5 Low Cost Health Plans:
for the Coverage You Need.
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control your healthcare costs
m powering benefits
health excellence plus
877-734-3884
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ABOUT US

Paul Cholak is the Principal of Control Your Healthcare Costs, LLC (dba Control Your Healthcare Costs), is a National Benefit Advisor for MPowering Benefits as well as a Certified Affiliate with Sedera Health and, as such, can offer both Health Excellence Plus™ anywhere in the United States and other small group health care sharing plans using the same 5-tier approach in any of the states in which he is licensed. He guides you through the steps of obtaining membership in the applicable program and is always available to help you both BEFORE and AFTER you've enrolled.

Paul has life and health insurance licenses in 32 states and also has a Florida Preneed Sales Agent license. He has many years of experience in health and wellness issues and was associated with the first health and wellness consulting practice (the Health Strategies Group which was founded in 1986 as a division of the Alexander and Alexander Consulting Group).

As the senior human resources executive of major corporations, he established the corporate health and wellness programs in each of these companies. When he was the Senior Vice President of Human Resources at Zale Corporation, he supervised the country's first on-site corporate child care center, which was featured on the Today show.

He understands the needs of "self-pay" patients, has read extensively in the literature, and has a long-standing interest in health and wellness issues and in alternative ways of delivering healthcare services.

He's a recipient of the prestigious Albert Nelson Marquis Lifetime Achievement Award and been listed in Who's Who in America, Who's Who Registry of Business Leaders and Who's Who in Finance and Industry.

Early in his career he was identified as one of the Emerging Leaders in America. He's a member of Phi Beta Kappa and other national honorary societies and organizations such as Omicron Delta Kappa. He's also an Ambassador with the Boca Raton Chamber of Commerce.

He's a graduate of certificate programs from a number of prestigious institutions (e.g Harvard University), been invited to speak at corporate (e.g. General Electric and IBM) and university training programs (e.g Brigham Young and the University of Texas), been featured in articles in national magazines and books, and is also a published author.

Review the 5 types of plans
health excellence plus

SELF-MANAGED PLAN OPTIONS
Self-Directed Healthcare
Self-Directed Healthcare
Totally Self-Directed Program Combining Wellness Services AND Medical Cost Sharing For Large Expenses And Mammograms, Colonoscopies and Childhood Immunizations
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Partially Self-Directed Healthcare
Partially Self-Directed Healthcare
Partially Self-Directed Program Combining Wellness Services, Preventive Care, An Optional Health Savings Account, AND Medical Cost Sharing For Large Expenses
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PHYSICIAN-DIRECTED PLAN OPTIONS
Co-Pay Network Healthcare
Co-Pay Network Healthcare
Provider-Directed Program Combining Wellness Services, Preventive Care, Co-Pays For Most Small Expenses, AND Medical Cost Sharing For Large Expenses
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DPC - Direct Primary Healthcare
DPC - Direct Primary Healthcare
Provider-Directed Program Supplementing Direct Primary Care With Wellness Services AND Medical Cost Sharing For Large Expenses And Mammograms, Colonoscopies, and Childhood Immunizations
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Provider-Directed Healthcare
Provider-Directed Healthcare
Provider-Directed Program Combining Wellness Services, Redirect Health for Preventive Care And Most Small Expenses, AND Medical Cost Sharing For Large Medical Expenses
LEARN MORE
Designed for individuals who want to live a healthy lifestyle
and share the costs with other like-minded community members.

Through an innovative layering of healthcare services, the MPowering Benefits Association provides individuals and families access to high quality healthcare that is affordable, flexible and effective.

Members join the Association to promote personal health and well-being and, as a result, have access to a complete set of wellness tools provided through My Academy of Health Excellence.  Members of the Association have the choice (see above) of electing to join one of five different programs.

The program provides healthcare through community; you share medical expenses with a community of like-minded, health-focused individuals. By enrolling in this new program you’ll often be able to save 30-90% or more over traditional approaches.

By reviewing this website you’ll be able to choose between two self-managed programs and three physician-managed programs. Whether you want to take back control of your own healthcare and related costs, want someone to manage healthcare costs for you, or you’re somewhere in between, there’s an option to fit your specific needs.

You can learn more by reviewing this site and then calling us at 877-734-3884 to answer any remaining questions you might have. Enrollment is available on a year-round basis. Individuals who enroll by the 20th of a specific month will have an effective date as of the first of the following month.

NOTE: Medical Cost Sharing members share medical expenses with a community of like-minded people. Medical Cost Sharing is not insurance and there is no sharing of risk.

Learn more about the problem with
traditional health insurance.
877-734-3884
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