Frequently Asked Questions
For Medical Providers
First, please read “For Medical Providers” 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
Two Main Reasons
✓ To Increase Your Income”: Most Medical Providers only have one source of income. A single “Transaction” payment for a medical service. No more income until your Patient returns for another medical service.
Instead waiting to receive a single Transaction Payment, how about an Annuity Payment that you receive even when you don’t see Patients?
✓ To Provide All Your Patients with an Affordable Healthcare Plan: Reports show fewer people have health insurance because of the cost. You see them every day. That’s why you offer a “Pay on Day of Service” discount.
Instead of giving a discount, CHC is your opportunity to have a new, On-going Income Source!
Your Options to Increase Your Income
✓ Increase prices: Most people think healthcare is already costs too expensive. This may result in losing patients.
✓ Get more reimbursements from insurance and federal or state aid programs: This will not likely happen.
✓ Work more billable hours: Yes, but do you want to?
✓ Receive Income from related products and services: Some have opened surgical centers and dispense medications. CHC is in this Category!
CHC provides you with a new source of income
Annuity Subsidy: You receive an Annuity Subsidy when your Practice offers the CHC Healthcare Plan to your Patients. Your Annuity Subsidy is paid to you even when you perform no Medical Services.
Following is an existing business model to support our program and proposal for you:
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.
The same can be said for Medical Providers. Provide additional services to help your Patients and receive additional, non-medical income for offering the CHC Healthcare Plan to your Patients.
All your Patients need affordable healthcare. You are a trusted advisor, and your location is excellent to offer your Patients an affordable CHC Healthcare Plan.
Contact us for details and a proposal.
Any Medical Provider: Primary Care Physicians, Specialists, Holistic, Chiropractors, Dentists, Ophthalmologist / Optometrist, Audiologists, Urgent Cares, Hospitals, etc.
Yes! Legally you are OK. You do not need an insurance license to receive the Financial Subsidy.
We are reimbursing you for the cost of offering CHC to our CHC Members. We’ll describe your Financial Subsidy in more detail in your proposal.
Contact us for details and a Financial Subsidy proposal.
Introduction: First, we’re going to use some financial terms. Then give you some examples and show you how it all relates to your Practice and to your CHC Subsidy Proposal.
Transactional Income is when a business receives payment when they sell a product or a service. With Transactional Income the business gets paid once per transaction. For example, a real estate broker’s commission is a form or Transactional Income. Performing and billing for a Medical Service is a Transactional Income.
For purposes of your Proposal, we’ll call this your “Transactional Subsidy”.
Annuity Income is when a business receives on-going income from a sale, usually without doing any additional activities. A monthly Membership Fee is a form of Annuity Income. Medical Providers have no Annuity Income.
For purposes of your Proposal, we’ll call this your “Annuity Subsidy”.
You Subsidy Proposal has Two Options
The Reason for Your Subsidy: Your Subsidy is being paid to reimburse you for your costs associated with offering CHC to your Patients.
You receive a Subsidy for each Patient you sponsor and who joins CHC. The amount of your Subsidy is based on the type of services you perform.
✓ Option 1 – Transactional Subsidy: Simply introduce CHC to your Patients. 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 Patient with a no cost CHC Healthcare Affordability Review.
CHC will pay you a $100 Subsidy for each person or family that you assist to purchase a CHC Healthcare Plan.
✓ Option 2 – Annuity Subsidy: With this Option, a staff person counsels your Patient, 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 Practice 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 Patient Members 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 your Practice to all your Patients and other persons you serve.
To Any Staff Member: Your employees, part-timers, 1099s, volunteers and other affiliates (your “Staff). There are no restrictions.
To All Your Patients: Many cannot afford the cost of healthcare. Consider those Patients that you see without insurance. Other Patients may have an employer Group plan. CHC could cut their monthly and Out-of-Pocket cost by 50% or more.
To Other People and Companies: Consider the persons and companies that regularly interact with you and your Practice. They all need an affordable healthcare plan.
Help them all get an affordable healthcare plan and receive a Subsidy for your assistance.
There are two options depending on your level of involvement.
Staffing: First, you should have a staff person trained to perform either service. An alternative is to have CHC provide the on-site staff person. We can discuss in the Subsidy Proposal.
✓ Option 1 – Basic Introduction: Simply introduce CHC. For those Patients who have a health insurance plan, ask them if they would like to have a “free”, no obligation review of their current plan.
For those 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 each person you refer to us.
✓ Option 2 – Counseling Service: Help your Patient choose the CHC Healthcare Plan’s Coverages and Benefits that meets their needs and budget. Use the CHC Quote form to price the CHC Healthcare Plan. Obtain approval from your Patient to join the CHC and purchase a CHC Healthcare Plan. Prepare an order form and send to CHC for processing.
No. Your Staff and Patients can “Opt-In” or “Opt-Out” at any time.
Yes! Let your Staff individually decide which healthcare plan they want to have.
Messaging: Tell your Patients you are concerned about their financial health as well as their physical health. Continue with the cost of healthcare and insurance. Tell them there is no cost or obligation to receive a healthcare insurance affordability check. We’ll provide training on how to interact with your Patients.
Marketing Materials: All marketing materials are approved by you before use. The marketing material states that you entered into a relationship with CHC to help lower their healthcare costs.
Ask us for samples of the marketing material we have successfully used with other Medical Providers.
HIPAA Doesn’t Apply: You will not divulge any HIPAA related information to us.
We only use medical information disclosed to us by the Patient to the Staff Person in order to provide them with a Quote.
In addition, each person approves the use of their medical information.
✓ 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!
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 Organization: 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.