How It Works

The healthcare industry today is in a state of turmoil. Many people feel that they cannot get the care they need at a price they can afford. Physicians are often unhappy with the restrictions on the care they can give and the time it takes to get paid by the insurance companies for their services.

The ever-increasing cost of health insurance often results in benefit cuts by companies who provide insurance for their employees. Many individuals find that they are no longer able to purchase full health insurance coverage, and then go without the care they need because they can't afford it.

We answer these concerns with programs that allow individuals and families to receive quality care at an affordable price, under a system that allows the healthcare provider to get immediate payment—at the same rates they would receive from an insurance company 60 or 90 days later—without the paperwork and restrictions. Best of all, there are no pre-existing condition limitations, no waiting periods and no third party dictating the care you can receive or the specialists you are allowed to see.

Benefits:

• Medical Care At Substantial Savings
• No Pre-Existing Condition Exclusions
• No Waiting Periods*
• No Limitations

  *Only hospitalizations require a 30-day waiting period from membership activation date.

Since this is not insurance, all pre-existing conditions are accepted, there are no annual maximums or limitations, there are no waiting periods, there are no claim forms, and everyone is eligible. The best part is that all of this is available for the entire family, including all IRS dependents, for one low monthly fee!

Through contracts with major preferred provider organizations (PPOs), our plans offer individuals access to the same favorable rates that the insurance companies have been enjoying for years. You can access savings of up to 50% through a network of over 400,000 quality providers in all specialties, including:

• Family Practice
• Internal Medicine
• OB/GYN
• Pediatric
• Allergy
• Cardiology
• Radiology
• Neurology
• Oncology

The network allows access to savings of 15% to 50%, and sometimes more, from over 3,000 hospitals. There are also great savings at MRI clinics, Durable Medical Equipment providers, and many other types of ancillary services.

Finally... you have a health care advocate that can help you get quality care at an affordable price! The insurance companies and HMO's often leave the patient in the middle while they find a way to deny or delay care. We put YOU first. Our customer service representatives are trained to help you find the hospital or specialist you need at the lowest possible cost to you. You'll receive immediate savings without having to file confusing claim forms or waiting for someone to authorize your care.

A directory with the most commonly used providers in your area, plus member ID cards, is made available when you become a member. Over half of all the medical providers in the U.S participate in the medical networks.

Advantages of Our Approach to Healthcare:

Simplicity — Simply present your ID card to any of the over 400,000 participating healthcare providers and pay the preferred network rate.

Value — Members can save up to 50% on their medical needs. Because this is not insurance, our members see their savings when they pay the provider at the time of service.

Guaranteed Acceptance — There are no doctor's exams, pre-existing condition exclusions or length of stay requirements. Everyone is accepted regardless of health status - guaranteed.

No Limitations on Medical Usage — Your membership can be utilized for anything from checkups to major illnesses. Access to the providers and the network rates is unlimited and without restrictions as long as you pay your medical bill.

It includes your Family Members — Eligibility for the program is on a family basis. This means that you, your spouse and any IRS dependents, age 25 and under, are all included under the same low monthly fee.

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