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How Your Community Healthcare Cooperative Works

How to Choose an Affordable Individual Community Healthcare Cooperative

How CHC Manages Your Medical Event

The following is an example used to explain how CHC operates when you have a Medical Event.

Your Community Healthcare Cooperative

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

Your Concierge Services: You register your Medical Event with HomePort. First, your HomePort Concierge helps you locate initial and follow-up medical services. Your HomePort Concierge contacts the Medical Providers to review then negotiate your medical bills and payment terms. In this example, your medical bills are reduced from $20,000 to $15,000. A payment plan is also established. The medical providers will be paid by CHC-USA $1,000 per month for 15 months.
The HomePort Concierge negotiations saves you $5,000 and gives you and CHC-USA time to pay your medical bills.

Your CHSA Account Balance: You have been making your $200 CHC Membership Fee for 12 months before your accident. For the same 12 months, CHC-USA has been depositing $100 into your Community Healthcare Savings Account (CHSA). Your CHSA Account Balance is $1,200 ($100 X 12). You pay your $1,000 CHC Deductible to your CHSA. Your CHSA Account Balance is now $2,200.

Additional CHSA Credits: You have a $10,000 CHC Line of Credit (CHC LOC). Your CHC LOC supplements your CHSA giving you $12,200 to pay your medical bills.

Paying Your Bills: Each month CHC-USA pays the Medical Providers the agreed upon $1,000. Your monthly, $100 CHC Contribution is first used then CHC advances $900 from your CHSA. This process continues until your CHSA Account Balance reaches $0 in about month 3. You have 12 payments remaining before the medical providers are fully paid.

Accessing Your CHC LOC: CHC-USA now starts advancing the $900 from your CHC LOC. (Remember $100 is continuing to be received from your monthly CHC Contribution). Your CHC LOC will reach $0 in about 11 months. You have 4 payments remaining before the medical providers are fully paid. During this 7 months, your $100 CHSA Contribution continues; $400. Each month there is a $900 short-fall. Over the remaining 4 months your short-fall totals $3,600. Your Medical Bills are fully Paid. Now you have to make a decision.

CHC Member Stop-Loss Insurance: If you purchased Stop-Loss insurance, your Stop-Loss policy will pay-off your CHC LOC cash advances.
If not, you either pay-off the balance, use Benevolent Contributions or Medical Financing.

Pay-off the Balance: Use your funds to pay-off the $3,600. Increase your monthly CHC Contribution until your negative CHSA Account Balance is repaid.

Requesting Benevolent Contributions from Other CHC Members: With your approval, CHC-USA will solicit other CHC Members to help you pay the remaining $3,600. Assuming success, $3,600 is received and is used to pay-off your negative CHSA Account Balance.

Requesting Medical Financing: You also have the option to request and receive Medical Financing to pay-off the $3,600.

Call for details and qualifying requirements.