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PROVIDER-DIRECTED SELF-FUNDED PLAN OVERVIEW

Provider-Directed Self-Funded Plan Overview

This is a plan for those who want to purchase the Provider-Directed (Redirect Health) Plan on a stand-alone basis to reduce their monthly costs and are willing to self-fund their exposure to large medical costs.

Redirect Health's EverydayCARE program is a virtual health program using a 24 hour health concierge (the Care Logistics Team which is staffed by medical professionals). Members call the 24/7/365 Care Logistics Team to access care; telephone support is provided in English and Spanish. Service is provided nation-wide.

The EverydayCARE program is ACA-compliant, provides personalized proactive care management and has a $0 deductible and $0 co-pays for all ACA-mandated preventive care (adult and child), including immunizations and listed medications; primary care office visits; chiropractic office visits; and covered labs through LabCorp.

There is NO pre-existing condition requirement for Redirect Health's services. Covered services can cover treatment through naturopathic physicians; naturopaths are included on the Care Logistics teams. The program also includes an RX discount program that offers significant drug savings.

Redirect Health has negotiated significant discounts for other services (for example, they've researched and gained access to asthma inhalers that are significantly lower in cost than members can purchase otherwise). and their Care Logistics Team also locates available public and private programs (one example is pharmaceutical assistance programs) that are not provided with the $0 deductible and no co pay requirement. Accessing these programs helps members find and utilize various assistance based on the client's needs, financial status and laws within their given state. Redirect Health will assist clients in getting care, gaining a fair price for care and helping find or leverage programs to assist in payment of care if and when such care meets assistance program requirements. This can also help reduce your exposure to incurring large medical expenses.

Redirect Health services are open access (there is no network) but the member must first call the Care Logistics Team (health concierge) to access services (between 75 and 80% of all calls are resolved through these phone calls and no further access to services is required in these situations,) This is because Redirect Health has very sophisticated care management services directed by healthcare professionals. If access to other services is required, the Care Logistics Team schedules the appointment and helps with care management. For example, if someone needs to go a hospital and has called the Care Logistics Team, that team will usually be in touch with the hospital before the patient even arrives and will have provided a significant amount of information about that person's history and health condition in advance of the patient's arrival.

This You Tube video presents an excellent explanation of how the Redirect Health program works as well as its benefits (please see this brochure for details, as well):

The Medical Cost Sharing Program (the CONTAIN portion of the healthy care strategy) is not included as part of this plan. However, the AVOID, PREVENT, MANAGE, and MITIGATE portions of the strategy ARE included.

This plan does NOT permit you to establish a Health Savings Account (HSA) but you CAN create a patented, proprietary Health Matching Account™ (HMA) provided through National Prosperity (see.www.nationalprosperity.com) and download a brochure here). Call us at 877-734-3884 to learn how this type of account might benefit you.

This plan can be purchased with Add-On Products and/or the Health (Hospital-Surgical) Indemnity Defined Benefits plan.

We encourage you to contact and utilize the Care Logistics Team, even for services that are not covered by the Plan, because they should be able to refer you to reduced cost services for items that otherwise would not be shareable under Medical Cost Sharing.

However, My Academy of Health Excellence Member and Concierge Services is available to help you research doctors, facilities and hospitals, as well, if you need access to care not provided through Redirect Health. They’ll assist you in selecting fair-priced, quality services and can also assist you in finding sources for brand-name medications and high-priced generic medications (the Care Logistics team will help you with other generic medications).


DOWNLOAD THE PROVIDER-DIRECTED SELF-FUNDED PLAN PRODUCT SHEET

CALL US AT 877-734-3884 FOR MORE INFORMATION AND TO ENROLL

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.

Learn more about the problem with
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