Community Healthcare Plans
Changing the Very Nature of Health Insurance
What are CHPs? CHPs are an alternative to traditional Group and Affordable Care Act (ACA) insurance. A CHP is a Healthcare Plan that removes the insurance company, and creates a direct link between you and medical providers. CHPs are exempt from costly state and federal insurance regulations. This means, a CHP can be customized by you. You choose your benefits. Not the government or an insurance company.
CHPs are today's answer to more expensive traditional insurance.
Who can purchase a CHP? Just about everyone! Those people who have a costly, long term medical condition should purchase an ACA insurance plan. For everyone else, CHPs are a better choice.
What makes CHPs different? CHPs are not insurance. CHPs are an "Aggregating Self-Funding" Healthcare program. This means, people like you come together to "Pool" their money to pay medical bills. Instead of sending money to an insurance company, CHP Members send their money to a Community Healthcare Pool. Medical bills are paid from the Pool.
When middlemen and the government are eliminated, healthcare becomes more cost effective and efficient.
A person purchasing a CHP is called a "CHP Member". Not an insured. A CHP Member’s monthly payment is called a "Membership Fee". Not an insurance premium. Approximately 50% of the Membership Fee is returned to the CHP Member in the form of a deposit into the CHP Member’s personal Community Healthcare Savings Account (CHSA). This deposit is called a "CHP Contribution". The Pool and CHSA are managed by professional financial managers.
The CHP Member also receives a Line of Credit (LOC). The LOC supplements the CHP Member’s CHSA Account Balance. You can use your CHSA and LOC to pay your medical bills. There is no-cost, no interest charged and no credit approval required to use your LOC.
The HomePort Concierge: When a CHP Member has a Medical Event, a HomePort Concierge helps the CHP Member manage their medical situation. Medical bills are reviewed, negotiated and payment terms arranged. The HomePort Concierge then arranges for payment of the medical bills from the CHP Member’s CHSA and then from their LOC. For medical costs that exceed the CHSA Account Balance and the LOC, the HomePort Concierge can help arrange Medical Financing.
When costs are driven down and shared, healthcare becomes more affordable.