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  • More
    • Home
    • Zoom
      • Join my Zoom Room
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      • About Me
      • Enroll - MPB-Health
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    • Individuals
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      • Sedera Health
      • Dental & Vision
    • Employers
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      • Dental & Vision
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    • Dental - Vision
      • 1Dental - EyeMed
      • Enroll in 1Dental
      • Find a Dentist
      • Discount vs Insurance
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      • Plan Features
      • Exact Prices - Careington
      • Est. Costs Dental Access
      • Filings
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      • Root Canal
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      • About 1Dental
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      • Vision Included!
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  • Home
  • Zoom
    • Join my Zoom Room
    • Calendy - Schedule a call
    • About Me
    • Enroll - MPB-Health
    • Enroll - Sedera Health
  • Individuals
    • MPB.Health-VIP MedFreedom
    • Health Savings Accounts
    • Sedera Health
    • Dental & Vision
  • Employers
    • Employer Group-MPB.Health
    • Dental & Vision
  • 30% off Vitamins & Supps
  • Dental - Vision
    • 1Dental - EyeMed
    • Enroll in 1Dental
    • Find a Dentist
    • Discount vs Insurance
    • Preferred Plan
    • Plan Features
    • Exact Prices - Careington
    • Est. Costs Dental Access
    • Filings
    • Crowns
    • Orthodontics
    • Root Canal
    • Implants
    • EMERGENCY Plan
    • About 1Dental
    • 1Dental Guarantee
    • 1Dental Testimonials
    • Vision Included!
    • Employer Group Dental/Eye
  • Prescription - Labs
    • My Free Pharmacy
    • RxGo.com
    • UltaLab
  • Medicare Supplement
    • Impact Share - Over 65
  • DPC
    • What is a DPC
    • Locate a DPC
    • Attention- DPC Owners
  • Virtual DPC
    • MedLion DPC
  • Virtual Care
    • Virtual HealthCare
  • Cost Reducing Tools
    • HMA
    • SesameCare
  • Health Resources
    • Why you need Anacardic
    • Resource for Anacardic
    • Berkey Water Systems
    • Check my water quality!
    • Berkey Water Blog & More
    • Berkey WaterFurtherdetail
    • Health Ranger Store
    • 30% off FullScript
    • 15% off Z- Stack
    • Self Decode
  • Testimonials
  • Chinese Translation
  • Korean Translation
  • Key2Wellness
  • Identity Shield
  • Charity
  • Join my MPB Advisor Team
  • The Wellness Company

MPB.Health

MPB.Health is part of a national movement to change healthcare.


MPB.Health is a community of like-minded, freedom-focused, health-minded individuals focused on providing a cost-saving alternative that delivers better access to high-quality health care services. 

MPB.Health Memberships consists of multiple components to create a COMPLETE private healthcare solution for both INDIVIDUALS and BUSINESSES


All MPB.Health Memberships Include: 


The MPB.Health Concierge Team 

  • Monday - Friday from 9am to 8pm EST 1-800-519-2969
  • All new members schedule a “Welcome Call” at a time that is convenient to them once their membership has begun. 
  • You will receive the booking link for your 1:1 30 min call upon enrollment
  • You may have another call or call for any question or concern - they are your concierges!
  • The MPB.Health Concierge team is there to assist you with all aspects of your membership

MPB.Health SECURE

MPB.Health SECURE Membership - includes:


  • Meets all state mandates - (NJ, CA, VT, MA, RI, DC)
  • Eligibility: Sole Proprietors, Free lancers, 1099recipients & Employees of a business account with MPB.Health
  • Full ACA Preventative at no cost
  • No waiting period
  • Health Savings Account Compatible - see details below 


  • There are 64 preventative screening and services 
  • MPB.Health is now immanently going toward OPEN ACCESS meaning that you may use any physician willing to bill. Until then, you must remain in the PHCS MultiPlan network
  • 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 Preventative Services

  • Annual Preventative Exams - Annually for adults. 
  • Well baby per baby schedule - 6 visits during the first year of life, 7 times between yr 1-4
  • Annual Paps and Screenings for STDs  for women age 21 to 65
  • Mammograms - 2D - 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
  • Please note that all services and screenings are per government guidelines and are subject to change
  • More info - visit healthcare.gov/preventative

Health Savings Account

HSA Compatibility with MPB.Health SECURE


  • Money set into a HSA is never taxed and grows tax free
  • Can be used for medical expenses - pre-tax or, taken as income after age 65. This is like a IRA for Medical Savings as well as retirement income.


