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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 Who is HomePort?

Answer: Community Healthcare Cooperative ("HomePort") is a financial management company specializing in the healthcare marketplace. Our mission is to provide our clients with the methods for acquiring and paying for an affordable healthcare program. Our primary clients are individuals, families and employers. Our other clients are, medical providers, communities and organizations. Healthcare, medical and financial providers are our sources for providing an affordable healthcare program to our clients.

HomePort was formed in 2004 to fundamentally change the mortgage marketplace. The innovative force behind HomePort is Mr. John Pembroke. Together with a team of experienced mortgage executives, HomePort revolutionized how consumers searched for and acquired mortgages. HomePort developed one of the first on-line mortgage exchanges. Having lenders "bid the consumer", Lending Tree, fundamentally changed how consumers could acquire mortgages.

Community Healthcare Cooperative was formed in 2005 to change the healthcare marketplace by using many of the techniques developed in the mortgage industry. In 2017 Mr. Pembroke and a team of business executives formed Community Health Partners USA, LLC. (CHC-USA) to develop alternative programs to high-cost health insurance.

HomePort and CHC-USA offer two types of Healthcare Cooperative, traditional Federal ACA plans and Community Healthcare Cooperative (CHCs). CHCs present a new approach for managing and paying medical bills.

HomePort is the exclusive marketing representative and provides the customer service for CHC-USA. CHC-USA manages the Community Healthcare Cooperative (CHCs), the Community Healthcare Pool and pays the approved medical bills. Together, HomePort and CHC-USA bring to you the most affordable and diverse Healthcare Cooperative available anywhere in the U.S.

2 What are Community Healthcare Cooperative?

Answer: Community Healthcare Cooperative (CHCs) are an alternative to traditional Group and Affordable Care Act (ACA) insurance. A CHC is a Healthcare Plan that removes the insurance company, and creates a direct link between you and Medical Providers. CHCs are exempt from costly state and federal insurance regulations. This means a CHC can be personalized to your needs and wants. You choose your coverages and benefits. Not the government, an insurance company or your employer.

CHCs have been offered for years by church and fellowship organizations. CHC-USA took their basic healthcare model and added significant benefits, coverages, financial and management controls. The CHC-USA approach results in a much more affordable Healthcare Plan for everyone.

CHCs are today's answer to more expensive traditional insurance.

Choosing a Healthcare Plan

3 What type of Healthcare Cooperative are offered by HomePort?

Answer: There are five types of Healthcare Cooperative in the marketplace:

Community Healthcare Cooperative (CHCs): CHCs offer a new approach for managing and paying your medical bills. Church and fellowship organizations have been offering CHCs for many years. Now CHCs are available to everyone in the U.S.

CHCs are not insurance. Rather, CHCs bring individuals, families and employers together to "Self-Insure" against medical costs. Instead of sending money to an insurance company, CHC Members contribute a fixed monthly amount to a "Community Healthcare Pool". When a Member has a Medical Event, the Pool pays the Member's medical bills.

CHCs are the lowest cost, most flexible Healthcare Cooperative available in the marketplace. CHCs are available at any time throughout the year. There are no "Open-Enrollment" requirements. CHCs are only available through HomePort.

Federal Affordable Care Act - ACA (Obamacare): ACA plans are insurance. ACA plans are very expensive and have a very high Max Out-of-Pocket. ACA plans are generally for people who have major medical issues. ACA plans are available through state healthcare exchanges and through HomePort.

Group Plans: Group Plans are a more expensive type of federal ACA plans that are offered by employers to employees as an employee benefits program. These plans are generally not affordable for the employee unless the employer offers a subsidy.

Medicaid Plans: Medicaid healthcare is provided by the state for individuals with lower incomes. Under about $30,000 per year.
HomePort does not offer Medicaid plans.

Medicare Plans: Medicare is a federal healthcare program for people over the age of 65.
HomePort does not offer Medicare plans. We do have a very experienced affiliate who can your Medicare needs. We would be happy to refer you to our affiliate.

4 How do CHC, ACA and Group plans compare in cost?

Answer: CHCs are the least expensive. CHCs will save you about 50% compared to the cost of an ACA or Group plan. For example, the monthly CHC cost for a 25 year-old is about $95. An ACA plan's monthly cost can range from about $200 to over $350.

CHCs are flexible and can be customized to meet your needs and budget. CHCs can include coverages not available with any ACA plan. Just about any medical treatment or healthcare service can be included that is necessary for your health and well-being. You select the coverages you want. Not what the government or an insurance company says you need to have and must buy.

For example, ACA plans are required by federal law to include wellness visits, maternity, drug treatment and others. These coverages add cost and may not be needed or even wanted by you. Why pay for coverages you don't want?

An employer's Group plan's monthly cost is usually about 5% to 15% higher than a traditional ACA Individual plan. In many cases an employer subsidizes the monthly cost to make the Group plan more affordable for the employees.

CHCs are always less expensive for you and your employer. So, employer subsidies can be eliminated or reduced to lower the already low CHC cost.

Another major consideration is the ACA and Group plan's Max Out-of-Pocket cost. Max Out-of-Pocket, "MOOP", is the plan's Deductible plus Co-Insurance cost. ACA and Group plans have a MOOP between $6,550 and $14,000. The CHC MOOP options range from $500 to $2,000. CHCs do not have co-insurance costs. CHCs can save a family thousands of dollars when they use their Healthcare Plan.

