Medical Cost Sharing Partner - No Max Yearly or Lifetime Limits
Medical Needs over 1K, 2.5k or 5k
Prompt or immediate payment or reimbursement after IUA
NO SHARING LIMITS
No Network concerns for Medical Needs
Alternative Health Approaches with Prior Approval
Incredible Maternity Program
End of Life and Funeral Expenses Shared
Highly rated HealthShare Community
Fantastic Opportunity to Contribute to a Health Savings Account
Current contribution limits are:
$3,650 for Individuals
$7,300 for Couples or Families
Over the age of 55 - you can contribute an extra $1K
Make a contribution by April 15 for a deduction in 2021
Simple Set up - Done within Minutes
What if you need to see a Specialist?
What happens when your Virtual Healthcare or in-person physician recommends you see a specialist, complete testing or conduct any other in- person service? Your MPB Concierge Team is with you every step of the way. They will do the research to find the highest quality care at a fair price for all doctors, facilities and procedures. This eliminates the research, time and guesswork on your behalf. MPB.Health members have access to the MPB Concierge Team 5-days a week, Monday-Friday to help you and your employees navigate your healthcare membership, provide answers to your questions, assist in finding low cost medications and much more.
The Initial Unshared Amount is the out of pocket amount the member has prior to cost sharing for the NEED.
A Need is the ALL of the medical expenses surrounding a new illness, accident or diagnosis.
All qualified medical expenses after IUA is met for a NEED are shareable at 100% and without an annual or lifetime limit.
The IUA is met one time for the Need and not does not reset annually. All qualified medical expenses after IUA is met are shareable at 100% and without an annual or lifetime limit.
It remains open with all medical expenses related to the Need being shared until symptom free for 12 months.
Members usually benefit with an IUA vs a yearly deductible.
In the case of an ongoing or chronic illness or condition the member is responsible for one IUA only even if the treatment for the illness goes on for many years
Any member household that experiences 3 IUA's within a membership year may have any further medical expense fully shared after only reaching a $500 threshold to further protect the member
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.
You will work with your MPB.Health Concierge team when ever you need to seek care or if have a large need. They will help you access quality healthcare at a reasonable cost, they will assist you in being a self pay patient. They will also help you to set up a Needs Case.
You will not be alone. You will have assistance every step of the way.
For emergencies seek care telling the hospital or provider that you are a self pay patient that is part of a healthshared community. You should alert the MPB.Health Concierge team as soon as possible.
You will only be responsible for your initial unshared amount.
One initial unsharable amounts (IUA’s) are applied to a single maternity need and one for the baby.
(This is the best Maternity option
I have seen )
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
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.
Wellness Platform - Emotional Well being - Health Videos - Relationship Resources- Resilience - Financial - Legal- Legal forms- Marital & Family Related Issues - Children & Adolescents - Anger, Stress & Time Management - Grief & Loss - Alcohol & Substance Abuse - Elder Care Concerns - Domestic Abuse - Addictions - Job-Related Stress - Work/Life Assistance
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!
Your MPB.Health concierge team is there to help, every step of the way, M-F from 9-8pm EST
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 SECURE 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