Due to the ever-rising cost of health insurance premiums, finding alternatives to traditional health insurance, including participation in healthcare sharing programs, has dramatically increased. Typically, healthcare sharing programs operate outside of traditional health insurance, allowing them to operate at a cost that is substantially less than traditional health insurance. Savings compared to traditional plans, can be as much as 60% less.
Take a few minutes to check out the various options to provide coverage,
based on your need and your budget.
SMART CHOICE PLAN™
The Smart Choice Plan™ program has been created to provide an affordable alternative to typical expensive major medical health plans. The need for healthcare is always there. Your ability to afford it, is not. Right Choice Plan™ provides three different levels of coverage, Blue, Gold and Platinum.
Smart Choice Plan™ is designed to provide access to preventative care, Telehealth, chronic disease management and discounts on drugs and medical supplies for everyone ages 2 to 65. This service also provides access to online mental health and therapist services. (Mental Health Services for primary member only)
Gold Level provides hospitalization and out-patient surgery coverage, along with other benefits, through a healthshare plan. Allows individual to pick the most cost-effective coverage for hospital and surgical amounts, as well as access to physicians 24/7 via Telemedicine.
The Platinum Level provides the best of both worlds…..Direct Primary Care AND Hospitalization with Out-Patient Surgery Benefits. This level not only provides affordable unlimited doctor office visits and unlimited urgent care, but also hospitalization and out-patient surgery benefits, and many other benefits…ALL in one low price.
Unlimited Direct Primary Care
- Unlimited doctor office visits for $10 per visit
- Unlimited urgent care visits for $25 per visit
Chronic Disease Management
Unlimited treatment of certain chronic diseases. Acceptance of all pre-existing conditions.
- Blood Pressure
- Unlimited, 24/7 access to board-certified physicians via telehealth
- No co-payments
- Unlimited therapist access for mental health
- Prescription discounts up to 65%
- Dental discounts up to 50%
- Vision discounts up to 50%
- MRI and imaging discounts up to 70%
- Lab discounts up to 70%
- Diabetic supply discounts up to 70%
- Daily living supply discounts up to 10%
- If you have an immediate need for these types of medications, we include the top 95 most prescribed acute medications for a $5.00 payment, for up to a 21-day supply at over 64,000 pharmacies nationwide.
More Included Benefits
Couples Counseling – Allows couples to go through interactive technology to assist in growing and strengthening the relationship.
My Notification Services– In the event someone is unconscious, provides emergency personnel, via a sticker on driver’s license, information on individual’s emergency contact information, allergies, pet information, etc.
Evacuation and Repatriation – Provides up to $500,000 of coverage in the event covered person is traveling in a foreign country and needs medical assistance to get back to the U.S. for treatment along with money assistance in transferring remains.
IMPORTANT HEALTH SHARE TERMINOLOGY
- Health Share Program vs Insurance
- Member Responsibility Amount (MRA) vs Deductible
- Visit Fee vs Co-pay
- Eligible for Sharing vs Covered
- Monthly Contributions vs Premiums
- Medical Needs Fee vs Claims
- Shared Services vs Benefits
Another benefit to the healthshare program is that in some cases, coverage may be guaranteed issue, which means if you may have a health condition, you may still be eligible for coverage.
NOTE: If you are on COBRA currently, or other coverage, and wish to obtain new coverage, do not cancel coverage until you have been fully accepted. In other words, if you have a major health issue, stay where you are.
MRI/CT Scans and Imaging discounts. Up to 70% savings.
Lab Test discounts. Up to 70% savings.
Prescription discount card for up to 80% savings. Visit goodrx.com to check out drug pricing and participating pharmacies.
The Platinum Level provides the best of both worlds…..Direct Primary Care AND Hospitalization with Out-Patient Surgery Benefits.
The Smart Choice Plan™ – Platinum Level, not only provides affordable unlimited doctor office visits and unlimited urgent care, but also hospitalization and out-patient surgery benefits…ALL in one low price.
In addition to all the Blue Level office visits, Telemedicine, and Discounts, the following benefits are also included:
- Accidental Death and Dismemberment
- Couple’s Counseling
- My Notification
- Evacuation and Repatriation
Rather than paying for massive coverage, thus making it unaffordable, this program provides an avenue to access affordable coverage, in the event of a catastrophic event.
Medical bills are the number one reason for bankruptcies. The $50,000 in coverage provided, will typically be enough to cover the average hospital stay or surgery, according to debt.org.
(NOTE: Hospital and surgical costs may be much higher).
Pre-existing conditions apply for a 12-month look-back. In other words, a pre-existing condition is any condition for which the individual has received medical advice or treatment, or for which symptoms were present and a prudent person would have sought treatment within the past 12 months prior to enrollment in a new insurance plan. Any condition deemed to be pre-existing will be excluded from coverage for 12 months after the coverage effective date. Normal childbirth will be included 10 months after effective date.
Smart Choice Plan™, Gold or Platinum Level, has an unlimited annual and lifetime payout maximum.
Call 888-536-5585 today to speak with a representative who can provide a comparison quote.
NOTE: None of the benefits in the Smart Choice Plan™ are insurance products.