MPB.Health

MPB.Health SECURE Membership - includes:

• Meets all state mandates - (NJ, CA, VT, MA, RI, DC)
• Eligibility: Sole Proprietors, Free lancers, 1099 recipients, Small businesses, Multi Level Marketing participants, etc.
• Solution for W2 workers upon request. 

• Full ACA Preventative Care Insurance
• No waiting period
• No Cost for Preventatve Care
• Health Savings Account Compatible - see details below 

• There are 64 preventative screening and services 
• You must Remain within the PHCS MultiPlan network for this component of your membership only
•  If you do not see your provider listed, it is still likely that they participate. Verify this by calling their office.
• PHCS Multi-plan has over 900,000 - healthcare providers -  one of the largest Physician networks in the country.
• You will show your card for Preventative Visits - this is the only time you will ever take a card out of your wallet. 

Highlights of Services typically used

• Annual Preventative Exams - Annually for adults. 
• Well baby per baby schedule - 6 visits during the first year of life, 7 times between yr1-4
• Annual 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 Screening frequency depends on your risk and family history and which screening test you choose, stool test or colonoscopy 
• 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. MPB.Health SECURE includes  All items identified as per the government - exactly like any other marketplace plan.
• Please note: Genetic Testing is not included.
• More info - visit healthcare.gov/preventative

Preventative Services Included with MPB.Health DIRECT

• One outside visit worth up to $250 - no waiting period     
• Pap smears will be considered fully shareable when billed alongside the annual provider visit.  
• Alternately, use your outside visit for any service or care, including vision or dental, mental health visit, etc.
• Annual Screening Mammograms - 6 month waiting period - cap at $600 and no network concerns - Age 40
• Screening Colonoscopy - 6 month waiting period - cap at $5,000 - no network concerns - Age 45 
• Childhood Immunizations to age 18 - 6 month waiting period (unless pregnancy was also shared)

Full MPB.Health Features & HealthCost Sharing

• All of the features of MPB.Health
• MPB.Health's most affordable membership
• No Preventative Care but Unlimited sharing over IUA
• Most Flexible and Self Directed Membership

• Medical cost sharing is not a new concept but a proven and effective alternative to health insurance
• All accepted. No faith requirements. No one denied for health but pre-existing condition clause precludes this being ideal for everyone.

• MPB.Health members may choose  $1000, $2500 or $5000 Initial Unshared Amount (IUA).
• The IUA is the amount that a member will contribute to his own medical need prior to sharing from the community.
• Members are “self pay patients” up to the point of the IUA
• If a situation occurs where a member anticipates the IUA being reached, they should reach out to the MPB.Health Concierge Team for assistance to create a "Needs Case”
• The community shares in medical expenses after the Initial Unsharable Amount (IUA) is met. 
• A "Needs Case" remains open until symptom free for 12 months
• Any membership that experiences 3 IUA's within a rolling 12 month period, will have any further medical expense fully shared  after only reaching a $500 threshold  to further protect the member

• No Annual, lifetime, or maximum upper sharing limit
• Beyond being prohibitively expensive, Health Insurance always relies on networks.
• Being tied to a Network means that there will always be Medical Centers of Excellence or Doctors that you will NOT be able to access.
• Choosing a healthshare grants full freedom of access to use any provider or hospital 

• 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.

• Excellent Maternity Benefits - One IUA for entire pregnancy
• Maternity Needs eligible after a 60 day waiting period. 
• View the Maternity Guide 

• Alternative medical treatments can be shared with the Medical Cost 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 by your Medical Cost Sharing provider. 
• Member is required to demonstrate the proposed value of the alternative treatment and then shared after approval.
• Members may use providers of their choice including naturopaths, acupuncturists, modalities like hyperbaric, alternative cancer treatment, etc. Medical Freedom unlike any "insurance policy" and highly valuable.

• Sharing of Substance Abuse Treatment, Costs surrounding an attempted suicide, per guidelines.

• A Pre-exising condition is anything you have had symptoms of, treatment for, or diagnosis of in 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.
• Graduated sharing on Pre-existing 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 annual thereafter
• Sharing of a pre-existing Cataract after 1 year of membership

• Smokers:There is a $50 monthly surcharge per household for tobacco users and vapers.
  Sharing limit for smokers age 50 or more of $50,000 for Heart Conditions, Cancer, COPD & Stroke.

• Review the Zion Health Sharing Guidelines Here

• Typically specialists like Rheumatologists, etc are difficult to get an in person visit with without waiting months.
• This Nationwide Platform allows a Priority Line into an appointment as time is set aside each day for the platforms patients. These providers are already onboard with cash pay.

• Life Care is there to help with all of life's everyday challenges such as stress, anxiety, family struggles, financial issues, elder care guidance and counseling.
• Mental Health Counseling: Members have access to licensed mental health counselors 24/7/365, either virtually via phone or in-person sessions. 
• All members within any membership will have access to 12 sessions, per member, per year, at no cost. 
• 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

Additional, Unlimited Resources of the Member Assistance Program

• Wellness Platform
• Emotional well being
• Health videos
• Relationship resources
• Resilience
• Marital and Family related issues, Children & Adolescents
• Anger, Stress & Time Management
• Grief & Loss
• Alcohol and Substance Abuse
• Eldercare concerns
• Domestic Abuse
• Job related stress
• Work/Life Assistance and Balance

• 100’s of interactive calculators to crunch numbers on everything from auto loans to savings goals

• Professional development via access to COMPASS
• Advanced HR Support and assistance in professional development. 
• Online training library with thousands of virtual work/life trainings and ability to track progress. 
• HR Support and assistance in professional development.
• Personal growth
• Work/Life Resources (over 20,000 tools)
• Webinars and Trainings

• Whole Life Living Choices: The Nations largest Alternative Care Discount Network
• Discounted Care on services including: Chiropractic, Massage, Acupuncture, Personal Training & Fitness, Yoga, Pilates, Tia Chi & Qi Gong, Physical and Occupational Therapy, Natural Healing, Relaxation, Diet and Nutrition, Weight management, Sports equipment, gifts, Aesthetics and more.

• Typical discount is 10%-30%

•  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.
•  The resources for cost reduction in pharmaceuticals are unparalleled. 
• Option to purchase a $19.99 monthly subscription which includes hundreds of pharmaceuticals at no cost! 

• Safe and effective 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.

• 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 braclets. This QR Code would indicate any issues you might have that would impact your care.

As a boutique Concierge Healthcare Solution, even your healthcare cards are personalized to your area with local resources and Nearest Lab, Urgent Care, Cash pay resources and MPB.Health's Concierge hotline.

There is a $125 enrollment cost for all new members

When you refer your family & friends, 

I gift you $100 (100 percent) of my commissionaire enrollment income 

You can book me for virtual HealthCare Solution parties, etc.

I will provide a group presentation to help your family and friends

It is a Win for All

Connect with me with a 15 min slot to learn more

• Anyone can start - No program or age restrictions 
• Grows over 35 months
• You can use it immediately but that would stunt the growth, best to wait till it is near maturity
• Can be used at point of service for almost all medical expenses including membership in a Direct Primary Care! (See list below)

• To add a person on to the account it will cost an additional $5 with a $15 max per family 
• You will want to add members if you want them to be able to use the account.
• If you open an account as a member only, you should name a beneficiary.
• The beneficiary will receive 1/3 of the current value of the account.