Secure Membership
- Eligibility: Sole Proprietors, Free lancers, 1099 recipients, Small businesses, Multi Level Marketing participants, etc.
- Solution for W2 workers upon request.
- Preventative Care At NO COST within the PHCS MultiPlan Network
- Health Savings Account Compatible
- Meets all state mandates - (NJ, CA, VT, MA, RI, DC residents have a state mandate)
Included in Your Membership
- Includes ALL preventative care and screenings outlined as outlined by the Affordable Care Act (ACA)
- NO COST within the PHCS MultiPlan Network -NO waiting period.
- All age appropriate screenings & services: Wellness, Well baby, Immunizations, Paps, Mammography, Colonoscopy, some birth control methods - 94 items in full
- MPB.Health SECURE is designed to meet all state mandates
- Health Savings Account Compatible
- Medical Cost Sharing for larger & catastrophic expenses with Zion Health
- Zion Health is alternative medical friendly - Medical freedom
- No sharing limits or lifetime maximums
- Unlimited Virtual Healthcare 24/7/365 - Immediate Access
- MPB.Health Life Care - Member Assistance Program with up to 12 counseling sessions per person / per year - virtual or in person counseling
- Legal assistance, eldercare resources, resources for multiple areas of life
- Alternative Care Healthcare Discounts on Chiropractic, Acupuncture, Massage,Yoga, Pilates, Nutrition, etc.
- Unlimited Human Resource and Professional support
- Pharmacy Benefit Plan & Resourcing Concierge Service
- Personal Medical Records Vault QR Life Code
- Well being Platform, Resources for healthy living
- End of Life and Funeral Expenses: 10K member/spouse 2.5 k dependents after 1 yr
- MPB.Health's Care Concierge Team - M-F 9am -8 pm EST
Preventative & Screening
- 94 Preventative Services and Screenings Included
- Annual Preventative Exams - Annually for adults. Well baby per baby schedule - 6 visits during the first year of life, 7 times between yr1-4
- Paps and Screenings for STDs for women age 21 to 65
- Mammograms -Every 2 years for women 50 and over (As recommended by a provider for women 40 to 49 or women at higher risk)
- Colonoscopy -45 years and older
- Bone Density screening for all women over age 65 or women age 64 and younger that have gone through menopause
- Cholesterol - Lipid panel
- Diabetes screening
- Hepatitis B & C screening, HIV Screening
- Generic Birth Control Methods are included at no cost
- No cost for ongoing Generic Statins or Aspirin
- Immunizations including: Chickenpox, Diphtheria, Flu, Hepatitis A, HPV, Measles, Mumps, Rubella, Meningococcal, Whopping Cough (Pertussis), Tetanus and Shingles vaccine
- This is not an exhaustive list. All items identified as per the government - exactly like any other ACA marketplace plan.
- Please note: Genetic Testing is not included.
- More info - visit healthcare.gov/preventative
- This the only time members need to remain within a network & will show their card
- This is the only time that a MPB.Health member must remain in Within the PHCS MultiPlan Network. All other needs may be addressed via the Unlimited Virtual Care or taken care of as a self pay patient. If the illness exceeds the chosen IUA (Initial Unshared Amount) it will go towards the NEED. The IUA needs to be met one time and one time only - no matter how long the illness or condition continues.
- There is no cost or waiting period for any age or medical appropriate screening, medication or service
- For all other services and needs as well as urgent care and hospitalizations, members have NO Network Restrictions
ZION HEALTH SHARE
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
HEALTH SAVINGS ACCOUNT COMPATIBLE
Fantastic Opportunity to Contribute to a Health Savings Account
Current contribution limits are:
$3,650 for Individuals
$7,300 for Couples or Families
Make a contribution by April 15 for a deduction in 2021
No minimums Simple Set up - Done within Minutes
Unlimited 24/7/365 Virtual Healthcare
- What if you need to see a Specialist?access to Virtual Healthcare which empowers your small business members with the ability to text, call or video chat with a doctor 24/7/365, without barriers.
- Communicate with a dedicated virtual physician within 60 seconds from phone or internet with an easy, intuitive chat interface.
- Unlike traditional tele-medicine, Virtual Healthcare allows you an ongoing preventative care solution.
- You don't need to repeat your case or symptoms each time you communicate. Records are tracked for ease of care. Chronic health issues are easily managed.
- Specialists available.
- Members can seek medical attention from Primary Care, Pediatric Care, Women's Healthcare and Behavioral Health Specialist Doctors for as long and as often as necessary, for no additional fee.
- The doctors can prescribe medications for many different health issues.
- This service is at no additional cost for these sick or preventative care visits.
- All visits are done through a safe and secure HIPAA compliant platform.
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.
What is an IUA - Initial Unshared Amount?
The Initial Unshared Amount is the out of pocket amount the MPB.Health member contributes towards their own care prior to cost sharing for the NEED.
What is a 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.
Members may choose from a $1,000 - $2,500 or a $5,000 IUA
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.
A need 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 MPB.Health member is responsible for one IUA only even if the treatment for the illness goes on for many years
Worse Case Scenario 3 Max IUA's within a rolling year
Any MPB.Health 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
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.
- Months 1-12: No sharing,
- Months 12-24: Sharing up to $25,000
- Months 24-36:Sharing up to $50,000
- After 36 Months: Sharing up to $125,000 for the pre-existing condition
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 Surcharge and Restrictions for Smokers over age 50
There is a $50 monthly surcharge per household for tobacco users.
There is a sharing limit for smokers age 50 or more of $50,000 for Heart Conditions, Cancer, COPD & Stroke.
Large or Emergency Medical Expenses
Your small business employees will work with the MPB.Health Concierge team when ever they need to seek care or if have a large need. They will help you access quality healthcare at a reasonable cost, they will assist them in being a self pay patient. They will also help them to set up a Needs Case.
Eployees will not be alone. They 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 healthsharing community. Your small business employee should alert the MPB.Health Concierge team as soon as possible.
You will only be responsible for your initial unshared amount.
There are NO sharing or lifetime limits
Unless restricted by a pre-existing condition (then it is up to $125k)
Please visit the link below for Zion Health's Guidelines
Maternity Guidelines
Principals of Membership
Principals of Membership
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
Life Care - Including 12 Counseling Sessions Per Member Per Year
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 this 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
Complimentary and Alternative Med Discounts
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
WholeHealth Living Choices
MPB.Health additionally enables members to receive discounts on Acupuncture, Chiropractic, Massage Therapy, Zeel - 15%,
Complementary & Alternative Medicine
Diet & Nutrition, Food, Vitamins, Weight Management, NutriSystem 50%
Accessories & Equipment, Personal Training,
Pilates, Tai Chi & Qi Gong, Yoga,
Dental, Hearing & Vision, Amplifon - 50%
HSA-Usable Services:
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. Sneak Peak
Concierge Pharmacy Resourcing and Discounting
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.
Your MPB.Health Concierge team can help resource the best prices for medications if help beyond RxGo or GoodRx is needed.
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.
Medical Records Vault
MPB.Health members enjoy MedVault, A secure and accessible emergency profile and personal health records vault. 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
24/7 Emergency Assistance with your Personal Life Code allows medical professionals instant access with a 5-digit Life Code ID
End of Life and Funeral Expenses
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
You will have an an advisor who cares
You will have an an advisor who cares
You will have an an advisor who cares
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"
Enroll Now in MPB.Health SECURE
You will have an an advisor who cares
You will have an an advisor who cares
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