5 How should I go about choosing a Healthcare Plan?

Answer: The most important considerations are affordability and coverages.

First,you must be able to afford to pay the plan's monthly cost. Next, you must be able to afford to pay the plan's Deductible and Co-Insurance cost. This is called the annual "Max Out-of-Pocket Cost". If you can't afford to pay either cost, you should not purchase that Healthcare Plan.

If you purchase an un-affordable plan, when you use the plan you could suffer a significant financial hardship or even a medical bankruptcy. Here's why:

Most ACA plans have an annual Max Out-of-Pocket Cost of over $6,000 and $12,000 or more for a family. Most people don't have this amount of money readily available to pay this cost. If you don't have the money, you could have a significant financial problem and may even need to file bankruptcy.

Second, only choose coverages that are important for your health and well-being. ACA plans are "One Size Fits All". ACA plans cannot be customized. You will be paying for coverages you don't need or want.

With CHCs, you can include just about any type of medical treatment and healthcare services. CHCs are the most flexible Healthcare Cooperative in the marketplace and are also the least expensive.

CHCs are our recommended choice for your Healthcare Plan.

6 What exactly are the Max Out-of-Pocket, Deductible, Co-insurance, and Co-pay costs?

Answer: The total cost of your healthcare plan is not just the monthly cost. Most people have heard of a plan's "Deductible". Some people confuse "Co-Insurance" with "Co-Pay". A plan's "Max Out-of-Pocket" is less known, but is more important. The "Annual All-In Out-of-Pocket Cost" is the plan's 12-month premium cost plus the plan's Max Out-of-Pocket cost.

These are the costs you need to understand and know to make an informed decision about your Healthcare Plan.

The Monthly Cost: First, you need to be able to afford the monthly cost. CHCs are about 50% less than ACA plans. For a 25 year-old person the CHC cost is about $95. For the same person, the lowest cost ACA cost is about $200 up to about $350.

The Deductible Cost: Every insurance company charges a "Deductible". When you have a Medical Event you are required to pay the Plan's deductible cost before the Plan pays any of your medical bills. The Deductible payment goes to the Medical Providers. Not to the insurance company. The lower the Deductible, the higher the Plan's monthly cost.

For ACA plans the deductibles range from about $1,000 to over $7,000. For CHCs, the deductibles range from $500 to $2,000.

The Co-Insurance: After the Deductible is paid by you, you and the insurance company share in the remaining costs. This is called "Co-Insurance". The Co-Insurance cost is frequently shown as a percentage. 80/20 for example. This means the insurance company pays 80% of the remaining costs. You pay 20%. Your 20% is capped at a specific maximum amount. This cap is usually hard to find in your plan's description. Look closely. The cap is included in the plan's annual Max Out-of-Pocket cost.

For ACA plans the Co-Insurance cost could run between $1,000 and $7,000. CHCs have no Co-Insurance!

Max Out-of-Pocket Cost (MOOP): This is the cost that is really important to know. The MOOP is the total of your Deductible and Co-Insurance cost. Once the MOOP is paid, the insurance company pays the remainder of your medical costs for the current year.

For ACA plans the MOOP is almost always greater than $6,500 for an individual and over $14,000 for a family. For a CHC, the MOOP is between $500 and $2,000 per person.

As an example, your ACA plan's monthly cost is $500, has a $5,000 Deductible and 80/20 Co-insurance. Your medical costs are $20,000. Once you pay the $5,000 Deductible the remaining medical cost is $15,000. You will pay 20% of this cost until you reach your Max Out-of-Pocket. If your Max Out-of-Pocket is $6,500, your Co-Insurance cost is $1,500 ($5,000 plus $1,500 equals $6,500).

All-in Annual Cost: Finally, add your annual monthly cost to the plan's MOOP to really see the plan's cost. If you are paying $500 per month, your monthly premium's annual cost is $6,000. Add a $6,500 MOOP and you All-In Annual Cost is $12,500 for one person. For your family the All-In cost would be $19,000 ($6,000 plus $13,000).

You must be able to afford to pay both the monthly cost and the Max Out-of-Pocket cost. If you can't, you should not purchase that Healthcare Plan. You need to look to other options.

The Co-Pay: The Co-Pay is what you pay when you visit the doctor. Co-Pays are usually around $50 per visit. However, almost all lower cost major medical plans don't include or have limited office visits.

7 How much Health Insurance do I really need?

Answer: First, with a CHC, there is no "Insurance". CHC provides methods for paying your medical bills. So, the question is better stated, "How much Financial Protection" do I need to pay my medical bills?.

Let's look at the medical cost statistics. These statics came from the federal government's web site CMS.gov. and represent hospital charges and costs:
  • The Average Non-Medicare Cost for all Medical Treatments: $13,537
  • The Average Billed Cost for all Medical Treatments: $66,031
  • The Highest Cost for any Medical Treatment: $173,586
  • The Lowest Cost for a Medical Treatment: $3,088
Other facts:
  • Hospital costs average $3,949 per day, and costs per stay average $15,734.
  • Costs vary greatly from state to state. In one state, a typical Cesarean section costs nearly $48,000, but in another state the same procedure is only $13,000.
  • An angioplasty cost $144,922 in one state and $44,400 in another state.
  • Hysterectomies cost $83,172 in one state and $34,400 in another state.
  • Knee replacement surgery cost $127,500 in one state and $34,400 in another state.
What did we learn: From these statics three facts become clear. First, the average Medical Treatment cost is less than $15,000. Second, the highest cost Medical Treatments are mostly for Medical Events that can be scheduled. Third, medical treatment costs vary greatly depending on where you receive treatment. Choose a lower cost state to have the procedure. Even with travel costs, your overall cost will be less. This allows you to choose where to receive your treatment.

