in the last 2 years are subject to a 12 month eligibility phase in 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—with just a 60-day waiting period.
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
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.
MEDICAL COST SHARING
- Zion HealthShare Membership - 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.
- Support for Alternative Health: Alternative health solutions & naturopathic providers with approved tx plan.
- 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 months.
- 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 Maternity Section Here
- Smokers: There is a $50 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 up to $3,000
- MPB Health Concierge: if you are ever facing a surgery or planned intervention, your MPB.Health Concierge team can research doctors, hospitals, to give you the best information for a successful outcome. They will come along side you for all planning and administrative tasks and the costs for surgeries are often paid at time of service. with excellent management.
- Principles of Membership & Spanish Translation
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.
- Primary Care, Pediatric Care, Women's Healthcare and Behavioral 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
MENTAL HEALTH AND COUNSELING
Working with a counselor has many benefits, including improved mood and mental health, better communication in personal and professional relationships, higher self-esteem and resilience.
- All members within any membership will have access to 12 sessions, per member, per year, at no cost.
- Mental Health Counseling: Members have access to licensed mental health counselors 24/7/365, either virtually via phone or in-person sessions.
- Sessions are set up in a block of 4 visits with a 2 month wait in between with a max of 12 sessions, per member, per year.
- You may be able to work with your own therapist and sessions are set up within a day or two for members. Call the Concierge!
- Mental Health is an extremely valuable resource at this time and this adds greatly to the value of this incredible membership.
- California law limits the counseling to 3 sessions each 6 months
Covered members and household members have access to face-to-face, virtual or telephone counseling sessions with a licensed clinician on a variety of topics and issues.
Sample counseling topics include:
- General mental health
- Stress and anxiety
- Depression
- Grief and bereavement
- Family/marital
- Children’s issues
- Behavioral issues
- Elder care issues
- Financial wellness
- Substance use and addiction
- Domestic violence
- Work-related
- Retirement concerns
- Outplacement services
- Health-related
- Integrated into all MPB Health Memberships
Counseling sessions are renewable and can be accessed individually or combined to address family-related issues.
Unlimited Access to Impact Suite
- MPB.Health has partnered with Impact Suite to bring you free premium access to its suite of life-changing apps. Join hundreds of thousands of individuals in nearly 150 counties who have found long lasting healing and recovery.
- Impact Suite provides virtual, evidence based solutions for those facing depression, anxiety, chemical dependency, sexual impulsivity, or simply wanting to improve their life generally.
- "Raise"" for Confident Parenting in the Digital Age
- "Climb" for Personal growth
- "Lift" for Depression and Anxiety
- "Turn" for substances abuse
- "Fortify" for sexual compulsivity
- There are no charges or limits on usage for members
- Integrated into all MPB Health Memberships
Impact Suite
These self help tools provide full privacy, anonymity
- Climb ---- for personal growth
- Raise ----for raising children
- Lift ---- for depression/anxiety
- Turn ---- for substance abuse/addiction
- Fortify ---- sexual compulsivity
These self help tools provide full privacy, anonymity and have no usage restrictions
Integrated into all MPB Health Memberships
Member Assistance Program: Legal Resources:
- 100 plus common legal forms - (A very small preview list)
- A useful library from NOLO Legal Press to help with many common legal situations, choose from authorizations, agreements, notices, estate documents, and much more.
- Businesses & Corporations: Business Financing, Business Legal Concerns, Business Legal Structures, Business Taxes. Buying and Selling a Business, Choosing a Business Name, Corporations, Evaluating your business idea, Finding and renting space for your business, Home Businesses, Investing in a Business, Limited Liability Companies, Marketing and Advertising, Non-Profit organizations, Partnerships, Sole Proprietorships, Starting a business, Writing a Business Plan.
- Caring for Children: Adoption, Guardianship of Children
- Integrated into all MPB Health Memberships
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
Health Promoting Care
Imagine.....
Simply snapping a photo of the itemized proof of payment for an eligible healthcare expense or health promoting care &
being reimbursed within 48 hours!
Total freedom oriented!
$107 per month Individual
$165 Couple
$200 Adult & Children
$250 Family
With DPC Reimbursement Feature
$140 individual
$230 Couple
$255 Adult & Children
$315 Family
Health Promoting Reimbursable Services in detail
2024 Preventive Reimbursement Benefit Maximums and Eligible Services
Basic Wellness Services | $4500 (annual maximum)
Annual Wellness Exams (up to three per year)
Well Child Exams
Gynecological Exam (well woman visit aged 21 and over)
Breast Screening after age
Annual Preventive Mammogram and or UltraSound
MRI
Thermography breast screening and/ or ultrasound
Annual Dermatological Skin Check
Colorectal Cancer Screening:
Age range: 45 - 80 (covered from age 40 if 1st degree relative has positive history of colon cancer)
Screening Type:
Procto/Sigmoidoscopy every 5 years.
