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Affordable Health Care Sharing Options Alternatives to the marketplace coverage

Healthcare sharing plans that
protect your family at a lower cost

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Get Access to Great Healthcare Through a Healthsharing Program

If you are looking for an alternative to the traditional health insurance market, but still want the security and top level medical care at an affordable price, these programs may be right for you.

Affordable low cost options
Coordinated care
Nationwide healthcare networks
Medical assistance at home or on the go
Access to top rated board certified physicians
Shared responsibility plans to save you money
A young couple looking forward to saving money on affordable coverage options

Non-denominational health share plans are available to purchase year round

With the every increasing rates of health insurance each year more consumers are opting out of the traditional health insurance route and jumping on board with health sharing programs or other alternatives.  Some may even feel like not carrying any health coverage at all leaving their families vulnerable to large out of pocket expenses in the event of a medical emergency. 

Health sharing programs take a different approach to protecting its members by offering both standard plans and more comprehensive options to encase all families needs.  Typically these plans are organized under a various ministries or other religious organizations, healthcare sharing programs are able to operate outside of the traditional scope of medical insurance.  These allow the plans to operate at a cost that is substantially less than their traditional health insurance counterparts, while still offering the protection that families are looking for.

What Is A Healthcare Sharing Program?

These are faith-based programs, albeit with various affiliations and different religious denominations that facilitate voluntary sharing of risk among members for eligible medical expenses.  Specifically, members submit their monthly shares (similar to premiums) which are then distributed to qualified members with approved medical expenses in accordance to their program guidelines.  They are built on the principle of people with similar beliefs and values who have come together to share each other’s hardships, which has a similar structure to the risk-pooling in which standard health insurance policies abide by.

Although one major impact that these plans have had on the public is that they create an affordable method of obtaining protection from medical costs at a much lower cost to the consumer.  Eligible members in the healthcare sharing programs can expect premiums of $300 to $500 per month, compared to the traditional health insurance for an average unsubsidized family plan through the marketplace can run around $1500 per month.  It becomes very clear why these plans have gained traction for those families who do not qualify for premium assistance either due to income restrictions or the availability of group coverage.

It is important to remember that healthcare sharing programs are not health insurance policies.  A big reason why the cost difference is so great is that they do not have to abide by the ACA laws that govern health insurance plans.  They may offer more limited coverage to suit a lower budget and many limitations of the programs are there to manage potential costs and claims of the healthcare sharing program as well as following the faith-based nature of the program to follow the values of the like-minded consumers.

Keep in mind that the programs do fulfill the mandate set forth by the Affordable Care Act (ACA) mandating that individuals carry health insurance.  While this may be a moot point in terms of the actual penalty thanks to the latest legislative changes, you can rest assured you are at least meeting that requirement and have one less thing to worry about.

In order to become a member, many healthcare sharing programs require that you agree with a statement of faith, or attestation that states your values and verifies your status as a like-minded member of the program. 

Why Are More People Choosing Healthsharing?

Affordable Alternatives

Both individual and family options are offered at a competitively low cost by providing access to healthcare base on a community of member sharing and responsibility.

Nationwide Protection

By offering the largest networks available to its members, these plans are able to contract with over 1 million providers nationwide to cover your families medical needs wherever you are.

Healthcare Cost Sharing

Healthcare that is strengthened by a community of like-minded individuals sharing medical expenses to lower the overall cost of their healthcare.

Advanced Medical Treatment

Plans offer the convenience of access to a doctor all hours of the day, 365 days a year, without the need to miss out of work due to an appointment conflict with your busy schedule. 

Low Cost Options

By offering varying levels of coverage, the consumer is able to select the plan that not only fits their needs, but at an affordable budget that suits their pocketbook.  

Access to Telemedicine

Many of the programs include free access to telemedicine services, so that you can get quick answers from the comfort of your own home.  No more trips to urgent care for minor issues!

Check out a brief overview on plan options:

This is an example of coverage and not a guarantee of benefits.  Please consult with an agent to verify accurate coverage details.  All benefits shown are accurate as they were written, benefits are subject to change.

Standard Plans

Save more with standard plans.

Comprehensive Plans

Get comprehensive plans similar to Major Medical.

Short Term Options

Get temporary coverage for a period of time.

Standard Plans

Value

Plus

Premium

Value Plan Highlights:

A cost saving plan that grants basic coverage at an affordable rate.

