Frequently Asked Questions
For Singles & Families
First, please read “For Singles & Families” in the header “CHC Plans“. There’s a lot of information there. Then these “FAQs“. Lastly, select what you want to do next. Click an “Action Button“.
Thank You for your interest! The FAQs Follow
The Community Healthcare Cooperative “CHC” is a community-focused, member-funded organization, providing affordable healthcare solutions for individuals, families and employers.
CHC Is similar to an Agricultural Cooperative, which provides a “One-Stop” community service for farmers. CHC is a “One-Stop” healthcare service for you and everyone in your community.
Our Mission: To make healthcare affordable, less financially risky and easier to manage.
A CHC Plan is Affordable: The CHC Healthcare Plan’s monthly cost is about 50% lower than any ACA or Group insurance plan. The CHC Healthcare Plan is not insurance, therefore you are not required to pay for coverages you don’t want.
We only offer one Healthcare Plan. Why not more? The CHC Healthcare Plan includes all Medical Services with no deductibles or co-insurance costs. Just a simple and affordable Co-Pay. That’s the reason we only need to offer one healthcare plan.
Member Services: Every CHC Member receives a personal CHC Healthcare Concierge to help the Member with a wide range of health and cost related issues.
Corporate Headquarters: We’re located in Colorado and offer our CHC Membership & CHC Healthcare Plan anywhere in the U.S. and the World. We’ve been around for over eight years.
People Insuring People is Who We Are
Everyone – No Limitations
✓ No Age Restrictions: Include any dependant on your plan regardless of age
✓ No Relationship Restrictions: Grandparents, adopted families, aunts, uncles, etc.
✓ Your Pets can also be included: They are family too!
No! However, if you want to build credit, CHC will be happy to report your payment history.
Yes! We will do what works for you. You set the day of the month and the number of payments in the month.
Either! You can use your credit or debit card or any other on-line payment program.
Yes! Your CHC Healthcare plan gives you coverage anywhere in the U.S and the World when you travel outside the U.S.
You and CHC: 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.
Anywhere: You can use any Medical Provider, any medical service anywhere in the U.S. and the World.
We do suggest you follow these guidelines
✓ Primary Care Physicians (PCP): Use for annual wellness exams and general well-being Medical Services.
✓ Urgent Care Facilities: Use for any Non-Routine Medical Service.
✕ Free-Standing ER Facilities: A Free-Standing ER may direct you to a Hospital ER for treatment. In which case, you would likely incur two, expensive ER medical treatment costs.
✕ Hospital ER Facilities: Treatment costs at a Hospital ER are about 10 times more than an Urgent Care. Only receive Medical Services at a Hospital ER for a life-threatening Medical Event, or if directed by an Urgent Care Facility.
A Summary of CHC Healthcare Plan Benefits
✓ CHC Healthcare Plans are More Affordable than an ACA or Group Plan: About 50% less expensive per month. Out-of-Pocket costs are about 80% or more less expensive.
✓ Each CHC Plan is Individually Designed by You: Not by an insurance company or the government
✓ You can use any Medical Provider, Any Medical Service, Anywhere in the World: No “In-Network” requirement. No limitations! Included popular coverages: Traditional Medical, Holistic, Dental, Vision, Hearing, Acupuncture, Chiropractic, Labs, Tests & X-Rays, Vaccines, Critical Illness, Medical Transportation and more
✓ Your Prescription Medications are Reimbursed 100%: No Deductibles or Co-Pays
✓ You don’t have any Deductibles or Co-Insurance: Only a single, affordable Co-Pay
✓ You Receive Discounts & Financial Subsidies: For Being Healthy, Having a Family, Being a Senior, Having a Low Income.
✓ Financial Subsidies:
Loss of Income Subsidy – If and when you lose your income due to a medical event, CHC will pay your CHC Healthcare Plan’s monthly price.
ACA & Group Plan Financial Subsidy – CHC will pay your ACA or Group plan’s costs when you are diagnosed with a major medical illness and an ACA or Group plan is recommended
✓ You Receive the CHC Healthcare Concierge Service: Helps you manage your entire Healthcare Program. Reviews your medical bills for possible billing errors. Locates medical service discounts and cost-effective Medical Providers. Answers your general healthcare questions.
✓ You Get a Community Healthcare Savings Account (CHSA): Our CHSA is similar to a federal HSA with greater benefits. Here’s a key difference. CHC matches your CHSA Contributions and pays 5% interest on your CHSA balances.
✓ You Can Get Sponsorship Bonuses: You can receive $100 for each person or family you Sponsor who purchases a CHC Healthcare Plan. If you’d like more cash, become an independent CHC Rep. Read “For Independent Reps“.
✓ Price-Lock Guarantee: No price increase options for up to 3 years.
✓ ✓ Plus More… Contact CHC
Each CHC Healthcare Plan is personalized by each Staff Member
The Following are Representative Prices: One CHC Healthcare Plan, which can be customized by choosing may different options. The CHC prices include popular coverages such as Wellness visits, Dental, Vision, Hearing plus Holistic, Chiropractic, and Acupuncture Medical Services.
ACA & Group Plans only include Wellness visits until the Plan’s Out-of-Pocket costs are met. Dental, Vision, Hearing are extra costs that need to be purchased from other insurance companies. Holistic, Chiropractic, Acupuncture are usually not covered.
Out-of-Pocket Costs: CHC has no Deductible or Co-Insurance Cost. Only a single, affordable Co-Pay with a Maximum of $1,000 Out-of-Pocket cost per Medical Claim.
ACA & Group Plans: The annual Deductible and Co-Insurance Cost is about $8,000. This cost must be paid before the ACA pays any Medical costs. The only exception is an annual Wellness exam. Not Very Affordable!
Note: Because a CHC Healthcare Plan has more coverages than an ACA or Group plan, this is not a true “Apples to Apples” comparison.
To Get a CHC Healthcare Plan Quote
You have Three Options.
Get a Quick Quote NOW: Go to the “Header“. Select “Quotes & Pricing“. A Design Form will appear. Follow the directions, make your selections. You’ll get your Quote in about 2 minutes.
You will not need to disclose any personal or contact information. We are not going to contact you unless you want us to.
When completed, Click “Submit“. We’ll be back to you within 24 hours with our comments, suggestions and likely your approval.
Request us to do a Quote with you: Click the “Contact Concierge Services“. Request us to contact you. Tells us when. We help you design your own healthcare plan.
To Learn More – Have Questions: We suggest you either call us or use the “Contact Concierge Services” to send us an email.
Thanks for your continued interest