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Direct Access Healthcare

 

Because good healthcare shouldn’t cost that much

Plan Details

What is Direct Access Healthcare?

It is a way for members to keep their money in their pocket and shop for healthcare for less money than using insurance.


How does Direct Access Healthcare work?

Let our team show you where and how to buy healthcare products and services direct for less. Members have access to a personal healthcare shopper, buying group discounts, cost containment services, prescription drug review and open enrollment for insurance year-round.


What about a large medical expense I can’t afford?

Most members enroll in a Health Sharing Plan. This unique support program is not insurance and does not incur the uninsured tax penalty. There are 3 sharing options that require you to be a non-smoking Christian to apply.


 

BRONZE

SILVER

GOLD

$5,000 personal responsibility per incident

$1,000 personal responsibility per incident

$500 personal responsibility per incident

• Assistance up to $225,000 per illness

• Inpatient or outpatient hospital incidents and surgery only

• No prescription drug benefits

• Limited maternity benefits

• Assistance up to $225,000 per illness

• Inpatient or outpatient hospital incidents and surgery only

• No prescription drug benefits

• Limited maternity benefits

• Unlimited assistance per illness

• Inpatient or outpatient hospital incidents and surgery

• Medical testing, maternity, therapy, and home healthcare

• Prescription drugs and doctor’s office visits

Average monthly cost

• $107 single

• $160 single + spouse or child(ren)

$214 family

Average monthly cost

• $147 single

• $240 single + spouse or child(ren)

$334 family

Average monthly cost

• $212 single

• $370 single + spouse or child(ren)

$529 family

  • Average price based on 3 Billings, $50 Employer Services Direct Access Healthcare 1st of month, CHM base premium billed 7th of month, Brother's Keeper billed quarterly on the 20th ($40 annual fee plus $25 single, $50 single +1 and $75 family). Details of billing emailed upon enrollment.
  •  For details on the Health Sharing Plan see “CHM Guidelines” below. Read section “Z” for pre-existing conditions as most are not shared.

Accidental Expense Rider

Up to $5,000 benefit after $250 deductible for covered accidental medical expenses. Works great with the $5,000 Bronze Plan.

Monthly Cost: $19 single, $27.50 family

 

How It Works

CHM Guidelines

CHM Programs


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TAKE THE FIRST STEP TOWARD TAKING CONTROL OF YOUR HEALTHCARE SPENDING.

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Direct Access, where truly affordable healthcare begins.