Volume 3, Number 3
IN THIS ISSUE...

  • CONSIDER ENROLLING IN HEALTH EXCELLENCE PLUS INSTEAD OF CHOOSING A TRADITIONAL HEALTH INSURANCE POLICY

  • WHAT’S IN A NAME: COMPLEMENTARY, ALTERNATIVE OR INTEGRATIVE HEALTH

  • WHAT IS THE FMMA?
M onthly News On Products Promoting Healthcare Cost Transparency And Healthy Living Tips
Consider enrolling in Health Excellence Plus instead of a traditional health insurance plan during Affordable Care open enrollment which runs in most states from November 1 through December 15 for a January 1 effective date. If you enroll in Health Excellence Plus by December 20, the effective date of your program will be January 1.  
CONSIDER ENROLLING IN HEALTH EXCELLENCE PLUS INSTEAD OF CHOOSING A TRADITIONAL HEALTH INSURANCE POLICY
Affordable Care Act open enrollment ends December 15 in most states, and enrollment in an ACA plan is effective January 1, 2020. If you enroll by December 20 , one of the three basic Health Excellence Plus options would be effective January 1, 2020, as well. Depending on your age and size of your membership unit, a Health Excellence Plus program can be between 30 and 90% less than enrolling in a traditional off-Marketplace insured health plan.  Health Excellence Plus focuses on keeping you healthy and avoiding medical costs in the first place, but medical cost sharing is available to help with large medical expenses. Learn more at www.controlyourhealthcarecosts.com and call us at 877-734-3884.

While traditional health insurance can only be purchased between November 1 and December 15 in most areas of the country without providing proof of a qualifying life event, there is no such requirement with Health Excellence Plus. You can enroll any time during the year. If you enroll by the 20 th of any month, the effective date of the program will be the first of the following month.
WHAT’S IN A NAME: COMPLEMENTARY, ALTERNATIVE OR INTEGRATIVE HEALTH
We’ve all seen the words “complementary,” “alternative,” and “integrative,” but what do they really mean? 

This article looks into these terms to help you understand them better and gives you a brief picture of the mission and role of the National Center for Complementary and Integrative Health (NCCIH) in this area of research. The terms “complementary,” “alternative,” and “integrative” are continually evolving, along with the field, but the descriptions of these terms below are how the National Institutes of Health currently defines them. 

Complementary Versus Alternative
According to a 2012 national survey, many Americans—more than 30 percent of adults and about 12 percent of children—use health care approaches that are not typically part of conventional medical care or that may have origins outside of usual Western practice. When describing these approaches, people often use “alternative” and “complementary” interchangeably, but the two terms refer to different concepts:  

  • If a non-mainstream practice is used together with conventional medicine, it’s considered “complementary.” 
  • If a non-mainstream practice is used in place of conventional medicine, it’s considered “alternative.” 

Most people who use non-mainstream approaches also use conventional health care. 

In additional to complementary and alternative, you may also hear the term “functional medicine.” This term sometimes refers to a concept similar to integrative health (described below), but it may also refer to an approach that more closely resembles  naturopathy  (a medical system that has evolved from a combination of traditional practices and health care approaches popular in Europe during the 19th century). 

Read the rest of the article here .
WHAT IS THE FMMA?
THE FMMA (Free Market Medical Association)
PROMOTES TRANSPARENCY IN HEALTHCARE

The free market movement in healthcare is gaining steam. This is because of providers, patients (as well as employers who self-fund their plans), who believe that changing the way we purchase healthcare services is necessary and that seeking out value- driven healthcare providers is important.

Matching a willing buyer with a willing seller of valuable healthcare services is the goal of everyone involved in this movement. The FMMA helps identify patients willing to pay cash, doctors willing to list their prices, businesses attempting to provide affordable quality insurance, and providers/services/and patient advocates that are helping make everything work.

The FMMA is dedicated to bringing together buyers and sellers of healthcare---both to reduce the cost of healthcare and to increase cost transparency (i.e. so that users of services know the cost of a service before actually using that service).

The FMMA was founded in 2014 by Jay Kempton and Dr. Keith Smith based on their mutual desire to change the face of healthcare. Their goal is to bring together buyers and sellers of healthcare goods and services, thereby reducing costs and increasing quality.

The FMMA's website contains a list of providers who provide low cost high quality services and who list their prices.
About Paul Cholak
Paul Cholak is the Principal of Control Your Healthcare Costs, LLC (dba Control Your Healthcare Costs) and is an endorsed vendor of the Free Market Medical Association, which promotes transparency in healthcare costs and programs. He's also a Partner/Supporter of the Direct Primary Care Coalition, which promotes the direct primary care provider concept.

He constantly seeks to find new and innovative products that incorporate transparency and focus on reducing costs of the total healthcare bill.

He's a National Healthcare Advisor for   M Powering Benefits , a Certified Affiliate with Sedera, Inc., and is also appointed by insurance carriers who offer insured products that promote healthcare transparency (for example Health Indemnity Insurance).

He offers or refers you to medical cost sharing and insured healthcare products on either an individual, association, or group basis, as applicable, that promote healthcare cost transparency and can result in significant overall healthcare savings to participants. He guides you through the steps of obtaining membership in the applicable program and is always available to help you both BEFORE and AFTER you've enrolled.
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