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Frequently Asked Questions

Community Healthcare Cooperative from Community Healthcare Cooperative

You have Questions. We have Answers.

Let's face it, healthcare is confusing. You have questions. That's understandable and it is also good, because that means you are taking your healthcare seriously.

Starting below are the questions we are frequently asked. Simply select the question and you will see our answer. If you have any question that is not answered here, please send us your question by using our contact form below.

Community Healthcare Cooperative Question

Please click on the question you have to get your answer

1 Why should a town, city or county get involved with healthcare?

Answer: Because your citizens don't have affordable options for their health insurance. The future for Medicaid and other state and federal programs are in doubt. In many communities, hospitals and clinics are closing and doctors are moving away. Employers may also be leaving and fewer are arriving because they can't get affordable healthcare for their employees.

The state and federal governments are not providing any meaningful assistance to communities. The problem is money. For many, it has become too expensive to purchase health insurance, and there is not enough money to provide medical services or pay medical providers!

Your Community must become Self-Reliant. The question is, "How"? You need options! We have them!

2 How do you propose a Community generate the money to support a community-wide Community Healthcare Cooperative?

Answer: With traditional insurance, money flows from the insured to their insurance company. Then from the insurance company to medical providers. However, this only happens after the insured pays a large, and generally unaffordable deductible. Today, deductible and other out-of-pocket costs are usually $6,000 dollars or more. Likely, a cost most of your citizens can't afford to pay!

With the Community Healthcare Cooperative, money flows from your citizens to a "Community Healthcare Pool". The Pool's capital is used to directly pay and subsidize doctors, clinics and other medical providers. The Pool can even be used to subsidize your Medicaid citizens.

3 How is the Community Healthcare Cooperative managed?

Answer: Community Health Partners and the Community establish a "Healthcare Board". The Healthcare Board sets guidelines and policies. HomePort and our partners manage the day-to-day functions for the Community-wide Healthcare Program.

More details will be provided in our Community Healthcare Proposal. Now, please take a few minutes to complete and send to us your Community Profile and Request for Proposal.

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4 Can the Community receive income from the Community Healthcare Cooperative?

Answer: Yes. We offer a liberal compensation and subsidy plan for Communities that assist us in making the Community Healthcare Cooperative available to its citizens. We'll describe your compensation plan in your proposal.

If you have not already sent to us your Community Profile and Request for Proposal, please do so. Also, if you would like a meeting, select "Contact Us".

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5 What is the cost comparison between a Community Healthcare Cooperative and a typical employer "Group" and the federal ACA plan?

Answer: For both, about a 50% savings for the monthly payments and an 80% savings for deductible and co-insurance costs.

6 Can the Community Healthcare Cooperative exist alongside traditional healthcare insurance companies and the State Healthcare Exchange?

Answer: Yes! The Community Healthcare Cooperative simply gives your citizens another option. Your citizens can then choose which option is best for them.

7 Can the Community Healthcare Cooperative be used with an employers Group plan?

Answer: Yes. CHC can be used for doctor visits, dental and vision, and many other medical services not typically covered by any "Group" plan. The biggest benefit of adding CHC to an employer's Group plan is to lower the employee's deductible and out-of-pocket costs.

For example, if a Group plan has a $7,000 Max Out-of-Pocket, the employee could purchase a CHC plan with a $1,000 deductible. When they have a Medical Event, they would pay the $1,000 CHC deductible and CHC would advance $6,000 to pay the Group plan's deductible cost.

8 Will the Community Healthcare Cooperative accept citizens with pre-existing conditions?

Answer: Typically, Yes. However, each case will be considered individually. If the citizen does not qualify for CHC, we can help them select an ACA or Group plan offered by HomePort or the state healthcare exchange.

9 Why are Community Healthcare Cooperative so much less expensive than Group or ACA plans?

Answer: CHC does not incur expensive salaries, overhead costs or legal requirements insurance companies incur. Also, a financial planning tool called "stop-loss insurance" is used to lower financial claim risks. The savings are passed back to CHC Members in lower monthly and deductible costs.

10 How do we move forward?

Answer: We meet with you to prepare a proposal and an implementation plan for your Community.

Please request a meeting through our contact form by selecting "Contact Us". We look forward to meeting with you!

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