MPB.Health SECURE Plan offers you a

Fantastic Opportunity to Contribute to a Health Savings Account


Current contribution / Shelter limits are:


$3,650 for Individuals

$7,300 for Couples or Families

Additional $1,000 if you are over age 55

Make a contribution by April 15 for a deduction in 2022


Two Resources for you - Or check your bank

Resource HSA Bank

Resource Fidelity Bank

No minimums Simple Set up - Done within Minutes 

FAQ's

Learn more about HSA

MPB.Health DIRECT

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)

View Monthly Membership Cost
Concierge Care Health Care

MPB.Health Care Plus

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

View Monthly Membership Cost

MPB.Health Essentials

All of  MPB.Health Features - NO insurance or Cost Sharing

  • Great compliment to Medicare
  • Can compliment an in place insurance policy
  • $49 Individual, $59 Member + 1, $69 Family

View Monthly Memebership Cost

scroll to compare Membership Monthly costs

    Download MPB.Health Membership PDFS

    Care+ 2022 (pdf)Download
    Secure 2022 (pdf)Download
    Direct 2022 (pdf)Download
    Healthcare Essentials (PDF)Download
    Pros and Cons of MPB.Health (PDF)Download

    ALL MPB.HEALTH MEMBERSHIPS INCLUDE:

    MEDICAL COST SHARING

    • 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

    Unlimited Virtual HealthCare


    • 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 do call Virtual Care or go to Urgent Care prior to an ER visit if appropriate. 
    • Primary Care, Pediatric Care, Women's Healthcare and Behavioral Health Specialists
    • Traditional Medical solutions as well as more natural options
    • Doctors can prescribe medications for many different health issues. Not appropriate for controlled substances.
    • Virtual Healthcare allows you to create an ongoing care solution. 
    • You do not need repeat your case or symptoms each time you communicate.
    • HIPPA Compliant platform

    MPB.Health Integration with Nationwide Platform of Specialists in Cash Pay platform

    • Typically specialists like Rheumatologists, etc are difficult to get an in person visit with without waiting months.
    • This nationwide platform allows a type of priority waiting period to expedite your access into a timely appointment.
    • These providers are already onboard with a cash pay situation.

    MEMBER ASSISTANCE PROGRAM

    MENTAL HEALTH AND COUNSELING

    • 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

    Unlimited Access to Impact Suite

    • MPB.Health has partnered with Impact Suite to bring you free premium access to its suite of life-changing apps. Join hundreds of thousands of individuals in nearly 150 counties who have found long lasting healing and recovery. 
    • Impact Suite provides virtual, evidence based solutions for those facing depression, anxiety, chemical dependency, sexual compulsivity, or simply wanting to improve their life generally.
    • There are no charges or limits on usage within the MPB.Health Membership

    Member Assistance Program: Legal Resources:


    • 100 plus common legal forms - (A very small preview list)
    • A useful library from NOLO Legal Press to help with many common legal situations, choose from authorizations, agreements, notices, estate documents, and much more.
    • Businesses & Corporations: Business Financing, Business Legal Concerns, Business Legal Structures, Business Taxes. Buying and Selling a Business, Choosing a Business Name, Corporations, Evaluating your business idea, Finding and renting space for your business, Home Businesses, Investing in a Business, Limited Liability Companies, Marketing and Advertising, Non-Profit organizations, Partnerships, Sole Proprietorships, Starting a business, Writing a Business Plan.
    • Caring for Children: Adoption, Guardianship of Children, 



    Member Assistance Program - Financial Resources

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

    Member Assistance Program - Professional Growth and Business Resources:

    • 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

    Member Assistance Program - Resources for Employers & Businesses


    • Advanced Human Resource Support
    • Consulting and Leadership Skills
    • Coaching for Employers
    • Company Culture
    • Team Building 

    Discounts on Alternative Care

    • 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%

    Concierge Pharmacy

    •  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! 


    Learn more

    Concierge Lab

    Concierge Lab Testing Resources

    • Your personalized MPB.Health card will indicate the nearest lab resources with self pay discounts
    • The Concierge will provide assistance with any labs you or your doctor may want

    Medical Records Vault

    • Secure 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.

    QR Life Code

    • 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.

    End of Life & Funeral Expenses

    After 1 year of continuous membership

    • 10K for the primary member 
    • 10K for the secondary member/spouse
    • 2.5 K for any dependent children


    Personalized Membership Cards

    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.

    MPB.Health App

    MPB.Health Member Resources are currently available online.

     The MPB.Health App is coming soon.

    Sharing the Love to Grow the Membership

    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

    Book a Virtual HealthCare Solution "party"

    You have me as well as the MPB.Health Concierge for all your needs/ questions, etc.

    • Book at 15 min call if you need me - or just text/call me
    • My members can join my Private MPB.Health Facebook group
    • You will be given access upon enrollment

    Fullscript

    Full Access to my Professional Vitamin and Supplement Account

    30 PERCENT OFF All Supplements and Products


    For viewing this presentation page - I am granting you full access to my personal healthcare professional account


    Be Blessed! Stay Healthy. Save BIG!


