Community Healthcare Cooperative

People Insuring People

Affordable and Personalized Healthcare Plans for Individuals, Families and Employers
+
Financial Subsidies for Hospitals & Medical Providers

CHC is all about affordable healthcare for individuals, families and employers.
We also have programs to financially subsidize hospitals and all types of medical providers.
We have a liberal, annuity-style, compensation program for sales organizations and independent representatives.

We offer many benefits and opportunities for a wide range of people and organizations.

How to Navigate Our Website:   At CHC we have a common question. "Do you just want to know the time or do you want to know how the watch works." Our Website does both: learn about CHC or just get a Quote. You choose how much information you want to see and what you want to do.
To simplify and to quickly navigate you to your area of interest, we use three approaches:

v  Drop-Down Menus: At the top of each page are "Drop-Down Menus".  You have four choices; "Learn More", "FAQs", "Quotes & Proposals" and the CHC Member "Resource Center". Click to see your options. Then Select your area of interest.

v  Accordion Menus:  These are the Blue BarsBlue Bars present information Click a Blue Bar and you will see the content. For FAQs, the Blue Bar will show the Question. Click the Blue Bar and you'll see the Answer.

v  The HUGs:  On most pages are graphics that we call the "HUG". The HUG represents our focus on "Embracing Our Community". Click a HUG and you will go to that area or trigger an event. 

For Quotes & Proposals:  If you are an individual, family or an employer, and just want a Quote, you have two choices. You can request us to do your Quote for and with you. Or, you can do your own Quote.
Simply select the appropriate HUG on the "Learn About Us" or use the "Request Quote/Proposal" Drop-Down Menu to make your selection. For a Quick Quote, go directly to the "Request Quote/Proposal" Drop-Down Menu and make your selection

CHC Members: If you are already a CHC Member and have a question or need to file a medical claim, use the "CHC Member Resource Center" Drop-Down menu at the top of each page. You can also use the "General Inquiry" HUG or most pages.

Privacy:  We respect your privacy. Unlike many sites, we will not ask you for your contact information. Obviously, if you want to contact us, you'll need to send us your contact information.

Learn About the Community Healthcare Cooperative

People Insuring People  

The Community Healthcare Cooperative - CHC:  We are a community-focused, member-funded organization, providing affordable healthcare solutions for individuals, families and employers.

We are similar to an Agricultural Cooperative, that provides a "One-Stop" community business service for farmers.

CHC is a "One-Stop" community healthcare service, which provides affordable healthcare plans for you, and all persons located in your community in all 50 states.

Our Mission:  To make healthcare more affordable to purchase and to receive when you need a medical service.

Provide Affordable Healthcare for Everyone  

To all residents in your Community:
ü 
Individuals
ü 
Families
ü 
Employers
ü 
Medical Providers
We bring the Community together to "Self-Fund" the cost of your Medical Services:
ü 
People Insuring People
ü 
Communities Helping Each Resident afford their Medical Services
ü 
Medical Service Payments are made Direct from You to Medical Providers
ü 
Medical Service Reimbursements are made Direct from CHC to You
Every person and employer design their own CHC Healthcare plan
ü 
You choose the Benefits and Coverages you want
ü 
You choose your own doctors from all types of Medical Providers
ü 
You choose your own Medical Services: All Medical Services are available
ü 
You choose your own Medical Services: All Medical Services are available
ü 
You choose to have your Prescription Medications Costs reimbursed 100%
ü 
You choose your Co-Pay. No Deductibles or Co-Insurance
ü 
You choose your Max Out-of-Pocket costs
ü 
You choose how long and when to have your CHC Healthcare Plan effective
ü 
You choose to lock-in your Plan prices for up to 3 years
We provide Healthcare Plan and Medical Service Discounts and Subsidies:
ü 
Healthy Discounts, a reward for being Healthy
ü 
Family Discounts that increase with family size
ü 
Low Income Subsidies when your income is below local standards
ü 
Benevolent Fund to pay your Healthcare Plan costs when your income is affected
ü 
Medical Provider Subsidies to financially support Community Medical Providers
We help you manage your total healthcare experience:
ü 
You are provided with a Personal Healthcare Concierge Service
ü 
You receive a Community Healthcare Savings Account (CHSA)
ü 
We match your CHSA contributions and pay 5% on CHSA balances
ü 
We can provide medical financing
ü 
You are provided with an option to Receive Free Healthcare

We are all about You, Your Community and Saving Money!

