Introduction: The Home Page introduced you to how CHC can benefit you and your Community. This page presents more details. In specific, we are offering you two Proposals. One, to help your Community residents and receive a Financial Subsidy for your Community's Hospital and other Medical Provicers.
Two, to help your Staff have an affordable Healthcare Plan.
Community Subsidy Proposal: Offer the CHC Healthcare plan to your Communy's residents. Then, have CHC pay you a Community Financial Subsidy. Your first reaction may be "Why?" We have some novel thoughts for you. Please read on.
Affordable Healthcare Proposal: Offer the CHC Healthcare plan to your Staff as your main healthcare plan or as an optional choice with your current "Group" plan. You can include volunteers and other non-employees.
To Receive Your Financial Reimbursement Proposal: Click the "Request a Proposal" HUG at the bottom of this page.
To Receive a Healthcare Quote: Click the "Request a Quote" HUG or use the Drop-Down Menu "Quotes & Proposals".
To Learn More: Click a Blue Bar. If you still have questions, go to the FAQs.
To Contact Us or to Ask Us to Contact You: Click a "Contact" HUG at the bottom of this page.
Your Situation: Most rural communities in the United States are faced with many financial challenges. Having sufficient cash to keep offering services to your Community is likely at the top of your list.
So is the problem that your Hospital and other Medical Providers are in need of capital assistance. Your Hospital may be on the verge of closing. Other Medical Providers may be leaving your Community. We can help!
Our Proposal 1: CHC will subsidize your Hospital's annual operating budget! Your hospital will receive a cash subsidy each month even when your Hospital performs no medical services!
We also have a Financial Subsidy program for your other Medical Providers to stay in your Community and continue providing Medical Services.
To learn more about our Hospital Subsidy, go to the "Learn More" Drop Down and select "Hospitals - Financial Subsidy".
Our Proposal 2: Offer to all residents in your Community the CHC Healthcare plan. We will provide you and your Community an on-going monthly Financial Subsidy. See the Blue Bars for more information or contact us for details.
Your Services: Your Financial Subsidy is paid to you for each of your Residents you sponsor and who join CHC. The amount of your Financial Subsidy is based on the type of services you perform. You Have Two Options:
Option 1 - Referral: In your facility, simply introduce CHC to your Residents. For those Residents who have health insurance, ask them if they would like to have a “free”, no obligation review of their healthcare insurance plan.
For those Residents who do not have insurance, ask them if they would be interested in having healthcare insurance that is affordable.
Collect some basic information and forward to CHC. We will follow-up with a CHC Healthcare Affordability Review for each Resident who answers “Yes”.
Option 2 - Counseling: Have a staff person perform the CHC Healthcare Affordability Review (the Quote). The time to do a Quote is about 5 minutes or less.
Next, review the results with the Resident. The review process takes on average about 10 minutes. Then, if the Resident wants to join CHC and purchase a CHC Healthcare Plan, help the Resident complete a short application and forward to CHC for processing. This takes about 10 minutes.
Recommendation: The Counseling Option pays the Annuity-Style Subsidy. This option has the greatest compensation and is the longest paying. With either Option it will be another great service offered by you to the Residents of your Community.
Action: Request a Proposal. When you receive a proposal from us, you'll see that the CHC Financial Subsidy can produce a significant and on-going Financial Subsidy.
You have two Options: Your Financial Subsidy is paid to you for each of your person you sponsor and who join CHC. The amount of your Financial Subsidy is based on the type of services you perform. You Have Two Options:
Option 1 - Referral: In your facility or elsewhere, have a staff person simply introduce CHC to your residents. For those residents who have health insurance, ask them if they would like to have a “free”, no obligation review of their healthcare insurance plan.
For those residents who do not have insurance, ask them if they would be interested in having healthcare insurance that is affordable.
Collect some basic information from the resident and forward to CHC. We will follow-up with a CHC Healthcare Affordability Review for each resident who answers “Yes”.