  • Purchase a CHC with a Line of Credit of at least $15,000.
  • When possible, select a time for treatment when the medical facility may not be busy. Negotiate dates and costs.
  • When possible select a medical facility that has the lowest cost with a respectable rating.
  • When you have a major long-term medical cost, purchase an ACA insurance plan. Your on-going Deductible cost will only be about $6,000 per year.
Your HomePort Concierge will help you manage your medical events if and when they occur.

8 My employer offers a "Group" Healthcare Plan. Should I purchase it?

Answer: It depends. Group plans are more expensive type of ACA individual plans. Typically, Group plans cost about 5% to 15% more than an individual, non-group ACA plan and 65% more than a CHC.

Many Group plans don't offer family coverage. If they do, the price to add your family members is usually prohibitively expensive.

Employers frequently give employee subsidies to make their Group plan more affordable. The subsidies may not include family members. The employer subsidies are almost never available to lower the Group plan's $6,000 or more Deductible costs.

Group plans are standardized and cannot be tailored to your specific needs. CHCs are always less expensive, and can be personalized for you and your family. Compare your employer's Group plan to CHCs. We'll help you with this process.

These factors should be considered when deciding whether or not to purchase a Group plan.

9 If I have either an ACA plan or an employer "Group" plan, can I also become a CHC Member and what is the benefit?

Answer: Yes. ACA and Group plans do not offer the range of medical services you have with CHCs. CHCs can be used for doctor visits, dental and vision, and many other medical services not covered by ACA or Group plans.

The most important reason for adding a CHC to an ACA or Group plan is to lower your Deductible and Out-of-Pocket costs.

For example, if your ACA or Group plan has a $7,000 Max Out-of-Pocket cost, you would want to purchase a CHC with a $1,000 Deductible. When you have a Medical Event, you would pay the $1,000 CHC Deductible, then CHC would advance $6,000 to pay your ACA or Group plan's Deductible cost.

A CHC could save you from having a major financial crisis!

10 The ACA allows dependents to stay on their parent's insurance until age 26. Same with CHC?

Answer: Yes. In fact, there is no age limit when adding a dependant to a CHC.

11 What about the ACA Penalty Tax?

Answer:Technically, with a CHC and if you are an individual you would be subject to the ACA Penalty Tax. If you are an employer, it is our opinion your employees are exempt from the ACA Penalty Tax.

The ACA Penalty Tax is rarely enforced. We believe the government is going to eliminate this tax. If not, CHC-USA will reimburse you any Penalty Tax you pay. Do not voluntarily pay the ACA tax.

Do not enter any amount on Row 61 on your form 1040 income tax return. Let the government compute the tax and inform you of the amount.

If you are concerned and want additional information, contact us.

About Community Healthcare Cooperative (CHCs)

12 What types of coverages can I have with a CHC?

Answer: Just about any type of medical treatment or healthcare service can be included. If you want a specific medical treatment or service, contact us. Below are just a few of the standard coverages.
  • Prescription Medications: There is no Co-Pay and you do not have to wait until you pay your deductible, as with most major medical plans. With CHCs, you have coverage on day-one. Medications can be purchased at a significant discount from over 60,000 pharmacies, via the Internet, or by mail order.
    In addition, CHC-USA offers a "Medication Subsidy" to further lower the cost of your medications. With CHCs, you can select a Medication Subsidy from $100 to $5,000.

    Here's how the Medication Subsidy works. For example, if you selected a $500 Medication Subsidy, once your submitted medication bills total or exceed the Medication Subsidy amount, CHC-USA will reimburse you the $500 Medication Subsidy.

    Call for specific details if you have an expensive medication need.
  • Dental and Vision Coverages: With CHC, Dental and Vision can be included as an option. ACA plans do not include Dental and Vision. Stand-alone Dental insurance plans limit your benefits to about $1,000 and have long waiting periods and restrictions on what is covered. CHC has Dental and Vision subsidies from $100 to $5,000. A $50 co-pay per visit does apply.
  • Annual wellness exams: With both CHCs and ACA plans annual wellness exams are included just like any other doctor visit.
  • Labs, X-Rays and other tests included with CHCs: These costs are usually covered by CHC. All tests over $250 require pre-certification for coverage and are limited by your CHSA Account Balance. ACA plans may cover such tests but usually require you to first pay the plan's expensive Deductible and Co-Insurance costs.
  • Maternity and Alternative Treatments: Each can be an included coverage on a case by case basis. ACA plans cover maternity but not alternative treatments.
Unlike ACA and Group plans, CHCs can include all types of recognized medical treatments. Contact us before scheduling your treatment to confirm with us the coverage. You can also go to the "Your Resource Center" and then to "Register a Medical Event" to request a confirmation of coverage.

