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Privacy Policy and Terms and Conditions of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.

2. Use License

  1. Permission is granted to temporarily download one copy of the materials (information or software) on Control Your Healthcare Costs' web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

    1. modify or copy the materials;

    2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

    3. attempt to decompile or reverse engineer any software contained on Control Your Healthcare Costs' web site;

    4. remove any copyright or other proprietary notations from the materials; or

    5. transfer the materials to another person or "mirror" the materials on any other server.

  2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Control Your Healthcare Costs at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

  1. The materials on Control Your Healthcare Costs' web site are provided "as is.”  Control Your Healthcare Costs makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Control Your Healthcare Costs does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall Control Your Healthcare Costs or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Control Your Healthcare Costs' Internet site, even if Control Your Healthcare Costs or a Control Your Healthcare Costs authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on Control Your Healthcare Costs' web site could include technical, typographical, or photographic errors. Control Your Healthcare Costs does not warrant that any of the materials on its web site are accurate, complete, or current. Control Your Healthcare Costs may make changes to the materials contained on its web site at any time without notice. Control Your Healthcare Costs does not, however, make any commitment to update the materials, but we attempt to keep the site as current as possible at all times.

6. Links

Control Your Healthcare Costs reviewed all the sites originally linked to its Internet web site when this site was established and is not responsible for the contents of any such linked site. It is possible that a link is not actively linked to this site or that the link is out of date. We periodically check the links to verify that they are still operational and are accurate to the best of our knowledge, but we cannot warrant that the links currently work or remain accurate. The inclusion of any link does not imply endorsement by Control Your Healthcare Costs of the site where that link resides. Use of any such linked web site is at the user's own risk.

7. Site Terms of Use Modifications

Control Your Healthcare Costs may revise these terms of use for its web site at any time without notice. By using this web site, you are agreeing to be bound by the then-current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to Control Your Healthcare Costs' web site shall be governed by the laws of the State of Florida without regard to its conflict of law provisions.


Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy so you can understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

  • We have an SSL certificate and have the capability of using collected information securely over the internet with 256-bit SSL encryption security. You can verify this by looking for a closed lock icon at the bottom of your browser or looking for “https” at the beginning of the address of the web page.

  • We follow HIPAA and HITECH guidelines and requirements.

  • We send and receive email replies containing Protected Health Information (PHI) and Personally Identifiable Information (PII) using the PauBox secure email system through emails that use the domain names  controlyourhealthcarecosts.com  OR  mpoweringbenefits.net.  (These emails will either say pcholak@ or info@ before the domain name.)  The security of these emails can be verified by determining that the bottom of these emails contain this message:  Secured by Paubox Encrypted Email - HITRUST CSF Certified.  The Paubox system does not require  a password to open the emails or to reply to those emails.  If the email asks the receiver to forward any protected information, or if the sender wants to reply on a secured, encrypted basis, s/he must click on REPLY  and forward the email back to the sending email address.  If the person replying attempts to send a separate email from his or her email system, that email will not be encrypted unless that person has encryption software on his computer.

  • When forwarding PII and PHI by fax, we use a fax cover sheet and fax only to secure and attended fax machines. Our fax machine is located in a secure office and can be accessed and used only by the principal.

  • We follow the “minimum necessary” rule in forwarding and collecting PII and PHI.

  • We have developed and published a privacy and security policy.

  • Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

  • We collect and use personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.

  • We only retain personal information as long as necessary for the fulfillment of those purposes.

  • We collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.

  • Personal data we collect must be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

  • We protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.

  • We will make readily available to customers information about our policies and practices relating to the management of personal information.

  • We NEVER sell or rent your contact information, EVER.

  • Unless you ask us not to, we may contact you via email or phone to tell you about new products or services and/or to explain the features and benefits of any of our programs. If you provide your email address, you also give us permission to send you a monthly newsletter that contains information about free-market healthcare solutions.

  • If your personal or health information changes, or if you otherwise want to correct, update or delete your contact information held by us, you may contact us by email at info@controlyourhealthcarecosts.com or by mail to Control Your Healthcare Costs, c/o Paul Cholak, 11698 Briarwood Circle, Suite 4, Boynton Beach, FL 33437.

  • You may opt out of any future contacts from us at any time. You can do the following at any time be contacting us by email at info@controlyourhealthcarecosts.com or by phone at 877-734-3884 or 561-734-3884. You may also unsubscribe to the newsletter by clicking on Unsubscribe at the bottom of the newsletter. You may contact us to:
    • See what data we have about you, if any
    • Change/correct any data we have about you
    • Have us delete any data we have about you
    • Express any concern you have about our use of your data

  • If you decide to stop being contacted for us by any reason, you may send an email with “UNSUBCRIBE” in the headline to info@controlyourhealthcarecosts.com. You may also call us at 877-734-3884 or 561-734-3884.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.


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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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