Healthcare Plans
You Can Afford

How Your Family Healthcare Plan Works

How to Choose an Affordable Individual Healthcare Plan
Community Healthcare Plan from HomePort Healthcare Services

How Your CHP Manages a Medical Event

Your Family Healthcare Plan

The following is and example used to explain how your Family Health Plan operates.

Assumptions: Your monthly CHP Contribution is $200.00. From this amount, you have $100.00 in Pool Credits which are deposited monthly into the CHP Family Healthcare Pool (the "Pool").

A Medical Event Occurs: You have a major accident while skiing. You receive treatment and your medical bills are $20,000. You register your Medical Event.

Your Concierge Services: Your Concierge contacts the medical providers to negotiate your medical bills and payment terms. Your medical bills are reduced from $20,000 to $15,000. A payment plan is also established; $1,000 per month for 15 months.
This saves you $5,000 and gives us time to pay your medical bills.

Community Healthcare Plan from HomePort Healthcare Services

The CHP Pool Pays All Bills

Choosing Healthcare Coverages and Benefits

Your Pool Account Balance: You have been making your CHP Contributions for 12 months before your accident. Your Pool Account Balance is $1,200 ($100 X 12). You pay your $1,000 CHP Deductible to the Pool. Your Pool Account Balance is now $2,200.

Additional Pool Credits: Your have a $5,000 CHP Third-Party Cash Reimbursement Benefit. $5,000 is added to your Pool Account Balance for a total of $7,200.

Using the Pool to Pay Your Bills: Each month the Pool pays the medical providers the $1,000. Your $100 Pool Credit is first used then the Pool advances $900 from your Pool Account Balance. This process continues until your Pool Account Balance reaches $0 in month 8.
You have 7 payments remaining before the medical providers are fully paid.

Other Members Now Help to Pay Your Bills: The Pool now advances $900 from the Pool's General Capital for 7 months. At month 15 your bills are paid and your Pool Account Balance is a negative $6,300 ($900 times 7).

Refilling your Pool Account Balance: Your $100 Pool Credits continue and are first used to pay back your $6,300 Pool Advances and then, to increase your Pool Account Balance.

Community Healthcare Plan from HomePort Healthcare Services

Summary of Benefits

Choosing Healthcare Coverages and Benefits

CHP lowered your medical bills $5,000. Your monthly Contribution remained the same. Your Max Out-of-Pocket was only $1,000. Not the traditional $7,000. This saved you $6,000. Your total savings is $11,000. Your healthcare budget was not changed and CHP eliminated all your financial risks.

No Cost, no credit check to use of the Pool: There is no charge for use of the Pool and you will not pay any interest on the Pool Advances. Your obligation is to repay any negative Pool Account Balance.

Community Healthcare Plan from HomePort Healthcare Services

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