Plan Offerings

Multiplan PHC
(in-network)

Out of Network

Telemedicine

Free

Not Eligible

Wellness and Preventive Care

Unlimited

Not Eligible

Primary Care

1 Per Year | $20 Consult Fee

Not Eligible

Urgent Care

Not Eligible

Not Eligible

Labs and Diagnostics

Included at PCP

Not Eligible

X-Rays

Not Eligible

Not Eligible

Chronic Maintainance

Not Eligible

Not Eligible

Pediatrics

Preventive Care Only

Not Eligible

OB/GYN

Preventive Care Only

Not Eligible

Prescription Discount

Included

Not Eligible

Specialty Care

Not Eligible

Not Eligible

Maternity

Not Eligible

Not Eligible

Emergency Room

Full MSRA

Not Eligible

Inpatient Hospitalization

100% after MSRA

Not Eligible

Inpatient Surgical

100% after MSRA

Not Eligible

Outpatient Hospitalization

Not Eligible

Not Eligible

Outpatient Surgical

100% after MSRA

Not Eligible

Plus Plan Highlights:

A middle tier plan that grants additional coverage at a great rate for the typical consumer. 

Plan Offerings

Multiplan PHC
(in-network)

Out of Network

Telemedicine

Free

Not Eligible

Wellness and Preventive Care

Unlimited

Not Eligible

Primary Care

3 Per Year | $20 Consult Fee

Not Eligible

Urgent Care

1 Per Year | $20 Consult Fee

Not Eligible

Labs and Diagnostics

Eligible at PCP or Urgent Care

Not Eligible

X-Rays

Eligible at Urgent Care

Not Eligible

Chronic Maintainance

Not Eligible

Not Eligible

Pediatrics

Preventive Care Only

Not Eligible

OB/GYN

Preventive Care Only

Not Eligible

Prescription Discount

Included

Not Eligible

Specialty Care

Not Eligible

Not Eligible

Maternity

Not Eligible

Not Eligible

Emergency Room

Full MSRA

Not Eligible

Inpatient Hospitalization

100% after MSRA

Not Eligible

Inpatient Surgical

100% after MSRA

Not Eligible

Outpatient Hospitalization

Not Eligible

Not Eligible

Outpatient Surgical

100% after MSRA

Not Eligible

Premium Plan Highlights:

The higher tier plan that grants the most amount of coverage in this category.

Plan Offerings

Multiplan PHC
(in-network)

Out of Network

Telemedicine

Free

Not Eligible

Wellness and Preventive Care

Unlimited

Not Eligible

Primary Care

5 Per Year | $20 Consult Fee

Not Eligible

Urgent Care

2 Per Year | $20 Consult Fee

Not Eligible

Labs and Diagnostics

Eligible at PCP or Urgent Care

Not Eligible

X-Rays

Eligible at Urgent Care

Not Eligible

Chronic Maintainance

Eligible at Primary Care

Not Eligible

Emergency Room

$300 Consult Fee

Not Eligible

Prescription Discount

Included

Not Eligible

Specialty Care

$75 Consult Fee + Cost of Visit
Plan Pays: 100% | You Pay: 0%

Not Eligible

Pediatrics

$75 Consult Fee + Cost of Visit
Plan Pays: 100% | You Pay: 0%

Not Eligible

OB/GYN

$75 Consult Fee + Cost of Visit
Plan Pays: 100% | You Pay: 0%

Not Eligible

Maternity

Eligible

Not Eligible

Inpatient Hospitalization

100% After MSRA

Not Eligible

Inpatient Surgical

100% After MSRA

Not Eligible

Outpatient Hospitalization

Not Eligible

Not Eligible

Outpatient Surgical

100% after MSRA

Not Eligible

Comprehensive Plans

Bronze

Silver

Gold

Bronze Plan Highlights:

An entry level plan that grants comprehensive coverage at an affordable rate with higher out of pocket costs for consults.

Plan Offerings

Multiplan PHC
(in-network)

Out of Network

Telemedicine

Free

Not Eligible

Wellness and Preventive Care

Unlimited

Plan Pays: 50% | You Pay: 50%

Primary Care

$50 Consult Fee

Plan Pays: 50% | You Pay: 50%

Specialty Care

$125 Consult Fee

Plan Pays: 50% | You Pay: 50%

Pediatrics

$125 Consult Fee

Plan Pays: 50% | You Pay: 50%

OB/GYN

$125 Consult Fee

Plan Pays: 50% | You Pay: 50%

Urgent Care

$100 Consult Fee

Plan Pays: 50% | You Pay: 50%

Emergency Room

$500 Consult Fee

$500 Consult Fee

Maternity

Prenatal: Included | Delivery: Included

Prenatal: Included | Delivery: Included

Generic & Non-preferred Prescription

Discount | No Cost Sharing

Not Eligible

Preferred Prescription

Discount | 50% Cost Sharing

Not Eligible

Mail Order Prescription

Discount | 75% Cost Sharing

Not Eligible

Inpatient Hospitalization

Plan Pays: 60% | You Pay: 40%

Plan Pays: 50% | You Pay: 50%

Inpatient Surgical

Plan Pays: 60% | You Pay: 40%

Plan Pays: 50% | You Pay: 50%

Outpatient Hospitalization

Plan Pays: 60% | You Pay: 40%

Plan Pays: 50% | You Pay: 50%

Outpatient Surgical

Plan Pays: 60% | You Pay: 40%

Plan Pays: 50% | You Pay: 50%

Silver Plan Highlights:

A middle tier plan that grants comprehensive coverage at an affordable rate, granting cost effective out of pocket costs for consults.