Colonoscopy is an eligible every 5 years
Cologuard every 3 years.
Bloodwork Screenings - Bloodwork is not considered one of the 3 visits
- Lipid Panel (Cholesterol and triglycerides)
- Comprehensive Metabolic Panel (CMP)
- Complete Blood Count (CBC) with differential test
- Thyroid Panel TSH (Thyroid Stimulating Hormone) with reflex to T4 if abnormal
- Routine Comprehensive Urinalysis (UA)
- Hemoglobin A1C (HgbA1C)
- Vitamin D Level
Heart Screening: C-Reactive Protein (CRP) & Homo cysteine levels *
*for those with strong personal history or 1st degree relative history of heart disease
USE ULTA LAB FOR GREAT PRICING
PSA for men age 50-75 Start at age 40 if 1st degree relative has positive history of prostate cancer
Bone Density Screening Post-menopausal women, every 2-3 years
Reimbursement max of $4,500 per member- per year on membership
Vision
Preventive Vision Exam
Exam for glasses or contact lenses
Up to $250 per year - per member
Dental Exams, Cleanings, Sealants
Preventive Dental Exam, Sealants, Cleaning, X-ray and Fluoride Treatments are all eligible
Up to $250 per member - per year
Get Fit!
Gym Memberships, monthly memberships for yoga, or other membership based fitness
Children: Soccer, Tennis lessons, etc are all eligible
Up to $250 per member - per year
Huge Mental Health Benefit
General Mental Health, Marriage Counseling, Family Counseling, Substance abuse counseling, etc.
Up to $3,000 per member - per year
DREXI Drug Discount
Better than GoodRx!
Deeper discounts on Mail Order
World Wide Shopper
Lose Weight - Gain Weight
Nutritional Counseling
Weight loss - Weight gain counseling and programs
Up to $500 per member - per year
Add on DPC Reimbursement
You will find a DPC practice near you
Monthly Reimbursement is:
Individual $70/month
Couple $140/month
Adult & Child(ren) $120/month
Family $160/month
You have me as well as the Member Services & Concierge for all your needs/ questions, etc.
- Book at 15 min call if you need me - or just text/call me
- I am always a text or a call away for my members.
ANOTHER ROUTE FOR HEALTH SAVINGS ACCOUNT COMPATIBILITY
Minimum Essential Coverage:
Access to annual preventive care screenings that comply with Affordable Care Act (ACA) standards.
- Health Savings Account (HSA) Compatibility: HSAs enable you to contribute pre-tax dollars towards future qualified medical expenses.
- SEARCH THE PHCS MULTIPLAN NETWORK
Telehealth:
On-demand virtual medical care, connecting you with your primary, pediatric, women's health, and behavioral health board-certified physicians, via text-based chat first. If needed, you can switch to a video call for a more in-depth consultation. $0 Unlimited Access!
- Address general medical questions
- Address women’s health concerns
- Address mental health concerns
- Manage chronic conditions
- Discuss your test results
- Get refills for prescriptions (with some exceptions)
- Address urgent care needs*
* Telehealth may not be suitable for emergency situations.
Mental Health Counseling
Virtual, face-to-face, or telephonic sessions with a counselor. $0 Up to 12 sessions, per member, per year with a 2-month break between each block of 4 (CA limits to 6 sessions per member, per year).
- Access to additional resources: Childcare, legal, financial, support groups, housing, etc.
- Elder Care & Financial: Telephonic consulting, tailored eldercare counseling & resources, plus financial wellness counseling provided by experts in their field.
- Online Training Library: Thousands of virtual work/life training and the ability to track progress.
- Access to Compass: Advanced HR support and assistance in professional development.
- Access to Impact Suite App: An App for personal growth and healing.
MPB Concierge
Our MPB Concierge team is focused on supporting and guiding you every step of the way through your health care journey, so you can make informed decisions.
Get Help
- Finding the fairest priced medications, as well as where to purchase them.
- Finding providers and facilities with the highest quality of service at the fairest prices.
- Finding the best labs and facilities at the fairest price.
Qr LifeCode
In a medical emergency first responders can access your Medical Records Vault through your QR LifeCode Five-digit ID code.
Medical Records Vault
Allows you to securely store your medical records.
Discounted Supplements & Wellness Products
Get access to high-quality supplements at fair prices, backed by features that help you
stay on track with your wellness goal.
Debt Dismissal Program
Helps qualifying members reduce or eliminate eligible medical debt from participating hospitals and healthcare providers
Monthly Costs
Annual Membership - $25.00 per Year
Enrollment - $100.00 one-time
Employee Only - $125 per month
Employee Plus Spouse - $160 per month
Employee Plus Child(ren) - $160 per month
Employee Plus Family - $195 per month
Karen Torsoe
NEXT STEPS
- Please schedule a time on my Calendly link or call me at 845-641-9123 to speak about further 1:1 questions or concerns
- calendly.com/thehealthsharelady
P: (845) 641-9123
