MPB.Health

• 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
• MPB Health FLOW Members enjoy no limits on pre-ex sharing after 36 months

• 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. View sharing guidelines

• Maternity: Maternity requires a 6 month waiting period –Maternity and birth is one IUA
• View Sharing Guidelines for more information

• Smokers:  There is a monthly surcharge per household for tobacco users and vapers, view sharing guidelines.
• 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
• 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.
• Urgent care is 24/7 - Unlimited Virtual Primary Care Available 7 AM – 7 PM CST (same-day appointments not available), $0.

Virtual Primary Care can address a wide range of common health concerns. Here are some of the services which go beyond what you would normally think of with a virtual care provider!

• Perimenopause and menopause: Yes, Providers can evaluate symptoms and discuss treatment options and management.
• Menopausal hormone therapy/HRT: Yes, when clinically appropriate. This can include evaluation and management of menopausal symptoms.
• Estrogen and progesterone: These may be prescribed when medically appropriate and within the provider’s clinical and prescribing guidelines.
• Men’s hormonal health / low testosterone: Providers can evaluate symptoms and order appropriate labs. Testosterone is a DEA-controlled medication, so it is not prescribed through our virtual primary care service.
• Erectile dysfunction and other common men's health concerns: Yes. These concerns can be evaluated and treated virtually when appropriate.
• Thyroid and other routine hormonal conditions: Yes. Providers can evaluate symptoms, order appropriate laboratory testing, and manage routine conditions when they are within the scope of virtual care.
• Dermatology: Common skin concerns can be evaluated virtually, and appropriate prescriptions may be provided when clinically indicated. Lyric also offers dedicated virtual dermatology for conditions such as acne, eczema, and other common dermatological concerns.
• Laboratory testing and follow-up care: Yes. Providers can order labs when medically necessary, and our integrated care model supports laboratory services and ongoing follow-up.

This is a valuable piece of all MPB Health Memberships 

• 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.
• 3 free visits per family, per year; then $60.00 per visit.

• 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

1. Available to all MPB Health memberships

2. Schedule a Virtual Primary Care appointment in the MPB Health app

3. Meet with a licensed provider for evaluation, and if appropriate receive a prescription

4. Fill your prescription at the pharmacy of your choice

5. Manage follow-ups directly with your provider

Virtual Care provides access to a prescription. 

It does not include Rx Valet discounted pricing.

MEC Members (Secure HSA, Premium HSA, & MEC+Essentials):

RX Valet now offers compounded weight loss medications starting at $250 per month. If approved by a provider, a prescription will be shipped directly to the member.

Learn More: How to Save on GLP-1 Medications with Rx Valet | Resource Library | MPB Health

https://www.mpb.health/features/medical-weight-loss-support

Please Note:

• Telehealth doctors can prescribe and manage the medication.
• Prescription is not guaranteed, as all medications must be approved by a licensed provider.

• 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

• All MPB.Health Member Resources are currently available and downloadable at the App Store
• All MPB Health Member Resources are also available online
• Integrated into all MPB Health Memberships

• 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"

In addition to the features of MPB above, your Premium HSA or SECURE HSA Membership includes everything below & more.

All services must be provided within the PHCS MultiPlan Network

The largest PPO in the USA

MPB Health Concierge Team can assist you

• 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.