Plan Offerings

Multiplan PHC
(in-network)

Out of Network

Telemedicine

Free

Not Eligible

Wellness and Preventive Care

Unlimited

Plan Pays: 60% | You Pay: 40%

Primary Care

$35 Consult Fee

Plan Pays: 60% | You Pay: 40%

Specialty Care

$75 Consult Fee

Plan Pays: 60% | You Pay: 40%

Pediatrics

$75 Consult Fee

Plan Pays: 60% | You Pay: 40%

OB/GYN

$75 Consult Fee

Plan Pays: 60% | You Pay: 40%

Urgent Care

$75 Consult Fee

Plan Pays: 60% | You Pay: 40%

Emergency Room

$300 Consult Fee

$500 Consult Fee

Maternity

Prenatal: Included | Delivery: Included

Included

Generic & Non-preferred Prescription

Discount | No Cost Sharing

Not Eligible

Preferred Prescription

Discount | 50% Cost Sharing

Not Eligible

Mail Order Prescription

Discount | 75% Cost Sharing

Not Eligible

Inpatient Hospitalization

Plan Pays: 70% | You Pay: 30%

Plan Pays: 60% | You Pay: 40%

Inpatient Surgical

Plan Pays: 70% | You Pay: 30%

Plan Pays: 60% | You Pay: 40%

Outpatient Hospitalization

Plan Pays: 70% | You Pay: 30%

Plan Pays: 60% | You Pay: 40%

Outpatient Surgical

Plan Pays: 70% | You Pay: 30%

Plan Pays: 60% | You Pay: 40%

Gold Plan Highlights:

A high tier plan that grants the most comprehensive coverage while keeping consult fee’s lower than other options.  (ideal for those who frequent the doctors office)

Plan Offerings

Multiplan PHC
(in-network)

Out of Network

Telemedicine

Free

Not Eligible

Wellness and Preventive Care

Unlimited

Plan Pays: 70% | You Pay: 30%

Primary Care

$20 Consult Fee

Plan Pays: 70% | You Pay: 30%

Specialty Care

$75 Consult Fee

Plan Pays: 70% | You Pay: 30%

Pediatrics

$75 Consult Fee

Plan Pays: 70% | You Pay: 30%

OB/GYN

$75 Consult Fee

Plan Pays: 70% | You Pay: 30%

Urgent Care

$75 Consult Fee

Plan Pays: 70% | You Pay: 30%

Emergency Room

$150 Consult Fee

$300 Consult Fee

Maternity

Prenatal: Included | Delivery: Included

Included

Generic & Non-preferred Prescription

Discount | No Cost Sharing

Not Eligible

Preferred Prescription

Discount | 50% Cost Sharing

Not Eligible

Mail Order Prescription

Discount | 75% Cost Sharing

Not Eligible

Inpatient Hospitalization

Plan Pays: 80% | You Pay: 20%

Plan Pays: 70% | You Pay: 30%

Inpatient Surgical

Plan Pays: 80% | You Pay: 20%

Plan Pays: 70% | You Pay: 30%

Outpatient Hospitalization

Plan Pays: 80% | You Pay: 20%

Plan Pays: 70% | You Pay: 30%

Outpatient Surgical

Plan Pays: 80% | You Pay: 20%

Plan Pays: 70% | You Pay: 30%

Short Term Medical

Value

Plus

Premium

Value Plan Highlights:

A cost saving plan that grants basic coverage at an affordable rate for a period of 30-364 days of coverage.

Plan Offerings

Multiplan PHC
(in-network)

Out of Network

Telemedicine

Free

Not Eligible

Wellness and Preventive Care

Not Eligible

Not Eligible

Primary Care

Plan Pays: 70% | You Pay: 30%

Not Eligible

Specialty Care

$75 Consult Fee + Cost of Visit
Plan Pays: 70% | You Pay: 30%

Not Eligible

Pediatrics

$75 Consult Fee + Cost of Visit
Plan Pays: 70% | You Pay: 30%

Not Eligible

OB/GYN

$75 Consult Fee + Cost of Visit
Plan Pays: 70% | You Pay: 30%

Not Eligible

Maternity

Not Eligible

Not Eligible

Prescription Discount

Not Eligible

Not Eligible

Emergency Room

Plan Pays: 70% | You Pay: 30%

Not Eligible

Inpatient Hospitalization

Plan Pays: 70% | You Pay: 30%

Not Eligible

Inpatient Surgical

Plan Pays: 70% | You Pay: 30%

Not Eligible

Outpatient Hospitalization

Not Eligible

Not Eligible

Outpatient Surgical

Plan Pays: 70% | You Pay: 30%

Not Eligible

Plus Plan Highlights:

