( IUA) is the personal responsibility of the member for their medical needs. All quali ied medical expenses after the IUA is met are shareable with the Medical Cost Sharing community. The higher IUA you choose, the lower your monthly contribution
Maximum Number of IUA’s
Annually - 3 per membership unit. Medical Supplies - Medical supplies directly aid in the treatment or recovery of a shareable medical need and generally shareable within 120 days of the treatment start date as prescribed by a licensed medical provider. Supplies costs need to be over $100 to be shared. The Medical Cost Sharing Community in the retail or fair costs when applicable and
encourage members to utilize alternative vendors such as local pharmacy or medical supply stores.
Prescription Drugs -
Prescriptions for medication(s) that are bi l led by a provider and are related to a qualified Need are also considered shareable. With your Medical Cost Sharing providers approval , large prescription costs associated with a Need that are filled at the pharmacy can be shared. Does not include maintenance medications.
Pre-Existing Conditions -
24-month look-back: no sharing for pre-x year 1, up to $25K sharing year 2, up to $50K sharing year 3, up to $125K year 4+. (Exceptions for High Blood Pressure, High Cholesterol & Diabetes).
Maternity Benefits - As with any other medical need, expectant mothers pay a single IUA for all expenses related to their maternity need. Shareable expenses may be related to miscarriage, prenatal care, postnatal care, and delivery. STD screenings prescribed by a licensed practitioner as part of routine prenatal care are shareable as part of the maternity need.
Therapies - Physical Therapy Shareable for inpatient treatment/up to 35 outpatient sessions per need. Speech Therapy - Shareable in relation to an illness, injury or accident/up to 35 outpatient visits per condition. Occupational Therapy - Shareable for inpatient treatment and up to 35 outpatient sessions per need, up to $7,500. Therapeutic Massage Therapy - Shareable if prescribed by a licensed medical provider related to a shared need, up to 25 sessions and up to $3,000.
Alternative Care Treatment -
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.
End of Life Assistance - 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,
$2,500 Dependent Child.
Tobacco Use - Medical needs for tobacco users age 50 and older are limited to $50,000 for each of the following four disease categories: Cancer, Heart conditions, COPD and Stroke.
Sharing Limits - No annual or lifetime limits unless restricted by a pre-existing condition.
OUR Primary docs offer $0 co-pay for Preventive & primary care services provided in-office.
Direct Primary Care (DPC) is an innovative, membership based payment model that significantly increases access and time spent with your chosen healthcare professional. No fee-for-service payments. The defining element of a DPC practice is with the ongoing, trusted relationship between patient and his or her primary care provider.
As easy as texting a friend, members may access our multi-specialty, licensed physicians (not a bot) on their own time, whenever and wherever. Through a convenient web and mobile experience, members are free to text directly with our providers to get the answers they need, including access to additional support.
Integrated behavioral model using a team of multi-specialty clinicians to assess, diagnosis, treat, or coordinate a referral. Using evidence-based best practices to implement measurement-guided care plans for both medication
management and evidence-based therapy for the now issues.
An organized way to share in one another's medical burden
Medical Cost Sharing consists of a large community of health-conscious individuals.
Who Voluntarily contribute a monthly share amount towards each other’s healthcare expenses.
Everyone Accepted: We do not decline anyone for prior medical conditions or religious beliefs.
Shared Medical Costs: We share each others medical costs as a community of like minded individuals.
Healthy Living: We process medical needs quickly for our members, within weeks not months.
Gain Freedom: Our members can work with any provider without network restrictions.
No Annual Caps: Our sharing program does not have annual or lifetime caps on your need
Worldwide: Share in a medical costs when on a vacation or serving a mission outside the
Three Simple Responsibility Options:
The Initial Unshareable Amount(IUA) is the personal responsibility of the member for their medical needs. All qualified medical expenses after the IUA is met are shareable with the Medical Cost Sharing community. The higher IUA youchoose, the lower your monthly contribution.
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• Community of like-minded members sharing medical expenses.
• Low monthly amount and total financial
• Sharing is Need based not an annual
• Initial Unshareable Amounts ($1,000,
• Member responsibility includes being health focused.
A team of dedicated agents that will help members navigate the healthcare system and receive the best care possible. The Concierge is focused on supporting and guiding you every step of the way through your healthcare journey.
Our Concierge Team guides you in navigating any health care need such as: providers, medical facilities, medications, labs and behavioral healthcare.
Shop for high quality affordable healthcare, compare price ranges and view quality ratings for doctors and hospitals.
Care Connect delivers next-generation healthcare transparency to members by identifying and partnering with the highest quality providers and negotiating a single bundled payment for surgical cases over $5k.
Our Concierge will search to find the best possible pricing for your medications at a pharmacy near you. Use our sources for high-cost prescriptions and maintenance medications.
• We enter your prescription information into our search engine and give you a list of your local pharmacies with the cost of your prescription at each location.
• Look through your list of options and decide which is the best pharmacy for you.
• Keep a full history of your prescriptions, so you can see what medication you have taken, and when.
• Access to any and all Manufacturer Savings Programs, Patient Assistance Programs and other savings and discounts offered by pharmaceutical manufacturers.
• For more expensive medications we have resources who can get medications from overseas to our members at a better cost. They help with high-cost maintenance meds like insulin, medicated creams, and asthma
This program provides members with a way to find help for dealing with personal and work-related issues. Without this help, these issues could decrease members’ quality of life, interfere with job performance, reduce profits and decrease the organization’s productivity.
Grief & Loss
Nationwide provider network with thousands of clinicians
Dedicated client solution specialist
Counseling: Live interactive, HIPAA compliant, virtual, face to face, telephonic.
Personal Navigation: In all areas of work/life convenience (child/eldercare, housing assistance, local community-based resources, etc.)
Elder Care and Financial: Telephonic consulting, tailored eldercare counseling & resources, plus financial wellness counseling provided by experts in their field.
Online Training Library: Thousands of virtual work/life trainings & ability to track progress
Access to COMPASS: Advanced HR support & assistance in professional development
Secure & Accessible emergency Profile & Personal Health Records
Members can grant access to their Electronic Medical Records to practitioners, providers, facilities, etc. providing continuity of care. Health Tracking provides family members and caregivers the ability to record vital health observations easily and privately.
The Personal Medical Record Vault provides members with secure emergency personal medical profiles & five digit LifeCode IDs. Members can access and safely share their medical records, track health conditions, and get better healthcare solutions
WHOLE HEALTH LIVING
Access to more than 35,000 providers, discounts & more than 35 complementary & alternative medicine specialties
Web portal allows members to print their discount coupons directly without having to wait for an authorization or benefit approval.
Discounts may include:
• Mind & Body: Acupuncture, Chiropractic, massage therapy, natural healing, physical & occupational therapy and relaxation
• Movement: Accessories & equipment, personal training, pilates, tai chi & Qi Gong & yoga