13 What are my Deductible options?

Answer: With CHC, $500 to $2,000. ACA and Group plans $3,500 to $7,000.

14 How is the CHC Deductible different from an insurance plan's Deductible?

Answer: When you have a Medical Event, an insurance Deductible must be paid. Then you pay the insurance plan's Co-Insurance. The total of these two is known as the plan's Max Out-of-Pocket (MOOP). ACA and Group plans have a MOOP between $6,000 and $14,000. The CHC MOOP options range from $500 to $2,000 per each Medical Event.

With CHCs, the Deductible is paid each time you have a Medical Event. For example, if you have a Medical Event early in the year, you would pay the CHC Deductible at that time. If later that year you have another, separate and unrelated Medical Event, you would pay another CHC Deductible.

Here is why the CHC Deductible is much better than an insurance plan's Deductible. With traditional insurance, a single Medical Event will likely require you to pay the MOOP, $6,000 to $7,500 or more. With CHC, the same Medical Event would cost you only the Deductible amount you selected, $500 to $2,000. So, if you had a $1,000 CHC Deductible, it would take six Medical Events to equal the cost of one ACA insurance Deductible.

It is unlikely that you would have more than one Medical Event in a year. In this case, a CHC could save you $5,000 or more in Deductible costs.

15 What are the CHC Membership Fee and the Plan's Effective Cost?

Answer: The CHC Membership Fee is the amount you pay monthly. The Plan Effective Cost is your CHC Membership Fee less your CHSA Contribution, Subsidies and Discounts.

For Example, if your CHC Membership Fee is $200, your CHSA Contribution is $100 and you receive a $20 Community Subsidy, your credits total $120. Your Plan Effective Cost is $80 ($200 less $100 less $20).

For comparison, consider if you paid $200 for a TV. When you purchased the TV you also received a $120 pre-filled credit card, what was your TV's actual cost? The answer is $80.

With an ACA Plan, your total monthly payment goes to the insurance company to pay their administrative costs. With CHC, approximately 50% of your CHC Membership Fee is returned to you as a credit

16 How does HomePort determine my monthly CHC Membership Fee and my CHSA amount?

Answer: Your CHC Membership Fee is determined by your health condition, chosen deductible, benefits and coverages, age, income and subsidies. The more benefits chosen, the higher the cost. People with lower incomes may receive a "Community Subsidy" to help lower their CHC Membership Fee.

An ACA Plan's monthly price is determined solely by age and Deductible amount.

Your CHSA amount is approximately 50% of your CHC Membership Fee. One variable is if you choose to pay an additional amount into your CHSA. This additional amount would increase your CHSA Contribution and your CHSA Account Balance would grow faster. Another variable is if you select certain coverages that CHC-USA must pay to a third-party. For instance, Stop-Loss insurance. These costs are deducted from the CHC Membership Fee before the 50% calculation.

17 With healthcare insurance my payment goes to the insurance company. With a CHC, where does my payment go?

Answer: Your payment goes to Community Health Partners USA, LLC. (CHC-USA). Your payment is called your "CHC Membership Fee". When received, CHC-USA deposits your CHC Membership Fee into a Community Healthcare Pool (the "Pool").

Next, approximately 50% of your CHC Membership Fee goes into your personal Community Healthcare Savings Account (CHSA). This is called your "CHSA Contribution". The other 50% is used by CHC-USA to operate the Pool, purchase Stop-Loss insurance and pay medical bills.

Note, no insurance company gives you any credit for your monthly payment. CHC-USA does!

The Pool holds your CHC Membership Fees and those received from other CHC-USA Members. The Pool resides in multiple banks and credit unions. Separate Pools are created to stay within FDIC or NCUA insurance limits. Each separate Pool is collectively called the "Pool". The Pool does not pay interest on the deposits. CHC-USA manages the Pool.

18 Can I change my CHC benefits and coverages after I become a CHC Member?

Answer: Usually Yes. It depends on the benefits you want to add or change and your current medical condition. For example, if you want to increase your CHC Line of Credit, add doctor visits or Dental and Vision coverage, just give us a call.

If one of your family members drops off the plan, your monthly CHC Membership Fee will be recalculated. You should use any change as an opportunity to review your entire Healthcare plan, make other changes or add other benefits.

19 When and how do I get my ID Cards?

Answer: Once you register your Primary Care Physician (PCP), your ID cards are then prepared and sent to you. To register your PCP and any other Medical Provider, select "HomePort Resource Center". Then select "Register Your Medical Providers". Complete the information. Then "Submit". Your ID cards will be sent to you via email in about 24 hours.

Your prescription medication ID cards are sent to with your CHC Membership and Policy Agreement.

20 I'm just curious, CHC refers to me as a "Member" rather than an "Insured". Why?

Answer: People who sign up with CHC-USA are called Members because they become members of a Community Healthcare Cooperative. CHCs are not insurance, which is why CHC Members are not referred to as "Insureds".

About Your Community Healthcare Savings Account (CHSA)

21 What is a Community Healthcare Savings Account ("CHSA") and how is it used?

Answer: First, each CHC-USA Member has their own personal CHSA. The CHSA is like a federal Health Savings Account (HSA), but with no deposit limits or significant usage restrictions. The CHSA is like a personal healthcare checking account from which your approved medical bills are paid for you.