We Changed The Money Path

From You - Direct to your Medical Providers

Background:  Before healthcare insurance, people directly paid the doctor.  If they didn't have the money, they traded farm products for their medical services.  Doctors took care of patients.  Patients paid the doctor.  Everything worked.  Then, when insurance companies entered healthcare, it all changed.  The money went to insurance companies.  Not to your doctor.  As time progressed, more rules, more limitations, higher costs.  It's time to return to the old days.  A direct patient to doctor relationship.

Step 1 - Change Who Receives Your Payment:  The Money Path starts with you.  So, we start with you and your Community.  You and your fellow citizens contribute to a Community Cooperative Healthcare Pool.  The Pool pays the doctors and other Medical Providers for your Medical Services.  Simple and Direct.

Step 2 - You Receive Your Medical Services:  You choose your doctor.  Not some third party.  You can receive any type of Medical Service; holistic, acupuncture, chiropractic, for example.  You are not limited by an insurance company.

Step 3 - You Receive Medical Provider Discounts:   As a CHC Member, when you receive a Medical Service, most Medical Providers will give you a discount.  Discounts can be anywhere between 5% to 50% or more.
Shop your Medical Providers like you would for any other service!

Step 4 - You Receive Cash Reimbursements:   After treatment, you send your medical bills to us.  We'll send you cash reimbursements or directly pay your Medical Providers. 

Eliminate the "Middle-Man"

By eliminating the "Middle-Man's" costs and profits, your healthcare costs are lower, and you have more choices of Medical Providers and Medical Services.  You have a direct path to your chosen Medical Providers and Medical Services!

Your entire Community comes together by the need and desire to have affordable healthcare.

Let's Return to Earlier Times

Return to the time when Medical Services were just between you and your doctor.

You Save Money

ü Your Healthcare Plan is about 50% less expensive than any other plan
ü
You can Include any person, even pets, on your CHC Plan 
ü Your Medical Services cost less with Medical Provider Discounts 
ü All Medical Services are available: dental, vision, hearing, holistic, etc. 
ü Your Prescription Medication costs are Reimbursed 100%, No Co-Pays 
ü Your Deductible and Co-Insurance Costs are eliminated 
ü You select your Co-Pay amount - Control your Out-of-Pocket costs 
ü Healthy and Family Discounts + low Income Subsidies are available  
ü Medical Provider “Network” Requirements are eliminated  
ü You receive a Community Healthcare Savings Account (CHSA)  
ü CHC matches your CHSA contributions dollar-for-dollar  
ü CHC Pays 5% interest on your CHSA Contributions 
ü You receive a CHC Concierge Service for billing reviews & medical help 
ü You can have Loss of Income protection for CHC, ACA and Group plans  
ü You receive full USA coverage and can select World-Wide coverage  
ü You can select a contract term from 1 month to 3 years  
ü You can choose a Price Lock - Price Availability guaranty up to 3 years  
ü You can receive Free Healthcare by Sponsoring others to join CHC  
ü You have a Dedicated Team acting as your Healthcare Advocate    
ü You are part of your Community's Initiative of People Insuring People

No other Healthcare Plan can match CHC's Benefits & Coverages your Employees can Receive

 

Learn How Community Healthcare Cooperative Helps You & Your Family
Tailored to Your Age Group  

Your Life:  You may be in school and need a healthcare plan now.  You may be paying off student loans with a job that pays less today than what you will earn later.

For most people like you, healthcare insurance takes too much of your budget.  You pay your rent first, food next, and if there is anything left, you may go to a movie.  You think you are invincible and don't need insurance.  So, you don't buy it.

Why You Need CHC

You Have a Medical Event:  You have a skiing accident and you're faced with a hefty medical bill.

Now what?  Should you ask your folks to pay?  Ignore the bill, be sent to collections and be sued?  File for bankruptcy?
None are good choices.

