MPB.Health

PREMIUM CARE OVERVIEW

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

LEARN MORE

3 Year pre-existing condition look back

Change Current Membership to Premium Care

ENROLL IN PREMIUM CARE

Not available in: WA, VT, PA, NM, CA, MD, MT, FL

ALL FEATURES OF MPB HEALTH

PLUS

End of Life and Funeral Expense Benefit after 1 year

Maternity Benefits with a 6 month waiting period

CARE PLUS OVERVIEW

Medical Cost Sharing Guidelines

2 year pre-existing condition look back

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

SECURE HSA OVERVIEW

Medical Cost Sharing Guidelines

2 year pre-existing condition look back

MEMBER GUIDELINES

• 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

• 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.

• 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. 
• Schedule a Primary Care appointment with a doctor of your choice for routine check-ups, ongoing health management, and preventive care to maintain your overall well-being and catch potential health issues early. Primary Care is particularly beneficial when you want to check back in with the same doctor over a period of time.

• Opt for a Dermatology consultation to address skin concerns such as acne, rashes, eczema, or suspicious moles, with the convenience of expert advice from home.

• 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.
• Pet Health services to talk with veterinary professionals about your pet's health concerns, behavioral issues, or wellness needs, ensuring your furry friend stays happy and healthy.

• 24/7 Access: Connect anytime with licensed mental health professionals from the comfort of home.
• Seek a Behavioral Health specialist for immediate support and guidance on coping strategies for life's challenges, available through convenient phone sessions.
• 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.

• $205 Initial Evaluation
• $100 Each subsequent Visit
• Use Psychiatry services for professional diagnosis, medication management, and treatment plans for mental health conditions requiring medical intervention.

• If you have MPB Health SECURE HSA or PREMIUM HSA you have hundreds of prescriptions at $0 or $14.95 cost
•  If you are on maintenance medication(s) or prescribed a new medication, the Concierge team is at your service to resource it for you with or shopper using US, Canadian and worldwide resources. 
• Integrated into all MPB Health Memberships

• 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. Health Tracking provides family members and caregivers the ability to record vital health observations easily and privately.
• Integrated into all MPB Health Memberships

End of Life and Funeral Cost Assistance 

• Offered with MPB Health Secure HSA and Care Plus Memberships
• After 1 year of continuous membership 
• 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

• MPB HEALTH PREMIUM HSA
• MPB HEALTH SECURE HSA
• 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.
• Use at time of service or reimburse yourself years or decades later!
• 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”

"Better than a Roth IRA"