Each month approximately 50% of your CHC Membership Fee is deposited into your CHSA. These deposits are called "CHC Contributions". Your CHSA Account Balance is increased each month by your CHC Contributions. There is no limit to the amount you can accrue in your CHSA. Month after month, year after year.

Unlike a federal HSA, all CHSA Contributions from CHC Members belong to the Community Pool. CHC-USA segregates and manages your individual CHSA Contributions and your CHSA.

Interest is not paid on your CHSA Account Balance. A tax deduction may be taken on your CHC Membership Fee and your CHSA Contribution. Call for details.

No insurance plan funds your HSA for you. CHC does!

22 Are there limitations on how I can use my CHSA?

Answer: Very few. Like a federal HSA, there are some limitations. Your CHSA can only be used to pay approved medical treatments and healthcare services. However, the range of medical treatments and healthcare services is far greater than those of a federal HSA.

Your CHSA cannot be used, without CHC-USA approval, for elective procedures or medical treatments that exceed generally accepted (CPT) costs for such procedures. Your CHSA cannot be used to pay Co-Pays.

For a specific case or question, always contact us for a determination.

23 How can I increase my CHSA Account Balance?

Answer: Your CHSA Account Balance can be increased as follows:
  • By making additional CHC Contributions into your plan at any time; monthly, quarterly or annually.
  • By Sponsoring CHC Members - See FAQ 48
  • With "Benevolent Contributions" from other CHC Members - See FAQ 46
  • From your CHC Line of Credit (LOC)- See FAQ 24

About Your CHC Line of Credit (CHC LOC)

24 What is a CHC Line of Credit ("CHC LOC")?

Answer: A CHC LOC is made available to you as a CHC Member to pay your approved medical bills. Your CHC LOC can be accessed after your CHSA has been depleted. For example, if your CHSA Account Balance is $2,400 and you have a $5,000 CHC LOC there would be $6,400 available to pay approved medical bills.

You have an accident and your approved medical bills are $6,000. First, you pay CHC-USA your $1,000 CHC Deductible. Next, CHC-USA pays the Medical Providers as follows:
  • Your $1,000 Deductible is first used; then
  • $2,400 is paid from your CHSA; then
  • $2,600 is withdrawn from your CHC LOC
  • Total Paid to the Medical Providers equals $6,000.
Afterwards, your obligation is to repay your CHC LOC Cash Advances used to pay your medical bills. This can be done by using your "Member Stop-Loss" policy, if you purchased this protection. You could also use Medical Financing or by an increasing your monthly CHSA Contribution.

Your CHSA Account Balance and CHC LOC Cash Advance statement is available from CHC at any time upon request.

25 What are the CHC LOC amounts?

Answer: $5,000 to $25,000

26 Do I need to qualify for a CHC LOC? What are the costs?

Answer: As a CHC Member, you do not have to qualify for a CHC LOC. Your credit rating is not used to grant you a CHC LOC. There is no charge for use of the CHC LOC. You will not pay any interest on cash advances from your CHC LOC.

27 Can I request more than one Cash Advance from my CHSA or my CHC LOC?

Answer: Yes. Cash Advances are tied to a Medical Event. A Medical Event likely will have medical bills from multiple Medical Providers. In this case CHC-USA will make multiple Cash Advances to the Medical Providers.

The first Cash Advances come from your CHSA. If your CHSA becomes depleted, additional Cash Advances are made from your CHC LOC. If your CHC LOC is depleted and there are medical bills remaining you can request a "Benevolent Contribution" or request Medical Financing. Call for details.

A CHSA Account Balance and CHC LOC Cash Advance statement is available from CHC at any time upon request.

About Stop-Loss Insurance

28 What is Stop-loss insurance and how does it work?

Answer: First, Stop-Loss insurance is primarily used to secure and repay a CHC Member's CHC LOC and to lower the Community Healthcare Pool's ("Pool") capital risk.

Stop-Loss insurance a separate insurance plan for any Healthcare Plan. Stop-Loss is sometimes called re-insurance. Stop-Loss insurance is less expensive than a lower deductible healthcare insurance plan. Stop-Loss insurance is used by CHC-USA to lower your, and the Pool's financial risk when paying medical bills for a Medical Event. Without Stop-Loss insurance your Healthcare Plan costs would be much higher.

CHC-USA routinely purchases Stop-Loss insurance from third-party insurance companies. When a Medical Event occurs, CHC-USA receives a cash payment from the Stop-Loss providers. This payment is deposited into the Pool's General Capital Account. When the Pool experiences CHC LOC defaults or other financial expenses, the Stop-Loss deposits are used to off-set these costs.

29 Can a CHC Member purchase Stop-loss insurance?

Answer: Yes. You can purchase your own Stop-Loss insurance for your CHC LOC thorough HomePort. With CHC Member Stop-Loss insurance, the Stop-Loss insurance pays your CHC LOC outstanding balance. This means you would not need to repay your CHC LOC Cash Advances.

CHC Member Stop-Loss insurance benefits range from $5,000 to $25,000.

Call for details and a quote.

About Healthcare Plan Subsidies

30 What type of subsidies are available?

Answer: There are several. Check with us to see if you qualify for a subsidy.