CHC Prices:  We have healthcare plans starting as low as $100 a month.  You can even have your payment date on the day you get paid.  Even weekly if you prefer.

Have a pet?  We can include your pet on your CHC Healthcare plan.

Low Income Discount:  Check with us to see if you qualify for an "Income Subsidy".

Benevolent Subsidy:  In school?  Recent graduate?  See if you qualify.

Avoid the hassle and financial risk.  Don't go uninsured and risk your credit rating.

No surprises. Think about it! 
Your Next Action:  Use the Drop-Down Menus at the top of the page OR Click a HUG

 

What Would You Like To Do Next?

Tailored for Young Families  

Your Life:  You and your spouse together are making a good living.  With both salaries you can pay your company's healthcare plan's $550 monthly premium.  So you do.
However, you didn't read the fine print.

Why You Need CHC

You Have a Medical Event:  You have biking accident.  Your medical bills are $10,000. No problem. You have insurance.  Then you receive an "Explanation of Benefits" from your insurance company.  You owe $8,000. You don't have $8,000!  How did this happen?
Likely, you didn't closely read your policy.

If you had, you may have found out your insurance plan has a $2,000 deductible and $5,000 co-insurance.  What's co-insurance, you ask?  Now what do you do?

If you had a CHC Healthcare Plan, you could have only a $1,000 Out-of-Pocket cost. Traditional health insurance has an annual Out-of-Pocket cost of about $8,000.  You want to avoid this financial risk!

CHC Prices:  We have healthcare plans starting as low as $225 a month for both of you.  You can limit your Out-of-Pocket cost to only a $1,000 maximum.

Family Discount:  Cover your partner for less than having a separate policy.  Even an employer plan.  Get a Quote and see.

Get better coverage than a company plan. Join CHC.
No surprises. Think about it! 

Your Next Action:  Use the Drop-Down Menus at the top of the page OR Click a HUG

What Would You Like To Do Next?

Tailored for All Family Members, including Pets, on Your Healthcare Plan

Your Life:  You now have the responsibility to take care of all your family members.  Not just yourself.  You need a healthcare plan for everyone.

Your employer offers a group plan.  The cost to add family members is really expensive.  But you pay the cost because you want to protect your entire family.

You Have a Medical Event:  In the same month, your son broke his leg playing soccer and your dog had to go to the vet.  Your son's medical bills were $2,500.  Your company plan's negotiated price.  No coverage for your family dog, $800 out of your pocket.

Why You Need CHC

CHC Prices:  We have family healthcare plans, including your pets, starting as low as $412 a month.

Out-of-Pocket costs:  You can select a maximum Co-Pay of only $1,000.  CHC would have saved you $1,500 on your son's medical bills.  Better than your company plan. 
And CHC has no deductibles or Co-Insurance.

Family Discounts:  The larger the family, the larger the Discounts.  Avoid family "Up-charges".

The CHC Concierge Service:  Get help and guidance from CHC for billing reviews, price negotiations and general medical information help. 

Get better coverage than a company plan.  Join CHC.

Your Next Action:  Use the Drop-Down Menus at the top of the page OR Click a HUG

What Would You Like To Do Next?

Tailored to Your Way of Life  

Your Life:  The kids are on their own.  Hopefully you have settled into a more stable income with just you and your partner.

You are 58 and healthy.  You looked into healthcare insurance.  You got a quote for $725. Almost $1,400 to add your partner.  For fun, you also got a quote for a 30 year-old.  This quote was $225.  You asked yourself the question "Why do I have to pay $500 more each month just because I’m a little older?  I'm healthy!  Why am I being penalized?"

Why You Need CHC

With CHC, we look at your overall health, not so much about your age.  You can have a very affordable and personalized healthcare plan that is about 50% less than any traditional or Group plan.  Have a deductible of only $1,000.  Receive discounts to lower your already low CHC Healthcare Plan's cost. 

CHC Prices:  Total Price for a senior Family of two start as low as only $528 per month.

Healthy Discount:  CHC gives discounts for you having taken care of your health.

Family Discount:  Cover your partner for less than having a separate policy.

Avoid the up-charge for seniors.  Join CHC.
Your Next Action:  Use the Drop-Down Menus at the top of the page OR Click a HUG

 

What Would You Like To Do Next?