A competitive cost plan that grants advanced coverage at an affordable rate for a period of 30-364 days of coverage.
* Restrictions apply please consult with an agent for further details

Plan Offerings

Multiplan PHC
(in-network)

Out of Network

Telemedicine

Free

Not Eligible

Wellness and Preventive Care

Not Eligible

Not Eligible

Primary Care

1 Visit | $50 Consult Fee *

Not Eligible

Urgent Care

1 Visit | $100 Consult Fee

Not Eligible

Specialty Care

$75 Consult Fee + Cost of Visit
Plan Pays: 75% | You Pay: 25%

Not Eligible

Pediatrics

$75 Consult Fee + Cost of Visit
Plan Pays: 75% | You Pay: 25%

Not Eligible

OB/GYN

$75 Consult Fee + Cost of Visit
Plan Pays: 75% | You Pay: 25%

Not Eligible

Maternity

Not Eligible

Not Eligible

Prescription Discount

Plan Pays: 75% | You Pay: 25%

Not Eligible

Inpatient Hospitalization

Plan Pays: 75% | You Pay: 25%

Not Eligible

Inpatient Surgical

Plan Pays: 75% | You Pay: 25%

Not Eligible

Outpatient Hospitalization

Not Eligible

Not Eligible

Outpatient Surgical

Plan Pays: 75% | You Pay: 25%

Not Eligible

Premium Plan Highlights:

A more comprehensive plan that grants the highest level of coverage for a period of 30-364 days.

Plan Offerings

Multiplan PHC
(in-network)

Out of Network

Telemedicine

Free

Not Eligible

Wellness and Preventive Care

Not Eligible

Not Eligible

Primary Care

31 – 59 Days: 1 Visit
60 – 180 Days: 2 Visits
181-364 Days: 3 Visits
$50 Consult Fee

Not Eligible

Urgent Care

1 Visit | No Consult Fee

Not Eligible

Emergency Room

1 Visit | $300 Consult Fee

Not Eligible

Specialty Care

$75 Consult Fee + Cost of Visit
Plan Pays: 80% | You Pay: 20%

Not Eligible

Pediatrics

$75 Consult Fee + Cost of Visit
Plan Pays: 80% | You Pay: 20%

Not Eligible

OB/GYN

$75 Consult Fee + Cost of Visit
Plan Pays: 80% | You Pay: 20%

Not Eligible

Maternity

Not Eligible

Not Eligible

Prescription Discount

Plan Pays: 80% | You Pay: 20%

Not Eligible

Additional Visits to Emergency Room

Plan Pays: 80% | You Pay: 20%

Not Eligible

Inpatient Hospitalization

Plan Pays: 80% | You Pay: 20%

Not Eligible

Inpatient Surgical

Plan Pays: 80% | You Pay: 20%

Not Eligible

Outpatient Hospitalization

Not Eligible

Not Eligible

Outpatient Surgical

Plan Pays: 80% | You Pay: 20%

Not Eligible

How is Healthcare Sharing Different From Traditional Insurance Plans?

With a traditional health insurance plan, premiums are sent to the insurance company each month.  Every time that a member goes to the doctor or services are rendered, additional payments are made through the form of a co-pay.  These costs typically do not go towards the members deductible.  Alternatively when a member needs lab work (IE: X-rays, blood drawn, etc.) the member pays the full cost up until they have met their deductible, and then only a portion of the remaining bill is covered by their insurance.

Some plans have separate drug/prescription deductibles that the member needs to meet, outside of their regular deductible.  Many of the prescriptions are subject to co-pays which again may not go towards your separate plan deductible, and further driving your cost for care up.

With a healthcare sharing program, individuals have agreed to take control of their own healthcare, making decisions to keep themselves healthy.  Often times a sharing program will have the members attest to a statement of faith stating they will abstain from unhealthy lifestyles such as:

  • Drinking
  • Smoking
  • Using drugs
  • Illicit behavior that increases your chances of harm
  • Dangerous activities that could injure yourself

Overall cost of these programs then in turn are naturally lower than their counterparts due to the savings from the plan, but also in lifestyle choices.  Members who are healthier typically have lower medical bills than those who rely on their insurance company to take care of their issues for them.

woman_cropped_healthcare_sharing

Does This Sound Like The Right Fit For You?

Let us assist with your plan selection and walk you through the enrollment process!