Subsidies can be used to lower your:
  • Membership Fee
  • Prescription Medication costs
  • Dental and Vision costs
Subsidies available from HomePort and CHC:
  • Income Based
  • Needs Based
Subsidies available from Other Sources:
  • Your Employer
  • Church and fraternal organizations
  • Federal and state governments

31 How are subsidies received and applied?

Answer: CHC Income and Needs-Based subsidies are applied directly to your CHC Membership Fee.

With Prescription Medications and Dental and Vision costs, subsidies will reduce these costs. When your receipts equal or exceed your Healthcare Plan's subsidy amount, send a copy of your receipts to HomePort. After processing, HomePort will send you your subsidy.

32 What are the subsidy amounts I can receive?

Answer: You can select the subsidy amount.
  • For Prescription Medications: $100 to $5,000
  • Dental and Vision costs: $100 to $5,000
  • For all other subsidies: Varies by employer and the organization
We continue to see subsidies added and changed. Check with us for the latest information.

About Doctors & Other Medical Providers

33 Can I use my doctor or any other doctor I choose?

Answer: With very few exceptions, you may use any Primary Care Physicians (PCP) you choose. There is no "In-Network" requirement. With an ACA plan, your doctor may not be affiliated (In-Network) with your insurance plan. In addition, almost all the lower cost ACA plans do not include doctor visits other than one annual wellness visit.

With CHC, you select your doctor and the number of office visits you want during the year. Each office visit has a low $50 Co-Pay. If you exceed the number of visits you select, no problem. You can continue to use your doctor. However, your Co-Pay goes to $100.

Other Medical Providers can also be registered with HomePort. In general, Medical Providers are defined as any person performing a medical treatment such as doctors, dentists, nurses, psychologists, chiropractors and other persons meeting the requirements of their professional organization's affiliation.

If you want to use other Medical Providers that are not your PCP, simply register your Medical Provider before scheduling an appointment. If you need to see a specialist, you can also register the specialist. You do not need a referral from your PCP. To register a Medical Provider, go to "Your Resource Center" and then to "Register your Medical Provider".

34 How do I go about finding a Primary Care Physician or any Medical Provider?

Answer: First, check with friends, relatives or neighbors. Referrals are your best source. Go to "Google" and check for doctors in your area. Contact a few and ask if they are accepting new patients. Ask if they offer discounts for patients who don't have insurance. Almost all do. In fact, they prefer patients who don't have insurance!

Next, once you find a Medical Provider you want to use, register your Medical Provider on the HomePort website. Once we receive your registration we will contact the Medical Provider, inform them of the CHC program and confirm their pricing. We'll then report back to you with our findings. We'll also send to you your CHC Medical Provider ID Card.

This is really important. When contacting any Medical Provider tell them you do not have insurance and request a self-pay, cash discount. Otherwise, they will ask for your insurance card or the name of your insurance company. You want to avoid this question. It will only confuse the conversation and slow down the process.

Again, you can use any doctor or Medical Provider you want. There is no "In-Network" requirement.

35 Do I need to register every doctor I go to?

Answer: No, just your Primary Care Physician (PCP). However, if you regularly see a specialist, register that doctor. If you have a medical event and see several doctors, you don't need to register these doctors. Just register the Medical Event.

36 What should I do when I go to the doctor's office?

Answer: When you go to the doctor show the receptionist your ID card. Tell the receptionist you do not have insurance. You are self-pay and want a cash discount.

When completed, pay the bill. Get a copy of the Statement of Services and the payment receipt.

Then send us a copy of the Statement of Services and your payment receipt. You can use the HomePort website, mail or fax the documents to 303-679-1943. When received we will process your reimbursement.

It's just that simple!

Note, this program is only for the physician's services. Medications, blood draws and tests are additional charges you may have to pay to your doctor or a third party. These costs can be paid from your CHSA with approval.

37 My doctor has not heard of HomePort or CHC. What should I do?

Answer: This is not uncommon especially if you don't show your CHC ID card or identify yourself as not having insurance. Most Medical Providers are only familiar with the larger insurance companies. If you are talking to the Medical Provider on the telephone before a visit, tell them you are "Self-Pay" and give the Medical Provider our telephone number and email. Ask them to contact us.

If you are at the Medical Provider's office, be sure to give them your CHC ID card. Directions and our contact information are on the back of the CHC ID card. Tell the Medical Provider to call us for certification and directions.

Remember, you need to tell the Medical Provider you do not have insurance, you are self-pay and want a cash-pay discount.

38 Does CHC negotiate rates with the Medical Providers?

Answer: Yes, HomePort negotiates rates and payment terms. You must first register the Medical Provider with CHC-USA before we can negotiate costs and payment terms for you.

39 My doctor is recommending an expensive series of tests and medical treatments. What should I do?

Answer: Go to the "Your Resource Center" and then to "Register a Medical Event". When we receive your form, we will check pricing and make recommendations. You can then decide to proceed with treatment or contact your doctor for other options.

Note: We are not challenging any medical treatment recommended by your doctor. We are only reviewing the price and where you might receive treatment.

About Medical Events and Medical Conditions

40 What is a Medical Event?

Answer: A Medical Event is generally defined as any medical treatment with a Medical Provider for an Accident, Critical Illness or a Non-Critical Illness. A Medical Event generally costs more than $500. An office visit with your doctor for a routine medical treatment is not considered a Medical Event.

