The best way to take control of your healthcare expenses is to become a Self-Pay Patient. At first blush, that seems scary with your potential financial exposure due to the rising cost of healthcare today. But, what if you could form a group of like-minded, health focused, Patriotic Americans, people just like you, that would agree to share any costs you incurred above an amount that you could comfortably handle. Maybe, then it’s not so scary.
With the rising costs of health insurance, businesses and individuals are looking for a cost-effective and efficient way to provide financially for their medical needs or for those of their employees that also complies with the Affordable Care Act (ACA). Whatever the goals and motivation behind the law, the net result has been neither “Affordable” nor improved access to “Care.” Through a combination of proactive wellness programs from My Academy of Health Excellence, preventive health insurance from ASi Benefits (that ensures that both employers, their employees and individuals comply with the Affordable Care Act), a health savings account from HSA Bank and an organized benevolence Sedera Health, we help those individuals or businesses to provide and control the medical expenses of their employees or themselves.
The best way to CONTROL YOUR Health Care Costs is a Health Strategy NOT Health Insurance – the strategy builds one component on top of the other – therefore to understand how the components function with each other start from the bottom of the image and work your way up.
My Academyof Health Excellence Plus is built upon the principles used by some of the Christian healthcare sharing groups. For the past 70 years, either the insurance model or the government has dominated the economic model of healthcare. However, in the late 1980’s and early ‘90’s, some modern day Christian groups began comparing the escalating costs of health care with the simple and effective manner in which older Christian groups (such as the Amish) handled their property and casualty needs. We have all heard of the proverbial Amish “Barn Raising.” There is no need to insure the “barn” because the community will come together for a “barn raising” if it should burn down.
These Christian groups decided to follow the Biblical mandate of “bearing one another’s burdens” by sharing healthcare costs in a similar fashion, members of the community literally share one another’s medical bills. This method of meeting needs proved effective as it withstood court challenges from its “outside the box” approach (which was, in reality, a reintroduction of the historical sharing approach modeled by the Amish!).
The Old Way / The Old-New Way
Now fast-forward to 2010 and the ACA. The impressive growth of the Christian health care sharing movement had, by now, led to hundreds of thousands of individuals and families not using an insurance model, but rather trusting to the sharing of needs as administered by these health care sharing groups. So the ACA, in recognizing the effectiveness of these groups and their sound legal history, enshrined their legitimacy in law by granting an exemption to the law’s penalties for those who were a part of these recognizable groups.
Although the exemption of the law only applies to a very limited number of qualified Christian health care sharing groups and their members, the model of health care sharing has proven legitimate and effective. As long as one can find other ways of fulfilling the law’s mandates, the health care sharing methodology can teach us much.
This is where Sedera Health was born as a concept. Businesses need a group health insurance solution that will fulfill the requirements of the Employer Mandate of the ACA. Employees need a plan that fulfills the Individual Mandate so they are not subject to the penalties individuals face if they do not have insurance. Both of these can be found within the Minimum Essential Coverage (MEC) as defined within the law.
Using this insurance model for handling preventative care needs, the minimum requirement of the law for both employer and employee are fulfilled. But what about actually handling the escalating costs of illness? This is where the health care sharing model, which is not insurance, can be applied. But now it is applied within the corporate context, not just for people of faith, but for groups of employers and employees who choose to share common health-related goals.
What is Health Sharing?
How Much Does It Cost? The My Academy ofHealth Excellence – Plus solution combines everything you’ll need to become a successful ‘Free-Market Patient’ who is MPowered with health cost sharing:
1 Member $249 (Individual) w/ a $1000 0r $299. w/ a $500 Initial Unshared Amount
2 Members $485 (Couple) w/ a $1000 or $599. w/ a $500 or Initial Unshared Amount
2 Members $427. (Parent w/ Child) w/ a $1000. or $520 w/ a $500 Initial Unshared Amount
3+ Members $638. (Family) w/a $1000 or $786. w/ a $500 Initial Unshared Amount
What is Covered? “Yes –Preventative Care Included – At NO Cost to You!“
Preventative Screening – Mammograms, Pap smears, PSA tests, Screening: Colonoscopies Limit: 1 every 2 years; 1/year over 50
Wellness – Babies 0-1 one year – well baby checkups including vaccinations. Adults – includes labs, x-rays (one per membership year)
What Else is Included? – Expenses Eligible for Sharing
Accidents – (accidents are investigated for other party liability)
Accidents Involving Recreational Vehicles
Diagnostic X-ray and Laboratory Services – Inpatient/Outpatient/Independent lab
Emergency Room Hospital And Physician Services – (Routine treatment excluded)
Home Health Care – Limit 30 days per Incident
Hospital Services – Inpatient: Daily Room and Board limited to the average semi-private room rate.
Maternity Care – Normal delivery (including physician charges, office visits, hospital charges and birthing centers) cesarean section and/or complications treated as new incident with new per incident limits
Physician Office Services – Per incident visit. All other physician office services included per incident. (Charges billed by a physician if performed in the physician’s office: injection, surgery, lab, x-ray, special diagnostic interpretation.)
Prescription Drugs – Per incident (charges must occur within 120 the days before or after any related medical incident)
Surgery – Surgeon, Assistant Surgeon, and Anesthesiologist Services. Inpatient/Outpatient services. Outpatient surgery facility
“This is the best health approach I have seen in over 40 years of being a doctor. I think it’s timely and I wholeheartedly endorse it.”
Robert Gergely, MD, Beverly Hills, CA
“Up to this point insurance and health insurance have only collaborated on reimbursement and not on health! Thank You, Health Excellence Plus for changing this paradigm and understanding that health is the key to what is inherently missing in the insurance model-not coverage.”
“In my 36 years of practicing law as ‘The Vitamin Lawyer’ I’ve seen many efforts to bring healthcare into the modern world. This is the best I’ve ever seen.”
Ralph Fucetola, JD http://www.vitaminlawyer.com
One of the tragedies of the modern medical system is that the public arena has been dominated by the idea that healthcare equals health insurance. Nothing could be further from the truth. Approaches such as those promoted by Health Excellence Plus bring the focus back to healthy living. Personal choice underlines healthy living. Health Excellence Plus, by combining healthy living with the power of the Sedera medical cost sharing community puts the consumer right back where they belong in the health care debate, namely in the driver’s seat!
Dr. Tony Dale – Founder of Sedera Health http://www.sedera.com
“What if we could find help staying healthier, paying less for essential medical and hospital insurance, set aside money for medical care spending, and have help when needed to negotiate prices with a medical or hospital provider? Even better, what if others would pitch in to help us pay for unforeseen, catastrophic healthcare events? This is not too good to be true, because the folks at Health Excellence Plus have put this all together, and the best news is it’s affordable.”
Dave Racer, St. Paul, MN – Author, Speaker, Educator about U.S. Healthcare
“A viable alternative to the expensive and limited choices that Obamacare has given us!”
Mary J. Ruwart, Ph.D. www.ruwart.com Pharmaceutical Researcher (20 years) and Nutraceutical Consultant (20 years) & Author: ‘Healing Our World’