3 Low-Cost Programs
to Meet Your Family’s Budget and Healthcare Needs
control your healthcare costs
m powering benefits
health excellence plus


Paul Cholak is the Principal of Control Your Healthcare Costs, LLC (dba Control Your Healthcare Costs) and is a National Benefits Advisor for MPowering Benefits and a Certified Affiliate with Sedera, Inc. He offers medical cost sharing programs to individuals anywhere in the U.S. (except Alaska and Vermont) who are members of the MPowering Benefits Association.

He also offers medical cost sharing programs to small groups headquartered in any of the states in which he’s 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 cash-paying (also referred to as "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 3 types of programs
health excellence plus

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
DPC - Direct Primary Healthcare
DPC - Direct Primary Healthcare
Provider-Directed Program Supplementing Direct Primary Care With Wellness Services AND Medical Cost Sharing Plan For Large Expenses, Screening Colonoscopies And Mammograms, And Childhood Immunizations/Vaccinations
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

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