Accident Medical Event: The general definition of an accident is an event that occurs unintentionally and usually results in harm or injury. An accident is not an illness and an illness is not an accident.

Critical Illness Medical Event: The general definition of a Critical Illness is a Heart Attack, Stroke, Serious Coronary Artery Disease, Kidney Failure, Aplastic Anemia, Blindness (Loss of Sight), End Stage Lung or Liver Failure Disease, Coma, Major Burns, Paralysis, Alzheimer's Disease/Severe Dementia, and any Terminal Illness. However, a specific medical condition may or may not be a critical illness as defined by the medical insurance industry.

Non-Critical Illness Medical Event: The general definition of a Non-Critical Illness is not being an accident or having a critical illness. A Non-Critical Illness is a non-life threatening condition and a non-long term illness. The list of Non-Critical Illness or procedures is too long to list here. However, here are some examples; gallbladder or hernia surgery, or orthopedic and general out-patient surgical procedures.

41 What should I do when I have a Medical Event?

Answer: The answer depends on when the Medical Event occurs. If your Medical Event is to be scheduled at a later date, then you should send us a Medical Event Registration Form now. Your HomePort concierge will help you with your Medical Event check pricing and where you should consider receiving the treatment.

If your Medical Event has already occurred, then as soon as practical you need to register your Medical Event.

The Medical Event Registration Form is on the HomePort website. Select the "Your Resource Center". Then select "Register a Medical Event". Complete the information then "Submit".

If possible, receive treatment from your Primary Care Physician or at an Urgent Care facility. Not at an ER. Obviously, if it is an emergency, receive treatment at the nearest medical facility.

Please note, if there is a delay in registering your Medical Event, your Medical Event's bill processing may be delayed or even denied. Please be timely with your registering of any Medical Event.

42 What if I have pre-existing medical conditions?

Answer: With CHCs, most pre-existing conditions are acceptable. Pricing will vary depending on the nature of your medical issue. ACA plans are required by law to accept people with pre-existing conditions. This is one of the reasons why ACA prices are so high. Always disclose your medical condition when requesting a Quote.

The following are just a few examples of pre-existing medical conditions:

Severe Medical Conditions: The general definitions of Severe Medical Issues are a Heart Attack, Stroke, Serious Coronary Artery Disease, Kidney Failure, Aplastic Anemia, Blindness (Loss of Sight), End Stage Lung or Liver Failure Disease, Coma, Major Burns, Paralysis, Alzheimer's Disease/Severe Dementia, and any Terminal Illness. However, a specific medical condition may or may not be a critical illness as defined by the medical insurance industry.

Moderate Medical Conditions: Any medical condition requiring regular physician evaluations and generally treated with higher cost prescription medications. For example:
  • Alcohol or Chemical dependency
  • Neurological disorder
  • Currently pregnant or considering pregnancy
Slight Medical Conditions: Any medical condition not requiring regular physician evaluations and generally treated with generic or lower cost prescription medications. For example :
  • Weight: Women 250+; Men 300+
  • Asthma; Thyroid
  • High Blood pressure treated with Meds
  • High Cholesterol treated with Meds

43 What happens if I have a CHC and then I'm diagnosed with a very serious, long term illness?

Answer: CHC-USA would assist your move to an ACA plan. ACA plans are required to take all persons with pre-existing medical conditions. There will likely be requirements to meet such has having a Qualifying Life Event or being inside the "Open-Enrollment" period.

Contact us for further answers to this question.

About Medical Bills

44 How are my medical bills paid?

Answer: First, you need to register your Medical Event to inform CHC-USA about the Medical Event. A Medical Event Registration form is available on-line at the HomePort website. Go to the "Register Your Medical Event". Complete the form and "Submit".

Once your Medical Event is registered, your HomePort Concierge will begin to help you with your Medical Event, Medical bills, payment terms, Cash Advances from your CHSA and CHC LOC.

You will need to send your medical bills to HomePort for processing. When received, your medical bills are reviewed by the HomePort Concierge. The HomePort Concierge will then attempt to negotiate a reduction in your medical bills and to establish a payment program, if needed.

Once approved, the agreed upon payments to the Medical Providers are made from your CHSA. If your CHSA Account Balance is not sufficient to pay your medical bills, your CHC LOC is accessed. Funds are withdrawn from your CHC LOC, deposited into your CHSA and your medical bill payments continue from your CHSA to the Medical Providers.

If your CHC LOC is depleted, then, with your permission, we will do a Benevolent Contribution solicitation. Funds received from the Benevolent Contribution solicitation are deposited into your CHSA and are used to pay the Medical Providers.

You can also check for Medical Financing. Your HomePort Concierge can help you.

During this payment period, there is usually no increase in your CHC Membership Fee and your CHSA Contribution will be used to pay the Medical Providers. Once your Medical Providers have been paid, your CHC Contribution will be used to first repay your CHC LOC Cash Advances, then begin again to increase your CHSA Account Balance.

45 What if my medical bills exceed my CHSA Account Balance and my CHC LOC?

Answer: First, we would look to Benevolent Contributions. Benevolent Contributions are voluntary payments received from fellow CHC Members to pay your medical bills. With your permission, CHC-USA will solicit contributions from other CHC Members. Your name will not be disclosed. Only the amount of the contribution will be disclosed, as well as a general description for the need request.