Option 2 - Counseling: Have a staff person perform the CHC Healthcare Affordability Review (the Quote). The time to do a Quote is about 5 minutes or less. Next, review the results with the resident. The review process takes on average about 10 minutes. Then, if the resident wants to join CHC and purchase a CHC Healthcare Plan, help the resident complete a short application and forward to CHC for processing. This takes about 10 minutes.
Recomendation: The Counseling Option pays the Annuity-Style Subsidy. This option has the greatest compensation and is the longest paying. Annuity Income is much better than Transactional Income. With either Option it will be reat service offered by you to your Community residents.
Action: Request a Proposal. When you receive a proposal from us, you'll see that the CHC Financial Subsidy can produce significant capital that can be dsitributed to your selected Medical Providers.
To Start: We're going to use some financial terms.
Transactional Income is what you receive when you sell a product or a service. You get paid once per transaction.
Annuity Income is when you receive income without doing anything. Of course, you must do something once. But after that one event, you would receive continuing income.
Annuity Income is much better than Transactional Income. Especially if you want recurring money to build or stabilize your Medical Providers and to continue offering services to your Community.
A Financial Model to Consider: In the financial world, your Residents would be classified as “Non-Performing Assets”. Because your Medical providers only receive compensation when they perform a billable Medical Service.
Only when the Medical provider bills and gets paid are your Residents classified a “Performing Asset”.
Annuity Income turns you Residents into full-time "Performing Assets. Even if the Medical Providers never perform or bill that Patient for another Medical Service.
The Model - Consider an airline. Until the airplane flies with paying customers, the plane is a cost, a Non-Performing Asset. Every empty seat is loss income. When the plane flies with paying customers, the plane is a revenue producer, a “Performing Asset”. More paying customers, more income. The same applies to your Community.
Moving Forward: Currently, your Residents are primarily Non-Performing Assets. Your Residents offer your Community's Medical Providers the opportunity to receive significant, non-medical service, Annuity income.
The CHC Financial Subsidy Program turns your Residents into full time, Performing Assets. The more Residents who join CHC, the more Community Subsidies you receive.
Rural America has a major problem keeping hospitals and other medical providers operating and in the Community. Your Residents must have local medical services.
City and town officials were hired or elected to provide for the welfare of Community's citizens. What's your plan to address your Community's problem? The Clock's Ticking!
Our Proposal: Receive a CHC Financial Subsidy to support your Community: individuals, families, employers, and all Medical Providers.
Think About How CHC Can Change Your Community's financial future!
Their Headache: Traditional healthcare insurance has become completely unaffordable for everyone, including your Residents. Both monthly and again when your residents have to pay their insurance plan's deductible and co-insurance costs.
Your Problem: Reports show that fewer people have health insurance. Yet, they still need basic wellness and non-routine medical services. For routine medical services they may use their primary care doctor. Or they may use your Hospital's ER. In each case your Hospital or Medical Providers may offer a non-insurance, self-pay discount. However, there still remains a potential payment and bad debt issue.
If your Resident has a major medical issue, your Hospital must treat the person even if they have no insurance and likely will not be able to pay for their medical services.
Helping Your Community: Many of the people in your Community cannot afford traditional healthcare insurance. Employers can't afford Group insurance.
Your Opportunity: The CHC Financial Subsidy can off-set your Hospital's and Medical Providers' costs and bad debts. CHC aggregates the payments from your Community's Residents; individuals, families and employers. These aggregated funds are used to pay your Hospital the CHC Financial Subsidy. The same Pool of money is available and can be received by any Medical Provider in your Community.
At the same time, we provide your Community's Residents with an affordable Healthcare Plan that will save them up to 50% on their monthly cost. More importantly, savings of up to 80% on their deductible and co-insurance costs. CHC also provides financial assistance, low-income subsidies, healthy and family discounts.
You should also consider CHC for your Staff. Your Staff is like everyone else. Each needs an affordable healthcare plan that can be tailored to their needs and budget.