Learn How Community Healthcare Cooperative Helps Your Organization
A Lower Cost, Replacement for Group Insurance 

What You Want:  An Affordable Healthcare Plan.

Your Situation:  If you are not offering a Healthcare Plan, likely it's because of the cost.  If you are offering a Healthcare Plan, its expensive for both you and your Staff.

Maybe you subsidize the cost.  This helps your Staff afford the monthly cost.  But it is expensive for you.

What about your plan's $8,000 deductible and co-insurance costs?

Can your Staff afford this Out-of-Pocket cost?  Likely not.
Does this make sense?
 
Our Proposal:  CHC can eliminate all of these issues.  CHC allows you to offer an affordable healthcare to anyone you choose:  Employees, Part-Timers, 1099s, Volunteers (your "Staff").

v   We can significantly lower your plan's monthly cost
v   We can significantly lower your Staff's Out-of-Pocket costs
v   CHC is available to anyone you want to include 
v   No Need to "Subsidize".  Your cost is more affordable for you and your Staff.
v   Your Staff can select the Coverages and Benefits they want
v   Prescription Medications are reimbursed 100% with no Deductibles or Co-Pays
v   Your Staff can use any Medical Provider:  No "In-Network" requirement
v   Your Staff can use any Medical Service:  Traditional, Non-Traditional & Holistic
v   Your Staff can receive Discounts and Subsidies
v   Your Staff can receive a "Free" CHC Healthcare Plan

What Would You Like To Do Next?

A Novel Approach to Increase Your Sales and Lower Your Healthcare Cost  

What You Want:  Likely, it would be more Sales and more Compensation!  You might even want an affordable healthcare plan for yourself, your staff and others.

Your Situation:  Covid has changed your business and your staff.  Covid has also changed all of your clients.  We are suggesting that you have a new opportunity to help your Staff and your clients.

Offer a new service that will make your clients more likely to remain with you and buy more products and services. Affordable healthcare has always an important subject and talking point.  Now it is more important than ever.  CHC save you can your clients money.  The money you save your clients makes it easier and more likely for them to purchase your product or service.
Our Proposal: Add the CHC Healthcare plan to your list of services you provide your clients!

ü   We can significantly lower a Group plan's monthly cost
ü   We can significantly lower the Staff's Out-of-Pocket costs
ü   CHC is available to all full-time, part-time, 1099, and even volunteers 
ü   No Need to "Subsidize".  The CHC monthly cost is more affordable thank any Group plan.
ü   Staff can select the Coverages and Benefits they want.  No so with a Group plan.
ü   Prescription Medications are reimbursed 100% with no Deductibles or Co-Pays
ü   Staff can use any Medical Provider:  No "In-Network" requirement
ü   Staff can use any Medical Service: Traditional, Non-Traditional & Holistic
ü   Staff can receive Discounts and Subsidies
ü   Your Company and Staff can receive a "Free" CHC Healthcare Plan
  

To Proceed:  Click "Request a Proposal".   If you want a Healthcare Quote, Click either "Design Your Own Plan", to do the Quote yourself.   OR, Click "Request a Quote" and we'll do a Quote for you. 
For questions or anything else, Click "Contact CHC".   Thanks for your continued interest.  Have a Great Day!

What Would You Like To Do Next?

A Novel Approach to Increase Your Membership and Lower Your Healthcare Cost  

What You Want:  Likely, it would be to attract and provide more services to your members!  You might even want an affordable healthcare plan for yourself, Staff and others.

Your Situation:  Union and Trade Associations are usually formed to provide services to their members.  Members remain with an Association as long as they believe the cost of membership benefits them.

Therefore, retaining current members a recruiting new members is a top objective.  So is getting operating money so you can continue to support your members.  We can help you with both of these initiatives!