CHC-USA will manage the receipt and the application of the Benevolent Contributions. You are not obligated to return or repay the Benevolent Contributions. However, we do ask you to be considerate when another CHC Member needs help with their medical bills.

Next, Medical Financing can be used to finance an expensive medical procedure or your approved medical bills. In most cases we will use a residential home mortgage, a cash-out refinance, or a home equity loan. We'll research financing options for you.

Medical Financing can also be used to finance up to 5 years of your CHC monthly and out-of-pocket costs. A $500 monthly CHC Membership Fee can be reduced to only about $175.

HomePort has a license to use a U.S. Patent for financing a Healthcare Plan using a residential home mortgage. Contact us for details and assistance.

At the end of the day, you are responsible for the payment of your medical bills. As financial planners, we can help you to manage the payment of your medical bills.

46 What's a Benevolent Contribution?

Answer: CHCs were first created by Christian and fellowship organizations. These organizations saw the importance of having their members help other members in a time of need. When a member has medical bills that they can't or have a hard time paying, they ask the community of members for assistance. We call this a Benevolent Contribution.

When you have medical bills that exceed your CHSA Account Balance and your CHC LOC, you can ask us to initiate a Benevolent Contribution. We'll reach out to the community of CHC Members and ask for assistance. Your name and contact information will not be disclosed. We will only disclose the amount of the need.

Money is then sent to CHC-USA and is managed by CHC-USA to pay your outstanding bills. You are not obligated to repay any of the Benevolent Contributions. We do ask however, that you return the kindness when another CHC Member needs assistance.

47 What is and why do I need a HomePort Concierge?

Answer: Healthcare is too complex to manage by yourself, leave to your employer, insurance broker or the state healthcare exchange. You need a professional with the knowledge to answer your questions and guide you through any healthcare process or medical issue. This is why each Healthcare Plan we offer includes the services of a HomePort Concierge.

Your HomePort Concierge will help remove the hassle, uncertainty and complications when you need to deal with healthcare issues. Your Concierge will:
  • Help you locate cost effective medical services.
  • Review your medical bills to discover charges that should be questioned.
  • Negotiate cost reductions of your medical bills.
  • Negotiate payment terms for your medical bills.
  • Authorize CHSA and CHC LOC Cash Advances; and
  • Pay your medical bills for you.
Once your Medical Event is registered, your HomePort Concierge will begin managing many aspects of your healthcare and financial wellbeing. Just call and ask.

Lowering Your Healthcare Costs

48 How can I lower my monthly CHC Membership Fee?

Answer: One way to keep your Healthcare Plan affordable is to only purchase coverages and benefits that are important for your health and well-being.

For example, ACA plans include maternity and drug treatments. If you are a male who doesn't drink alcohol you likely don't want to pay for these coverages. You can't decline these coverages. You have no choice, you must pay for these coverages. This is a big problem for some Christian organizations that object to contraception coverages.

On the other hand, CHCs are totally flexible and can be personalized to your meet your individual needs and desires. Just about any type of recognized healthcare services and treatments can be included with a CHC.

Below are your options to lower your CHC Healthcare Plan:
  • Choose a higher CHC Deductible.
  • Lower your CHC LOC amount.
  • Receive Subsidies: HomePort has available subsidies. Call us or see the FAQs on "Subsidies".
  • Split Policies: If one family member has a significant medical issue, purchase an ACA plan for that family member. Then purchase a separate CHC for the other family members. The combined cost will always be lower than having all family members on an ACA plan.
  • Sponsor other CHC Members: This is the easiest and best way to lower your monthly payment and increase your CHSA Account Balance. For each new CHC Member you "Sponsor", we'll lower your monthly CHC Membership Fee $10 each month. There is no limit to the number of new CHC Members you can sponsor.
    Sponsoring CHC Members can eliminate your monthly CHC Membership Fee and add to your CHSA Account Balance.
    Tell you friends, relatives and neighbors about your CHC experience. If they are interested and want to know more, you go to the HomePort website. Select "Your Resource Center" Then select "Sponsoring CHC Members", follow the directions, complete the form and submit. We'll follow-up with your referral and keep you posted.
  • Use Medical Financing: Medical Financing can be used to finance up to 5 years of your CHC Membership Fees and CHC Deductibles. A $500 monthly CHC Membership Fee can be reduced to only about $175.

49 What is Medical Financing?

Answer: Medical Financing is offered by several third-party companies to pay medical bills. These companies generally issue you a credit card with a fixed amount that can only be used to pay medical bills. The card limit is usually around $15,000, carries a high interest and you must qualify for the card.

HomePort has Medical Financing tied to a residential home mortgage. Financing your Healthcare Plan with HomePort has many benefits:
  • Your CHC Membership Fee can drop by over 70%. A CHC Membership Fee's monthly cost of $500 can be reduced to only $130!
  • Your CHC Membership Fee is fixed for 5 years. No yearly price increases!
  • Your Deductible, Co-Insurance and Co-Pays can also be financed. This means you will have no Out-of-Pocket costs!
  • If you change or lose your job, you don't lose your Healthcare Plan!
  • Instead of paying a high interest, your pay a low interest and your loan payment's interest is tax deductible!
HomePort has the exclusive rights to finance healthcare costs with a residential Home Mortgage.

You can only get this option at HomePort. Call for details.