Medical cost sharing programs are becoming a popular alternative to traditional health insurance because they are affordable and portable, go anywhere for care.
Freedom from CONTRACTS.
Self-pay programs allow members to share health care costs within a community, often resulting in lower overall medical expenses and freedom of care. Membership based plans often include telemedicine, pharmacy discounts and most important, no network limitations for major medical needs; illness, injury, accident or diagnosis. Read the Member Guidelines to see which one is right for you, your business and/or family. For comprehensive, compliant health coverage combine a share plan with a MEC plan, minimum essential coverage, for complete affordable protection. a MEC plan is deemed credible coverage according to the IRS, so it includes an annual exam, discounts for medicine and a PPO network for primary care, urgent care and imaging. MEC + Health Share.
Traditional Insurance vs Membership Health Plans. Comparison Worksheet
Concierge Doctors.
Concierge medicine, also known as retainer medicine, is a relationship between a patient and a primary care physician in which the patient pays an annual fee or retainer and has ‘unlimited’ access for care to the Physician.
Nationwide Independent Doctors.
Directory – Find an independent doctor near you. We can help you identify your needs and budget. There are many options to consider for health, wellness, treatment and care. Cash pay, Pay for care as needed.
WHAT IS DIRECT PRIMARY CARE (DPC)? A personal relationship with your doctor. An independent clinic that sees you through wellness and recovery without insurance interference. Usually pay a monthly subscription for care throughout the year. Less stress and better care that supports local providers and YOUR health freedom.
These are a great pairing with a major medical plan or catastrophic coverage, even a $0 premium Medicare Advantage plan for 65+, Personalized care wherever you are.
Compare Health Care Costs
| Plan Type | Monthly Cost | What is Covers | Best for |
|---|---|---|---|
| Traditional Insurance | $300 – $1400 | In-Network treatment | Insurance companies |
| Direct Primary Care | $75 – $100 | Primary Care Visits | Frequent use |
| TeleMedicine | $10 – $40 | Virtual Urgent Care | All |
| Health Share | $150 – $220 | Major Medical event | Self employed/business |
| MEC Plan | $60 – $200 | Preventative Care | Compliance coverage |
| Concierge Medicine | $100 – $200 | Primary Care Doctor | Chronic conditions |
MEC plans use PHCS Network: Specific Service or Practitioner & Ancillary go to Claritev.com and Find Provider.
Another big difference to traditional insurance is the cost goes up every year you age with insurance, not so in health share memberships, most have very generous age banding like Over 40 and Under 40 pay a flat monthly contribution. The ‘deductible’ works a little different too.
Here are some Health Shares to consider.
Redirect Health
Finally, there’s affordable healthcare with NO copay routine primary care that includes hospitalization protection. When you need medical care, Redirect Health will help you get the care you need while minimizing hassle, SAVING you money. Flat Monthly fee all ages 18-64
MightyWell Health
MightyWell’s Sharewell has Open access to the best Doctors and Hospitals Nationwide enables choice and competition. Reference based pricing, fair and transparent medical expenses. Great for businesses with metal plans Silver and Gold.
ZION HealthShare
Choose your initial unshareable amount for a major medical need; $1250, 2500, 5000, (like a deductible) then the eligible bills are shared in the community. Excellent maternity and delivery options. Go to any licensed provider, no network, includes medical concierge service. Worldwide coverage.
eBenefits for MEC
APEX Management Group offers two Minimum Essential Coverage(MEC) plans. Both plans meet the requirements for credible coverage and are ACA compliant.
1. Co-Pay plan for families that have frequent medical needs. Includes MEC, office visits $20, specialists $50, urgent care, labs and imaging, a formulary and other discount services.
2. High Deductible plan, HSA eligible, less medical needs. Preventative visits: 1 per calendar year per family member, $0 co-pay. Plan covers 100% of the cost for certain preventative health services delivered by your doctor or provider in your plan’s network. NETWORK: PHCS Practitioner and Ancillary network
OneShare Health
With three different OneShare Health Programs to choose from, you don’t have to worry about a complicated health care choice! Find your perfect fit and enjoy the quality care you’ve come to expect from our health care sharing ministry. Find a provider: NETWORK
Includes Virtual Primary Care and Vet Services!
Care+, Direct and Premium Care plans also include Virtual Primary Care, Virtual Urgent Care, Virtual Mental Health Care and Virtual Pet Telehealth. Secure HSA and Premium HSA include all of the above PLUS Minimum Essential Coverage for Preventive Care, HSA compatibility and Rx Valet for prescription drugs. The HSA compatible plans are available to Sole Proprietors, 1099 Workers and Small Businesses up to 49 employees.
WOW Health
Virtual urgent care visits – Unlimited
Mental Health Counseling – Unlimited
Medications – Top 400 medications FREE
Sedera Health Share
Sedera’s Community of individuals are actively engaged in their healthcare decision making, dedicated to a healthy lifestyle, and are united by shared values. Member Guidelines
Cash Pay Marketplace
Medi-Share
Medi-Share is an innovative health care solution for Christians looking to save money without sacrificing on quality. Members take comfort in knowing their eligible medical expenses will be shared by their community. Statement-of-faith Enrollment Guidelines Exemption
These plans you enroll yourself. Not for Licensed insurance agents to sell.
knewhealth
Only influencers can sell this product. Caution this product does reimbursement and has proprietary pricing.
Independent Doctors and Clinics –
No Insurance, No Problem! Clear and transparent pricing and exceptional service! This is a good choice if you want a old fashion doctor relationship and pay as you go at a fair price.
Visit the TheDrsHouse Better-than-concierge medicine for adults. Dr. Adepero Okulaja’s clinic has been designed to make her patients feel more like they are visiting a contemporary home vs. the stark look of many medical offices.
Your Doctor My patients enjoy convenient office visits, personal communication via phone, e-mail, text, and much more.
Affordable Health Insurance Advisor | Membership Health Share Plans | Lifestyle Advisors