FAQs - For Individuals & Families

You have Questions. We have the Answers.

Introduction: These are questions generally asked by individuals and families.   Look at the questions in the Blue Bar.  To see the answer, "Click" the Blue Bar.  If you have a question that is not answered here on in another FAQ, Click the "Contact CHC" HUG at the bottom of this page.

v  Other Options:  To see other FAQs or to Learn More, use the Drop-Down menu options at the top of this page.
  For a Quote or Proposal:  
Select that option from the Drop-Down Menu.
  To See Testimonials:  
Choose "See Testimonials" from the Drop-Down list. 

Questions and Answers

Answer:  The Community Healthcare Cooperative (CHC) is a community-focused, member-funded organization, providing affordable healthcare solutions for individuals, families and employers.  People Insuring People.

CHC is similar to an Agricultural Cooperative, which provides a "One-Stop" community business service for farmers.

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

CHC's Mission:
ü   To make your overall healthcare plan more affordable:
v  Lower monthly cost
v  Lower Out-of-Pocket cost
v  Lower Medical Services Cost
  To lower your financial risk when you receive any medical service:
v  You select your Out-of-Pocket costs
v  You receive Discounts & Subsidies
v  No cost surprises
 To make it easier for you to manage your entire healthcare experience:
v  You Have a Personal CHC Concierge Service
v  Who reviews your Medical Bills for errors and high costs
v  Who negotiates with Medical Providers on payments and terms

Answer:  No.  Your pets are treated just like any other family member.  

Answer:  Yes.  You can have anyone pay for your CHC Healthcare Plan.  

Answer:  Yes.  There is no age or relationship requirement with a CHC Healthcare plan. 

Answer:  No.

Answer:  Yes.  We will do what works for you.  You set the day of the month and the number of payments in the month. 

Answer:  You can use your credit or debit card or any other on-line payment  program. 

Answer:  Yes.  Your CHC Healthcare plan gives you coverage anywhere in the U.S.  You can also get World-Wide coverage if you travel outside the U.S. 

Answer:  You pay your medical bills on the day you receive your medical services.  This practice allows you to receive the Day-of-Service discount.  For routine medical services the cost is less than $250.

For medical services that cost more than $250, contact CHC and have a CHC Concierge advise you how to proceed. 

Answer:  Your can use an Medical Provider and any Medical Service.  Even "Holistic" and Non-traditional Medical Providers can be used.  There are no Medical Provider Restrictions or Limitations.


Primary Care Physicians:   We prefer you use PCPs for wellness, routine Medical Services.
Urgent Care Facilities:  Use an Urgent Care facility for all non-routine Medical Services.
Hospitals and Stand-Alone ERs:   Only use a hospital and ER for life-threatening situations.
  ER prices are 8 times or more higher than an Urgent Care.

Everyone Saves Money  

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


The following Table shows three different CHC Healthcare Plan's compared to a traditional ACA and a typical Group Insurance plan.

The CHC prices include popular coverages such as wellness visits, test and vaccines.  Each column under the plan shows the Coverages and Benefits.  Each CHC plan can be further personalized to meet the needs of each Affiliate's needs and budget. 

Answer:  You have several options.

Request a Quote:  To receive a healthcare Quote, Click the "Request a Quote" HUG.  The RFQ Form will appear.   Time to complete, less than 5 minutes.  Then send the Form to us.  We'll be back to you within 24 hours. 

Design Your Own Healthcare Plan:  Go to "Quotes & Proposals" and select "For Individuals & Families".  A Design Form will appear. Follow the directions, make your selections.  Then send the Form to us.  We'll be back to you within 24 hours with our comments and suggestions.  Then you can finalize your plan.  Approval time is about 24 hours.

Learn More:  We suggest you review some of the other FAQs. Particularly, the FAQs about the Community Healthcare Cooperative and the FAQs about CHC and Other Healthcare Plans.

Have Questions:  Click the "Contact CHC" HUG.

Thanks for your continued interest. 

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