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Frequently Asked Questions

Community Healthcare Plan from HomePort Healthcare Services
Community Healthcare Plan from HomePort Healthcare Services

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 Plan from HomePort Healthcare Services

Healthcare Plan 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 you already are involved. And it's not working. Your citizens don't have access to affordable health insurance. The future for Medicaid and other state and federal programs are in doubt. In many communities, hospitals and clinics are closing. Doctors are leaving. Employers may also be leaving your community and fewer are arriving if 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. It has become too expensive to purchase health insurance, and there is not enough money to provide medical services!

Your Community must become Self-Reliant. You need viable options!

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

Answer: In the traditional model, money flows from your citizens to insurance companies. Then, from insurance companies back to medical providers. But only after your citizens pay an un-affordable deduction and co-insurance cost of tens of thousands of dollars.

In the Community model, 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 also be used to subsidize Medicaid citizens.

The Community establishes a "Healthcare Board" to set guidelines and oversee the Pool. HomePort and our partners will manage the day-to-day functions of the Pool.

More detail will be provided in our Community Healthcare Proposal.

3 Can the Community receive income from the Community Healthcare Plan?

Answer: Yes! We have a liberal compensation and subsidy plan for Communities that assist us in making the Community Healthcare Plan available to its citizens. We'll describe your compensation plan when you request a proposal and we respond.

4 Based on your projections, what is the cost comparison between the Community Healthcare Plan and a typical "Group" or ACA plan?

Answer: About a 50% savings for the monthly payments and an 80% savings for deductible and co-insurance costs.

5 Can the Community Healthcare Plan exist alongside traditional healthcare insurance companies and the State Healthcare Exchange?

Answer: Yes! The Community Healthcare Plan gives your citizens another option. Your citizens and medical providers can then choose which option is best for them.

6 Can the Community Healthcare Plan be used with an employers Group plan?

Answer: Yes. CHP can be used for doctor visits, dental and vision, and many other medical services not covered by any "Group" plan. The most important reason for adding CHP to a Group plan is to lower your member employees' deductible and out-of-pocket costs.

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

CHP could save your member's employee from having a major financial crisis!

7 Will the Community Healthcare Plan citizens with pre-existing conditions?

Answer: Usually Yes. Each case will be considered individually. If the citizen does not qualify or choose CHP, they can select an ACA or Group plan offered by HomePort or the state healthcare exchange.

8 Why are Community Healthcare Plans so much less expensive than any Group or ACA plan?

Answer: CHP does not incur the costs or legal requirements insurance companies incur. Not to mention the staffing, expensive salaries and profits of insurance companies.

9 If my Community is interested, what's the next step?

Answer: Let's have a meeting. The we can design a proposal for you and an implementation plan for your Community.

You can request a meeting through our contact form here: Contact Us