Your Healthcare Quote

For Individuals and Families

Design Your Personal Healthcare Plan

Welcome:  Here's a few things you need to know.  We won't ask you for your name or contact information to give you a Quote.  We respect your privacy.  If you want our help, you'll need to ask us. 
If you prefer, we'll do the Quote for and with you.  Otherwise, you can Design your own healthcare plan.  It'll take about 5 minutes to complete.  Longer if you want to learn as you go.  Let's get right to it. 

Directions:  There are only five steps.  Click the Step 1 Blue Banner and that section will open.  Answer a few questions and move to the next Step.  As you select your Coverages and Benefits, you will see your Plan Price change.  Each page has some directions and tips.  More detailed information, can be found in the FAQ section.

When Completed:  Send your Design to us for review.  We might have some suggestions.  Click the "Send Us Your Plan Design" HUG.

Contact Us:  If you have any questions or need assistance completing your Healthcare Design, Click the "Contact CHC" HUG.  We'll promptly respond.

Thanks for your interest and participation.
Click Step 1 to begin designing your personal CHC Healthcare Plan!

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Quick Start:  We don't need your names unless you want to send us your Quote for review or to place an order.  Otherwise, just enter your age and Health class to see your Quote. 

To see the explanation for "Health Class", Click the exclamation mark.
To add other family members, including pets, Click on the "Add Dependants / Pets".

Optional Questions:  We'd like to know if you have healthcare insurance.  You may be entitled to a subsidy or discount.

Subsidy Information: Take look.  The CHC Plan Price Is your total price for all persons you list.

Annual Taxable Income:  CHC offers Discounts and Subsidies for being healthy, having a family and those with lower incomes.  For an Income Subsidy, your Annual Taxable Income disclosure is required.

Other Subsidies:  Employers, even CHC, may provide subsidies.  If available, enter the amount.

Monthly Healthcare Budget:  CHC will help you design your CHC Healthcare plan to stay within your budget.

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Your Coverages:  The "Checked" Coverages are included in your base plan. To add other Coverages, Click the Coverage box next to the Coverage you want to have.

Prescription Medications:  Unique with your CHC Plan, Prescription Medication costs are reimbursed 100% up to the selected Prescription Medication Benefit Amount.  There are no Deductibles or Co-Pays.  Prescription Medications can be purchased on-line or at your local pharmacy. 
TIP:  To Determine your benefit amount use your prescription medication cost from the previous year.  Then add anticipated Medication costs for the upcoming year.  $1,000 maximum reimbursement benefit.
 


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Medical Services Benefit Amount:  This is the amount available to pay your approved Medical Service bills.  Individual is per person.  Family is the total for all family members.  Options are up to $25,000.  
TIP:
  The popular choices are $5,000 & $10,000.  On a tight budget select $2,500 or $5,000.  This will cover all wellness and most non-routine medical services. 

Co-Pay Max:  With CHC there are no deductibles or co-insurance costs.  Only an affordable Co-Pay.  You choose the maximum you pay for each Medical Service.  This option limits your Out-of-Pocket cost with no cost surprises.
Tip:
 
 Options are $500 to $2,000.  The popular choice is $1,000.  You can lower your Plan’s cost with a higher Co-Pay Max.

CHC Plan Subsidy & ACA Plan Subsidy:  CHC will pay your CHC or ACA Plan's monthly cost when you have a loss of income caused by a Medical Event.  For each, enter either a 6 or 12 month benefit term.  The amount of the benefit will show in the Benefit field. 
Tip:
 
 These benefits supplement your CHSA and Medical Services Benefit Amount.  These are two great options for you if you are concerned about paying for your healthcare plan if and when you have a loss of income due to a Medical Event.

Medical Services Benefit Amount

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CHC Plan Subsidy

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ACA Plan Subsidy

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TOTAL Benefits

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The CHC Community Healthcare Savings Account is similar to a federal HSA with fewer restrictions and greater benefits.  The CHSA also pays 5% interest.  Better that any bank!

CHSA by You is your monthly CHSA Contribution to your CHSA and will be included in your monthly CHC Plan Price.
CHC matches your CHSA Contribution dollar-for-dollar.  Free Money!
To see your CHSA Projected Account Balances enter a month in the Month field.
Example:  To see the CHSA Account Balance at the end of the second year, enter 24 in the Month Field.

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Discounts & Subsidies:  The first row shows your Discounts and Subsidies.   The next row shows the Retail Price less Discounts & Subsidies plus your CHSA Contribution.  This equals your CHC Healthcare Plan's Monthly Price and your price every two weeks.

Total Benefits equals the total of your Medical Services Benefits, Prescription Medication Benefit, Discounts & Subsidies and the CHSA CHC Matching amount.

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TOTAL Benefits

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Explanations:  The first row shows the typical cost for ACA Healthcare insurance using your Family Profile you entered in Step 1.   Row two shows your CHC Healthcare Plan's cost.   For the ACA, the Out-of-Pocket Cost is the ACA Plan's deductible and co-insurance cost.  For the CHC Plan there is only a Co-Pay Max.  CHC has no deductible or co-insurance cost.
The "All-In-Cost" is the total of the Annual Cost plus the Out-of-Pocket Cost.  This is the really important number when comparing both plans.

Future Comparison:  Enter a month in the "Month" field and see the All-In Savings at that month.

ACA Plan

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CHC Plan

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Your Savings

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If you want to send your Quote to us, you'll need to answer these questions.  Then, Click the "Send Us Your Plan" HUG.
If you want to contact CHC or have us contact you, Click the "Contact CHC" HUG.

Thanks for your participation and continued interest!
Have a Great Day.

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