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

Services To Reduce Or Eliminate Medical
And Outpatient Drug Costs

- with 24/7 Telemedicine, Advocacy



You can't AVOID, PREVENT, or MANAGE all your medical costs.
The following tabs contain information on services you can
use to eliminate or reduce the cost of medical services:

Pharmacy Programs
Member Services
Expert Second
Medical Opinion

Pharmacy Programs

Wellness Coordinators and the Director of Member Services (Concierge) help members lower their drug costs by showing them how to use programs such as GoodRX and Blink Health (these programs are most effective for purchasing generic medications); and SavOnGlobal, Pharmacy Checker, and World Meds (these are all international discount drug programs) and are most effective for purchasing brand-name and high-priced generic medications). None of these programs require members to pay a monthly fee.

We continually research new and additional resources and also utilize these resources when viable alternative programs are identified.

In cases where the Liberty Rx mail order program (offered as an option with the Sedera Medical Cost Sharing program for an additional fee of $27.50 per month) is most effective (in our experience in less than 1% of all cases), we also advise members when that program makes sense for a particular situation.

Drug programs are also offered through the Redirect Health MEC, which utilizes GoodRx and offers discounts on specific medications and medical supplies as part of the Provider-Directed Healthcare program.

Drug prices vary between different resources, and we check medications using all of these applicable resources before making a recommendation to a member concerning where to purchase a particular medication.

In the case of a shareable medication, all members will benefit when a cost-conscious cash-pay patient purchases a medication through one of these resources for less than what he or she would normally pay.

Members who have established HSA's can save the equivalent of their tax rate (for example, if they have a 32% tax rate they'll save 32%) if they use their Health Savings Account to pay for their unshareable medication costs.

You can download this free discount card at https://therxcard.net/HWAALL. In many cases this card will provide you with drug discounts that are larger than you would receive with other free discount programs like Good Rx. Please call us at 877-734-3884 with any questions you may have.


My Academy of Health Excellence Member and Concierge Services Member Services

New members schedule a one-on-one session with the Director of Member Services or one of his staff members to learn about all the features of the program, answer their questions, and receive help in enrolling in services such as TelaDoc™. (The Director of Member Services explains what it means to be a cash-pay patient and emphasizes the importance of the health and wellness program's features to AVOID incurring medical costs in the first place).

There can be a learning curve as a cash-pay patient when navigating the healthcare world with billing issues, finding the best doctors to suit your needs, and making the best use of your money such as when obtaining a CT scan, MRI, finding the best prices on medications, etc. The Director of Member Services is available to help you with issues and questions such as these.


TelaDoc™ (24/7/365 Doctor) : A Doctor On Your Schedule

Members have 24/7/365 access to a board-certified physician through telemedicine. This service provides on-call physicians available to help resolve routine medical issues by phone or video consultations. Members considering a trip to the emergency room, urgent care center, minute clinic or who just cannot wait to get scheduled for a doctor’s office visit can use TelaDoc™ to access medical care, saving both time and money.

Benefits include:

On-demand care – talk to a doctor anytime, no matter where you are in the United States:
  • Prompt diagnosis for faster treatment
  • No consultation time limits
  • Treatment of children of any age
  • Secure and portable health records
  • Cost savings on expensive emergency room or urgent care visits
  • Physicians can prescribe non-narcotic medication or refills when appropriate

TelaDoc™ does not replace the primary care physician nor does TelaDoc™ guarantee that a prescription will be written. TelaDoc™ operates subject to state regulation and may not be available in certain states (e.g. Arkansas) or services may be limited to either phone OR video consultations in certain states. TelaDoc™ does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. TelaDoc™ physicians reserve the right to deny care for potential misuse of services.


Expert Second Medical Opinion (2nd MD™)

The program gives you access to the world's best doctors. Through the 2nd MD™ program, top medical specialists are available to you.

2nd MD's™ specialists are leading groundbreaking researchers and teach the most innovative techniques from the top medical institutions in the world, e.g. Mayo Clinic, Cleveland Clinic and Johns Hopkins. They're the "doctors' doctors."

If you face (1) a new diagnosis, (2) a possible surgery, (3) a change in medication, or (4) a chronic illness, even including one currently excluded from sharing because it's a pre-existing condition and want to discuss your options with a top expert on your condition, 2nd MD™ is here for you.

You’ll have access to more than 300 nationally recognized, board-certified medical specialists that cover more than 120 sub-specialties.

These world-renowned physicians are available for consult via video conferencing or telephone from virtually anywhere in the world within about 3 days, providing program members the peace of mind that they want and deserve.

The program's experience with 2nd MD™ is that 1/3 of planned surgeries are cancelled; that treatment plans are improved 73% of the time; and that the average savings/consultation are $3,000.

If a member receives treatment in accordance with the second opinion, his or her Initial Unshareable Amount for medical cost sharing (See the CONTAIN section) will be reduced by $250.

Sedera, Inc., the medical cost sharing administrator, requires members to use the 2nd MD™ program prior to undergoing elective surgeries and suggests that members who have any of the four situations described in the third paragraph above (including members with significant pre-existing conditions) utilize this service.

If the member disagrees with the second opinion, s/he can request a third opinion at his or her own expense and the opinion of two of the three doctors will be considered the second opinion.

Since treatment protocols and quality levels vary dramatically throughout the medical profession, Sedera requires members to utilize 2nd MD™ prior to undergoing elective (non-emergency) surgeries. Needs sharing may be reduced by up to 50% on non-emergency surgical procedures that exceed $500 for members who either (1) refuse to utilize the 2nd MD™ program or (2) fail to notify Sedera of the surgery in advance of the procedure.



Program membership includes access for up to 3 clinical hours of pastoral counseling per membership unit per membership year for items such as:

  • Temperament therapy
  • Marriage and family counseling
  • Pre-marital counseling
  • Extra-marital affairs
  • Resolving conflict
  • Emotional crisis
  • Depression
  • Stress and anxiety
  • Resolving trauma and abuse
  • Grief, death and dying
  • Codependency and family issues; and
  • Spiritual formation/direction
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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