Let us do a Proposal for you and a Quote for your Staff to see how beneficial CHC can be for you and them.
They Need an Affordable Healthcare Plan: Your Staff is just like other people in your Community. They have families and the same healthcare needs.
What About the Cost: If you are offering your Staff a healthcare plan, we can reduce your and their cost. If you are not offering a healthcare plan, now is the time!
Suggestion: Take a few minutes to read "Learn More - For Employers".
Let us do a quote for your Staff to see how beneficial CHC can be for them and you.
Auto Dealerships: How People Buy Cars - How Dealerships Sell Cars
How People Buy Cars: They locate a reputable dealer. They go to the dealership. They probably look at some cars and the pricing before going inside to talk with a salesperson. Once inside, they'll be shown options. This is the fun part. They are choosing what they want. They are "building" their car.
Now it gets down to the business of buying the car. This is not fun. The salesperson and the sales manager are back and forth until finally everyone agrees on the price. But for the dealership, the process is not finished.
How Dealerships Sell Cars: Long ago car dealerships learned that just selling cars was not enough. They began offering insurance and financing, which allowed them to sell more cars and significantly increase their dealership's income.
Dealerships created the Finance and Insurance (F&I) person. After the "Sale was Made" the F&I person takes care of the "paperwork" and creates another major income stream for the dealership. In many cases, the income is greater from F&I then from the sale of the car. In addition, the F&I creates an "Annuity-Style income for the dealership.
Just Like CHC is proposing for you and your Community.
How Your Community can use this Successful Model:
Like Car Dealerships, offer CHC to all your Community's Residents. Offer to do an "Insurance Affordability Check". Run a CHC Quote. See how much money you can save them. You benefit them and you receive a Financial Subsidy for your Community.
Summary: Every Resident in your Community needs affordable healthcare. Your position in the Community is excellent to offer all the persons in the Community an affordable CHC Healthcare Plan. Besides, isn't this the type of service your residents want from their Community Officials?
Action: Contact us to receive a proposal showing your Community's potential Financial Subsidy opportunity.
There are two main factors.
First, because of the cost of healthcare insurance, fewer people have insurance. When they have any medical issue, they go to the Hospital ER. Because hospitals must, by law and commitment, provide their medical services. Your Hospital provides the medical services with little likelihood of getting paid or reimbursed.
Second, those that have insurance are still required to pay the insurance plan's deductible and co-insurance costs. In 2020, these out-of-pocket costs average about $8,000. The majority of the Residents in your Community do not have $8,000 to pay this cost. So, for all practical purposes, even people with insurance may not be able to pay their insurance company's Out-of-Pocket costs or their medical bill.
The result, without insurance payments or financial aid from state and federal governments, hospitals will go bankrupt. It's a fact happening all over the U.S. Likely in your Community as well.
The underlying problem in both cases is money. Money can solve your Community Hospital's financial problems. The question is, where does the money come from? The answer, the Community Healthcare Cooperative.
Our Proposal: CHC has a Hospital Subsidy program that pays your Hospital an on-going, monthly " Cash Subsidy.
Why would we do this? We need your Community Hospital to provide medical services for our Cooperative Members. We want to keep your Hospital operating!
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.
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.
You Have Two Choices
Design Your Own Plan: By Clicking the "Design Your Own Plan" graphic, a form will appear. Simply choose the Coverages and Benefits you want in your Company Plan. Then you will see your CHC Healthcare Plan's price.
When you finish, send us the form. We'll review, maybe offer some suggestions. Upon your approval, we'll design your Implementation Plan.
Remember, each of your Staff will still be able to personalize their plan.
Request a Quote: Have us Design a Plan for and with you by Clicking the "Request a Quote" graphic. A form will appear. Answer a few questions. Send the form to us and we'll get back to you with a Quote. Then, with our help, you can make changes to fit your needs and budget.
With your acceptance, we'll immediately start implementing your CHC Program.
If you want us to contact you or have questions
Click one of the "Contact" HUGs at the bottom of this page.