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HEALTH EXCELLENCE PLUS

Who Benefits Most From The Program?

The program uses a variety of funding and delivery mechanisms that differ from conventional insurance. The person who obtains the most value from this program (1) is not eligible for significant subsidies under the Affordable Care Act, (2) is healthy or health-focused, (3) has no significant pre-existing conditions, (4) has a different mindset from the person who purchases conventional health insurance, and (5) is a non-smoker.

However, no one is denied membership on the basis of health status, although medical conditions that existed prior to membership may be limited or excluded from sharing for a period of up to three years.

The individual takes personal responsibility in actively managing his or her health, and exercises freedom of choice in how he or she attains health and wellness.

The member has the opportunity for SIGNIFICANT cost savings (usually between 30 and 90%) over conventional insurance.

Who's Eligible To Join?

You're eligible to enroll in Health Excellence Plus if you become a member of the MPowering Benefits Association in order to gain access to the WellFit Wellness Program and the tools for living a healthy life style. Once you become a member of the Association, you then become eligible to enroll in one of the five plan options.

The Association program utilizes the Access Membership Guidelines

Note: Health Excellence Plus is also available to employers with at least 5 employees. Please call us at 877-734-3884 for details if you are an employer and interested in offering this type of group program for your employees. Employer Group programs utilize the Select Membership Guidelines instead of the Access Membership Guidelines and can be significantly less expensive than traditional group plans.

Self-Pay Patients

The best way to take control of and reduce healthcare expenses is to become a self-pay patient (this is someone who chooses to pay for his or her treatment directly and typically receives significant discounts for services they receive from providers).

By joining Health Excellence Plus he or she also elects to become a member of a group of like-minded, health-focused people who agree to share any costs they incur above an amount they can comfortably handle).

Sedera (the Medical Cost Sharing Administrator) attempts to negotiate further discounts on bills $500 or over. They recommend you never pay more than your Initial Unshareable Amount (abbreviated as "IUA") up-front to your provider so that this will not affect Sedera's ability to negotiate additional discounts for you. Sedera pays you directly and you pay the provider. You can choose between five different IUA's: $500; $1,000; $1,500; $2,500; and $5,000.

Self-pay patients often save 1/3 to 1/2 or more on their bills, and also pay less in monthly contributions. You’d call these “premiums” if this were traditional insurance.

How Much Does It Cost (How Much Are Monthly Share Contributions)?

There's an initial enrollment (administration and set-up) fee of $125 and an annual enrollment fee of $25.

In addition, you pay monthly share contributions. These contributions vary depending on which plan option you choose and are age-banded (18-29; 30-39; 40-49; 50-59 and 60-64) based on the age of the oldest adult member and the size of your membership unit: member only, member and spouse, member and child(ren), and entire family.

Unmarried children under age 19 and unmarried children ages 19 through 25 are eligible for membership in their parents' program. (Married children and unmarried children 19 and over who are not full-time students must apply for membership on their own.)

Smokers pay an extra $75 per month per membership unit.

While all the plan options utilize medical cost sharing to pay for large Needs (see below under CONTAIN), we recognize that different people have different requirements and will consider using different delivery models for their smaller Needs. That's why we've introduced five different plan options into our Association plan choices.

We anticipate that initially most individuals will choose the Partially Self-Directed Healthcare option (this is the basic option we've traditionally offered), but we've introduced four other options that we expect will gain traction as the concepts and delivery methods used in these models grow and become more widely known. These models are explained in the Plan options section of this website.

See this comparison chart to see the major differences between the different plan options.

Monthly contributions vary based on which of the five options you choose. You can determine the amount of your monthly share contribution by accessing the Price Calculator for each option. Click Learn More under the picture of the option you're interested in. This will take you to a more complete description of that plan option, which includes a description of Features and Specifications, as well as the Price Calculator for all options. Access the Calculator and you can determine your monthly share contribution for that option.

Click on Price Calculator choose Partially Self-Directed as the plan option and make all the other choices in the calculator to determine how much your monthly share contributions would be if you select the Partially Self-Directed option (this is our most popular option). Remember there's a $125 enrollment and set-up fee that is payable upon membership acceptance and there's an additional charge of $75 if one of more members of the membership unit smoke.

Please call us at 877-734-3884 for help in choosing one of the five options and for enrolling in option you choose.

Our Strategy For Controlling and Reducing The Cost of Healthcare

Please click on the appropriate link below to learn more about each of the five elements of the healthy care strategy.

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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