Our Proposal:  Add the CHC Healthcare plan to your list of services you provide to your members!  
ü Receive exceptional, "Annuity-Style" compensation that pays you month-after-month, year-after-year, with no compensation reductions. No income limit. 
ü No administrative or support activities:  we manage all follow-up activities
ü No territorial or member restrictions 
ü Discount healthcare for you, your family and your Staff 

Why We are Offering You this Proposal:  
ü To provide you with a new recruiting and retention program 
ü To financially support your Association 
ü To help all your members get an affordable healthcare plan

To Proceed:  Click "Request a Proposal".   If you want a Healthcare Quote, Click either "Design Your Own Plan", to do the Quote yourself.   OR, Click "Request a Quote" and we'll do a Quote for you. 
For questions or anything else, Click "Contact CHC".  Thanks for your continued interest.  Have a Great Day!

What Would You Like To Do Next?

A Novel Approach to Increase Your Donations and Lower Your Healthcare Cost  

What You Want:  Likely, it would be to attract and provide more services and support to persons in your Community!  You might even want an affordable healthcare plan for yourself, your Staff, volunteers and others.

Your Situation:  Non-Profit Organizations are generally formed to provide benevolent services to the community.  The Red Cross provides emergency relief and support.  Social Advocacy groups generally promote social projects.  Church organizations offer their members benevolent and spiritual help.
Healthcare is an important benevolent and social need!

Another important need is receiving contributions and other forms of financial assistance so you can continue your benevolent services.

We can help you with both objectives 

Our Proposal:  
ü Receive exceptional, "Annuity-Style" Donation that pays you month-after-month, year-after-year. 
ü Available to all the persons you counsel and assist

ü No administrative or support activities:  we manage all follow-up activities
ü No paperwork to file
ü No territorial or other restrictions  

ü Discount healthcare for you, your family, your staff and volunteers

Why We are Offering You this Proposal:   
ü To help the business community in your area offer affordable healthcare to their employees 
ü To help individuals and families obtain an affordable healthcare program
ü To help all members of your Community avoid a financial tragedy 
ü To provide you with funds to keep you offering your services to the Community

To Proceed:  Click "Request a Proposal".   If you want a Healthcare Quote, Click either "Design Your Own Plan", to do the Quote yourself.   OR, Click "Request a Quote" and we'll do a Quote for you. 
For questions or anything else, Click "Contact CHC".  Thanks for your continued interest.  Have a Great Day!

What Would You Like To Do Next?

A Novel Approach to Increase Your Income Without adding Staff or Working More  
What You Want:  Likely it's one or more of the following: 
ü Practice medicine and eliminate paperwork
ü Work less and make more money
ü Decrease Staff and make more money

ü Have an option to selling your practice

Your Situation:  Let's start with the obvious.  You want to practice medicine.  But, it's hard to do when faced with mountains of paperwork just to get paid for your medical services.  Hiring more clerical staff just increases cost and your management time.  Profits are dropping along with insurance reimbursements.  Either you stick it out or sell to a large hospital chain.  How about another option

Our Proposal:    
ü Receive a Financial Subsidy that pays you month-after-month, year-after-year; No Limits
ü You receive your Subsidy even when you perform no Medical Services
ü No administrative activities 
ü No paper work to file 
ü Your Subsidy could exceed your income from providing Medical Services 
ü You can take a vacation without losing income, even retire
If you do want to retire or have a partner, let us know. We may be interested. 

Why We are Offering You this Proposal:  
ü We need Medical Providers to provide medical services for our Members.
ü We want Members to use an affiliated and trusted Medical Provider 
ü We want to keep you and other Medical Providers providing Medical Services in your Community

To Proceed:  Click "Request a Proposal".  If you want a Healthcare Quote, Click either "Design Your Own Plan", to do the Quote yourself.   OR, Click "Request a Quote" and we'll do a Quote for you. 
For questions or anything else, Click "Contact CHC".  Thanks for your continued interest.  Have a Great Day!

What Would You Like To Do Next?

A Novel Approach to Increase Your Capital and Lower Your Financial Risks  

What You Want:  Financial assistance that assures your Hospital's viability.

Your Situation:  Most rural hospitals in the United States are faced with many financial challenges.  Having sufficient cash to keep operating is likely at the top of your list.  If your Hospital needs capital assistance, then you will benefit from our proposal.  