    You are invited to create an account and save 30 percent


    Over 180 Name Brands such as Pure Encapsulations, Life Extension, etc.

    Over 20,000 items in full.

    Save 30 Percent

    Want to add Dental & Vision?

    • Preferred Plan includes both the Care 500 as well as Dental Access powered by Aetna - Over 60,000 Providers
    • Extremely inexpensive; $99 single, $149 couple, $179 family or group of 3-10 plus a one time set up fee $20
    • All dental services, othodontics, oral surgery, etc.
    • Vision exam discount, Discount on Glasses and Contacts

    Learn More

    Medical Savings Matching Account

    • 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)

    Learn more

    List Of Covered Services

    Backed by Visa Bancorp


    • Elective Procedures (Lasik, Plastic Surgery, etc. With MD Surgeons Only)
    • Monthly Payments For Direct Primary Care And Concierge Medical Services (Mail-in Reimbursement Only)
    • Chiropractors (Limited To Two Services Per Month Per Account)
    • Ambulance Services (Ground Only)
    • Laboratory/Medical/Dental/Ophthalmic Hospital Equipment And Supplies
    • Dentists, Orthodontists
    • Osteopathic Physicians
    • Optometrists, Ophthalmologists
    • Opticians, Optical Goods And Eyeglasses
    • Chiropodists, Podiatrists
    • Hospitals
    • Medical And Dental Laboratories
    • Drug Stores, Pharmacies (No Sundries/Mail-in Reimbursement Only On Grocery Store Pharmacy Purchases)
    • Hearing Aid – Sales, Service, Supply Stores
    • Orthopedic Goods – Prosthetic Devices
    • Counseling Service – Performed By PsyD Or PhD

    Details

    • 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. 

    Enroll in HMA

    More Testimonials

    View More

    Individuals, Couples & Families

    Individuals, Couples & Families

    Individuals, Couples & Families

    Start up and yearly renewal costs: Individuals

    • MPB.Health requires a one-time membership fee of $125 
    • Annual Renewal of $25


    NEXT STEPS


    • Individuals - Please schedule a time on my Calendly link or call me at 845-641-9123 to speak about further 1:1 questions or concerns


    ENROLLMENT:

    • Please schedule an enrollment appointment - either zoom or phone support is provided to afford a seamless and efficient enrollment experience 
    • Please schedule a time on my Calendly link or call me at 845-641-9123 to arrange this.
    • Please have your Social Security Numbers ready (Only required for MPB.Health SECURE Membership) 
    • Membership costs are best handled by a monthly Automatic Withdrawal. Please have your bank’s Routing and Account number to set up automatic withdrawal.
    • Membership costs can be paid by a credit card. There is a 3 percent charge for this payment method.
    • Members may change how they contribute to their membership (credit card or automatic withdrawal) at anytime

    Calendly

    Employers & Businesses

    Individuals, Couples & Families

    Individuals, Couples & Families

    Start up and costs for businesses: 

    Min 3 memberships for Employer Account


    • $200 List bill and landing page 
    • No enrollment or renewal fees for employees of business accounts


    Why MPB.Health is a natural fit for businesses


    • Attract and retain employees 
    •  401(K) is an additional optional Add on
    • All Employees using Secure can have an HSA
    • All employer groups have their own company landing page with logo
    • Complimentary quote 
    • Employers will benefit from an easy List bill arrangement
    • Employers can optionally choose to contribute funds for their employees membership 
    • Merely having the MPB.Health memberships in place with an easy payroll deduction option is perceived as a benefit
    • Pay List Bill easily and quickly with the click of a button
    • Employees have the option to maintain their memberships after leaving your employ
    • Employer List bill agreement must be completed by the 10th of the month preceding anticipated start date & enrollments by the 20th preceding start date


    NEXT STEPS

    • Employers - Please schedule a time on my Calendly link or call me at 845-641-9123 
    • We will set up the List Bill Agreement, employer education & commence enrollments.

    calendly

    Karen Torsoe

    Karen@MyMPB.com


    TheHealthShareLady@icloud.com


    calendly.com/thehealthsharelady


     P: (845) 641-9123 

    E: TheHealthShareLady@Icloud.com  

    Explore More


    • Join my Zoom Room
    • Calendy - Schedule a call
    • MPB.Health-VIP MedFreedom
    • MPB.Health Essentials
    • Health Savings Accounts
    • Employer Group-MPB.Health
    • 1Dental - EyeMed
    • Enroll in 1Dental
    • RxGo.com
    • UltaLab
    • HMA
    • 30% off FullScript
    • 15% off Z- Stack
    • Identity Shield
    • Join my MPB Advisor Team
    • The Wellness Company

    Schedule a 1:1 Zoom or Phone Consulation - Click X to cancel