Frequently Asked Questions
For Community Mayors & Town Managers
First, please read “For Communities” 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
The Problem Needing to be Solved: Reports show that fewer people have health insurance. Many people avoid medical treatment because they can’t afford the cost of Traditional Health Insurance.
Yet, they still need basic wellness and non-routine medical services. For routine services they want to use their doctor. Others, just put-off seeing a doctor or use a hospital ER.
This is a significant, community-wide issue that is not being solved.
In each case, your Residents and Employers are all looking for a solution to their Medical Cost Issue. You can deliver the solution by teaming with CHC.
For several reasons
Your residents don’t have access to affordable health insurance or an affordable healthcare plan. For many, it has become too expensive to purchase health insurance. When they have a medical issue, they go to their doctor or the hospital ER. Payment to the Medical Provider is in doubt.
Doctors and other Medical Providers are leaving the community. Many are moving away because of funding. There is not enough money to provide the medical services.
Hospitals and clinics are closing due to less revenue, less state and federal aid and higher bad dept. Hospitals are seeing more patients without health insurance with no way to get paid. Hospital budgets are under pressure with no good solutions.
Employers are likely leaving the community and fewer are arriving because they can’t get affordable healthcare for their employees.
State and federal governments are not providing any meaningful assistance to communities. The future for Medicaid and other state and federal aid programs are in doubt. The problem is money. For many, it has become too expensive to purchase health insurance.
In each case the issue is money. The answer is “Your Community must become financially Self-Reliant”. The question is, “How”?
CHC can answer the “How”. Contact CHC and ask for a Community Subsidy proposal.
No. CHC will fund the Community Subsidy Initiative.
CHC will do it for you! Here’s How.
✓ Lower the number of uninsured Residents: We do this by making a Healthcare program more affordable.
✓ Increase the number of employers offering an affordable healthcare plan: We do this by lowering the employee’s insurance cost and eliminating the need for employers to subsidize their healthcare plan.
✓ Change the Insurance Money Path: With traditional insurance, money flows from the insured to the insurance company. Then from the insurance company to medical providers.
Get the insurance company out of the Money Path.
✓ CHC Redirects the Money Path to a “Community Healthcare Pool”. Your Residents contribute to a “Healthcare Pool“. The Pool makes monthly payments to your Community hospital to subsidize and support the hospital’s operating budget.
We’ll provide more details in your Community Subsidy Proposal.
✓ Community Hospital Support: Help CHC convince the community hospital to adopt the CHC Hospital Subsidy Program.
✓ Community Support: Get the message out via media and other community programs to all individuals, families and employers residing in your Community.
Yes! You Subsidy Proposal has Two Options
✓ Option 1 – Transactional Subsidy: Simply introduce CHC to your Residents, Employers and Staff. For those who have health insurance, ask them if they would like to have a “free”, no obligation review of their healthcare insurance plan.
For those who do not have insurance, ask them if they would be interested in having an affordable healthcare plan.
Collect some basic information and forward to CHC. We will follow-up with each Resident with a no cost CHC Healthcare Affordability Review.
CHC will pay you a $100 Subsidy for each Resident you assist to purchase a CHC Healthcare Plan.
✓ Option 2 – Annuity Subsidy: With this Option, your staff person counsels your Residents, does their Quote and takes their application to purchase their CHC Healthcare Plan. If you prefer, a CHC Staff Person will be assigned to your Community Office to perform these functions.
CHC Annuity Subsidy Example: Let’s take a typical 30 year old who has purchased a CHC Healthcare Plan. The monthly price is about $230. The monthly Annuity Subsidy would be $23.00, $276 per year.
Next, by only adding 10 new Residents per month would produce a total, initial, annual Annuity Subsidy for you of over $33,000. And this Annuity Subsidy could continue for many years.
Summary: The Annuity Subsidy has the greatest cash amount and is the longest paying. The Annuity Subsidy is much better than the one-time, Transactional Subsidy.
With either Option it will be a great Service offered by you to your Community and your staff.
Create a Healthcare Affordability Board: CHC and your Community, establish a “Healthcare Affordability Board”. The Board sets guidelines and policies. CHC manages the day-to-day functions for the Community-wide Healthcare Program.
More details will be provided in your Community Subsidy Proposal.
Yes! The Community Healthcare Cooperative simply gives your Staff, Residents and Employers another option. They can then choose which option is best for them.
Typically, Yes. Many Preexisting conditions are being successfully treated. Each Resident’s medical issues will be individually reviewed. If your Resident does not qualify for CHC, we will help them select an ACA or Group plan.
Yes! If they are a Resident or an Employer in your Community, they can join CHC and get an affordable healthcare plan.
✓ CHC Healthcare Plans are More Affordable than Group Plans: About 50% less expensive per month. Out-of-Pocket costs are about 80% or more less expensive.
✓ Each CHC Plan is Individually Designed by Each Staff Member: Not by an insurance company or the government.
✓ Each Staff Member 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.
✓ Prescription Medications are Reimbursed 100%: No Deductibles or Co-Pays.
✓ No Deductibles or Co-Insurance: Only a single, affordable Co-Pay.
✓ Each Staff Member Receives 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 your Staff Member loses their income due to a medical event, CHC will pay their CHC Healthcare Plan’s monthly price.
ACA & Group Plan Financial Subsidy – CHC will pay your Staff Member’s ACA or Group plan’s costs when they are diagnosed with a major medical illness and an ACA or Group plan is recommended.
✓ Receive the CHC Healthcare Concierge Service: Helps manage the CHC Member’s entire Healthcare Program. Reviews the CHC Member’s bills for possible billing errors. Locates medical service discounts and cost-effective Medical Providers. Answers general healthcare questions.
✓ Get a Community Healthcare Savings Account (CHSA): Each CHC Member gets a CHSA. Our CHSA is similar to a federal HSA with greater benefits. Here’s a key difference. CHC matches the CHC Member’s CHSA Contributions and pays 5% interest on their CHSA balances.
✓ Get Sponsorship Bonuses: Any CHC Member can receive $100 for each person or family they Sponsor who purchases a CHC Healthcare Plan.
✓ 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.
See other areas of the Website. Go to the “Header“. Make your selection from the “CHC Plans“.
➪ Read About “For Singles & Families”
➪ Read About “For Employers”
➪ Contact CHC: Concierge@CHChealthcare.org
To Learn More: To see other areas of the Website, Navigate using the “Header Selections”. Visit “FAQs” to get answers to many common questions.
To Contact CHC: Have questions? Want to talk about CHC? Click the Action Button “Contact CHC Concierge Services”.
To Get a Healthcare Quote Now For Yourself, Click the Acton Button “Request Your Healthcare Quote ”.
To Request a Healthcare Quote For Your Staff: Click the Action Button “Contact CHC Concierge Services“. Use the “How We can Help” drop-down to select “Request Your Group Healthcare Quote“. Include any questions or requests. Then “Submit”. We’ll be back to shortly.
To Request Your Subsidy Proposal: Click the Acton Button “Request Your Subsidy Proposal”. Like above, make your selection on the Contact CHC screen.