Our Proposal for Your Community Hospital and Other Medical Providers:    
ü CHC will subsidize your Hospital's annual operating budget month-after-month, year-after-year; No Limits
ü CHC will pay your Hospital Subsidy even when your Hospital performs no Medical Services
ü No administrative, billing activities or paperwork to file
ü Your Hospital can continue to accept insurance and other medical service payments

Why We are Offering You this Proposal:  
ü We need your Community Hospital and Medical Providers to provide medical services for our Members.
ü We want Members to use an affiliated and trusted Medical Provider 
ü We want to keep your Community Hospital and Medical Providers providing Medical Services in your Community

To Proceed:  Click "Request a Proposal".  If you want a Healthcare Quote, Click either "Design Your Own Plan", to do the Quote yourself.  OR, Click "Request a Quote" and we'll do a Quote for you. 
For questions or anything else, Click "Contact CHC".  Thanks for your continued interest.  Have a Great Day!

What Would You Like To Do Next?

A Novel Approach to Increase Your Compensation

What You Want:  Likely, it would be more Sales and more Compensation!  You might even want an affordable healthcare plan for yourself.

Your Situation:  You may be in a situation where your compensation is being reduced; typical insurance sales.  You may have a compensation plan that only pays you once, such as a real estate broker.  No residual income.

Your future may have been significantly impacted by Covid or other factors.
Time to make a change!

Our Proposal:  Become a CHC Representative!  Start a new career!  
ü Exceptional, "Annuity-Style" compensation that pays you month-after-month, year-after-year, with no compensation reductions. No income limit. 
ü No administrative activities 
ü No territorial restrictions 
ü Discount healthcare for you and your family 
ü Free training and back-office support 
ü Everyone is a prospect:  Individuals, families, employers, all businesses

Why We are Offering You this Proposal:  We need CHC Reps
ü To call on the business community in your Community 
ü To help employees move from their Group plan to a CHC Healthcare Plan
ü To help all individuals and families get an affordable healthcare plan

To Proceed:  If you want an Application, Click "Send me an Application".   If you want a Healthcare Quote, Click either "Design Your Own Plan", to do the Quote yourself.   OR, Click "Request a Quote" and we'll do a Quote for you. 
For questions or anything else, Click "Contact CHC".  Thanks for your continued interest.  Have a Great Day!

What Would You Like To Do Next?

See a Summary of CHC Benefits and Plan Comparisons

Everyone Saves Money  

ü   Your Healthcare Plan is about 50% less expensive than any ACA or Group plan
ü
  You can Include any person, regardless of age, even pets
ü
  Your Medical Services cost less because of CHC Medical Provider discounts
ü
  All Medical Services are available: dental, vision, hearing, holistic, and more.
ü
  Your Prescription Medications are Reimbursed 100%, No Co-Pays
ü
  You can receive Healthy and Family Discounts
ü
  You can receive qualifying low income subsidies
ü
  Deductible and Co-Insurance Costs are eliminated
ü
  Your Out-of-Pocket Financial Risk is reduced because you select your Co-Pays
ü
  Medical Provider “Network” Requirements are eliminated
ü
  You can use any Medical Provider
ü
  You receive a Community Healthcare Savings Account (CHSA)
ü
  CHC matches your CHSA contributions dollar-for-dollar + Pays 5% interest
ü
  You receive the CHC Concierge Service for billing reviews and healthcare advice
ü
  You can have Loss of Income protection for CHC, ACA and Group insurance plans
ü
  Covid Coverage is included
ü
  World-Wide coverage is available
ü
  Variable contract term from 1 month to 3 years
ü
  Price Lock guaranty up to 3 years for all Benefits and Coverages
ü
  Your CHC Healthcare Plan can be fully paid by CHC; Free Healthcare
ü
  A Dedicated Team that stands with you as your healthcare Advocate
ü
  
You are part of a Community-Wide Healthcare Initiative of People Insuring People.

No other Healthcare Plan can match CHC's Benefits and Coverages you can Receive

 

CHC Offers More Choices, Coverages and Benefits, at Less Cost, than Any Other Healthcare Plan

The following Table shows three different CHC Healthcare Plan's compared to a traditional ACA Insurance plan.
The CHC prices include popular coverages such as wellness visits, tests and vaccines.  Each column under the plan shows the Coverages and Benefits.  Each CHC plan can be further personalized to meet your needs and budget. 

What Would You Like To Do Next?