Medical Solutions
The ability to seek necessary medical service when you are sick or hurt is our goal.
Medical Cost Sharing is an innovative solution to managing your larger healthcare costs. It gives you the opportunity to take the lead in your healthcare choices without surprise bills or network hassles.
Members commit to living a healthy lifestyle and managing their healthcare costs in a direct way. This helps everyone’s costs low and gives us the opportunity to lift each other’s burdens when the going gets tough.
We always attempt to support our Members with outstanding service when it comes to navigating the complex medical landscape.
Medical Cost Sharing is not insurance but is an allowed legal alternative under federal law.
Free to Choose Share Plan Overview
You are free to choose your own medical providers such as doctors, hospitals, clinics, labs, etc.
Teledoc
Online Doctor Visits
No co-pay
Paid 100%
Access to doctor via smart phone or computer
Personal Medical Assistant
Physician searches
Appointment scheduling
Counseling
Alternative medicine
Medical bill negotiation
Surgery cost savings
2nd Opinion
Available online to confirm diagnoses and alternatives
Prescription Drugs
Prescription buying services available through one of the following:
* Mail order through US Mail Order House
* Mail order through International Pharmacy
* Prescription coupons through GoodRx, Blink, and/or SingleCare
* Manufacturers discount, coupons, or co-pay card for selected high cost drugs
Initial Unshareable Amount (IUA)
-IUA: the participant cost per covered incident (maximum of 3 incidents per person and max 5 per family)
-Free to choose any doctor or hospital of your choice
-Must lead a healthy lifestyle - Statement of health lifestyle required (no illegal drug use and no intoxicated driving)
-Initial covered incidents provide covered prescription coverage for up to 120 days
-$500, $1000, $1500, $2500, & $5000 IUA options available
Partial List of Expenses Eligible for Sharing
Hospitalization * Surgery * Maternity (2 IUAs) * Primary Care * Specialty Care * Emergency Room * Curative Medications * Diagnostic Imaging * X-Rays * Inpatient & Outpatient Labs * Limited Maintenance Medication * Certain alternatives may be allowed if approved in advance
Things to Remember
- Present yourself as a self-pay patient
- If you know about a larger claim in advance, call the Share Plan so they may pre-negotiate the price
- If you don't know in advance, call after the claim so the Share Plan can post-negotiate the claim