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Partially Self-Directed Healthcare

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Partially Self Directed Healthcare

Partially Self-Directed Healthcare Plan Designed For A "Self-Pay" Patient Who Desires Full Preventive Care Services With A Medical Cost Sharing Back-Up Plan

This is the ONLY option that permits establishing a tax-advantaged health savings account (HSA). An HSA permits setting aside pre-tax dollars to pay for “qualified” medical expenses as defined by the IRS.

PARTIALLY SELF-DIRECTED HEALTHCARE

If your “Need” (i.e. a large medical expense) exceeds the Initial Unshareable Amount (similar to a deductible if this were traditional insurance) you selected, Medical Cost Sharing takes over and will share the full amount at 100% unless your Need is subject to sharing limitations for conditions listed in Sections 8 or 9 of the Access Membership Guidelines.

With Medical Cost Sharing you can to choose to receive services from any doctor or facility. There’s no network of providers (this is referred to as "open access"). Tell the provider you're a "self-pay" patient and want their “best cash price." Providers will usually be happy to give you a large discount because they won’t have to deal with an insurance company or meet the company's oversight requirements and interference with the way they practice medicine.

My Academy of Health Excellence Member and Concierge Services will help you research doctors, facilities and hospitals if you need access to care. They’ll assist you in selecting fair-priced, quality services, and your Sedera Member Advisor is available to help you, as well.

This is our featured plan. We expect that most of those who join Health Excellence Plus will elect this option. All Affordable Care Act-mandated preventive services are provided at $0 cost by in-network PHCS participating providers.

This is the ONLY option structured to permit the establishment of a tax-advantaged health savings account (HSA). An HSA permits you to set aside money on a pre-tax ("qualified") basis to pay for qualified medical expenses as recognized under the Internal Revenue Code. Being able to present an HSA debit card facilitates providers in offering cash discounts to "self-pay" patients.

There is no tax penalty with this plan.

PARTIALLY SELF-DIRECTED HEALTHCARE
HDHP / BASIC MEC PLAN
Medical Services—Must Utilize PHCS Network Providers For All Services
Preventive Care—Covers All Mandated Preventive Services Required By The ACA
All 18 Preventive Services for Adults 100% Coverage, no Copay for
Mandated Preventive Care Services
All 26 Preventive Services for Women 100% Coverage, no Copay for
Mandated Preventive Care Services
All 27 Preventive Services for Children 100% Coverage, no Copay for
Mandated Preventive Care Services
The Plan Contains High Deductible Health Plan Features
THAT MAKE YOU ELIGIBLE To Establish A Health Savings Account (HSA).
(It’s Not Intended That You Actually Use These Features of the MEC.)
You Can Contribute The Following Amounts To An HSA In 2019.
Maximum Contribution
(Single Member)
$3,500
Maximum Contribution (Family) $7,000
“Catch-Up” Contributions
(One Member Must Be At Least Age 55)
$1,000
The Apex HDHP/Basic MEC Plan is a self-funded plan and accordingly is not fully insured.
Please see the Plan’s Summary Plan Description (SPD) for full details

Designed For The Self-Pay Patient Who Wants Full Preventive Care Services With A Back-Up Plan

Partially Self-Directed Plan that combines all WellFit Wellness services, Preventive Care using the PHCS Network, the Manage and Mitigate portions of the strategy, and Medical Cost Sharing using any provider who accepts cash or credit (“Open Access”)

Plan Features
Avoid

AVOID medical costs with education and a proactive and interactive wellness program (called WellFit Wellness) provided by My Academy of Health Excellence. You become a member of WellFit Wellness when you join the MPowering Benefts Association. As a member of the Association, you’re entitled to become a member of the Partially Self-Directed Healthcare Program.

  • Single Point of Access for Services
  • Fully Integrated Health and Wellness Program
  • Wellness Assessment Program
    (health risk assessment to inform you your current health status)
  • QR For Life Code for Emergencies and Personal Medical Vault
  • WellFit Community (on-line forum for blogs and group interaction)
  • Twelve Habits of Highly Healthy People
  • Artifcial Intelligence Based on Functional Medicine
    (functional medicine-based risk assessment, personalized recommendations, and coaching service)
  • On-line Resource Center
    (webinars, podcasts, interviews with experts, newsletters and e-books)
  • Healthy Rewards Program
Prevent

PREVENT medical expenses using the Apex Management Group’s HDHP/Basic MEC program. All preventive services are provided at no cost through a PHCS provider. Provides all preventive services required by the Affordable Care Act.

Manage

The HDHP/Basic MEC program permits you to establish a tax-advantaged Health Savings Account.

Money Management: You can ALSO elect to establish a patented, proprietary Health Matching Account™ (HMA) provided through Health Matching Account™ Services, Inc. to help pay for expenses that are either unshareable or subject to high Individual Unshareable Amounts (IUA) under the Medical Cost Sharing portion of the program.
Call us at 877-734-3884 to see how an HMA may beneft you.

Mitigate

Mitigate using My AHE Pharmacy Programs, My AHE Member and Concierge Services, TelaDoc™ (telemedicine), the Second Opinion Program (2nd MD™), and Counseling services.

Contain
  • Contain large medical expenses with Medical Cost Sharing powered by Sedera Health
  • Services included:
    Sedera Medical Advisor and Medical Bill Negotiation
Plan Specifications
  • NO AFFORDABLE CARE ACT TAX PENALTY
  • WELLFIT WELLNESS PLATFORM - Managed by My Academy of Health Excellence
  • PREVENTIVE CARE NETWORK AND SERVICES - Requires use of PHCS network for all services.
    No cost for preventive services mandated by the Affordable Care Act
  • SMALL MEDICAL EXPENSES - Mitigate using My AHE Pharmacy Programs, My AHE Member and Concierge Services, TelaDoc™ (telemedicine), the 2nd Opinion Program (2nd MD™), and Counseling services. Manage with a voluntary Health Savings Account
Large Medical Expenses
  • Contain With Medical Cost Sharing Powered By Sedera Health
  • Medical Cost Sharing Network - Open Access network; can use any provider who accepts cash payment
  • Initial Unshared Amount (IUA) Options - Choice of $500, $1000, $1500, $2500, or $5000
  • Maximum Number Of IUA’s Annually - 3 per individual/5 per membership unit
  • Prescription Drugs - normal sharing rules apply for curative medications;
    120 days for maintenance medications (blood pressure, cholesterol, etc.)
  • Pre-Existing Conditions - 36 month look-back: no coverage for 1st 12 months;
    $15K 2nd year; $30K 3rd year; unlimited thereafter
  • Maternity Benefts - $5K IUA for normal deliveries and $7.5K for non-emergency/elective C-sections;
    conception must have occurred after membership per section 9 of the Guidelines
  • Therapies And TMJ - range from $1.5K to $2.5K/Need under Section 8 of the Guidelines
  • Psychiatric And Behavioral Health - $5K inpatient maximum/Need; $1.5K outpatient/Need under Section 8 of the Guidelines
  • Tobacco Use - $75 surcharge per membership unit.
    If age 50 or over, $25K sharing restriction for cancer, stroke, heart conditions and COPD
  • Sharing Limits - No annual or lifetime limits unless restricted by Sections 8 or 9 of the Guidelines
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
LEARN MORE
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
LEARN MORE
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
LEARN MORE
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
LEARN MORE
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.

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