Volume 2, Number 12
Monthly News On Products Promoting Healthcare Cost Transparency And Healthy Living Tips
IN THIS ISSUE...

  • PREVENTIVE CARE
  • TWELVE ALL-NATURAL REMEDIES FOR COLDS AND THE FLU
  • HEALTH SAVINGS ACCOUNT LIMITS INCREASE FOR 2020 AND AVAILABILITY OF THE HEALTH MATCHING ACCOUNT
This monthly newsletter contains information about medical cost sharing programs as well as health insurance plans offered through insurance companies that promote healthcare cost transparency. It provides information about tools designed to maintain or regain your health, articles on health and wellness, and information on complementary and integrative health. It also contains information on other cost-transparent products and services you can purchase or utilize to supplement either your medical cost sharing program or your insured health insurance plan.
PREVENTIVE CARE
If your selected Health Excellence Plus  MPowering Benefits Association program contains a MEC (all Association programs utilize the Access medical cost sharing guidelines and all programs except Self-Directed and, beginning January 1, 2019, Direct Primary Care, contain a MEC), your program includes an in-network (only) preventive care benefit. 

If you’re enrolled in the MPowering Benefits Group program, your program utilizes the Select medical cost sharing guidelines and contains a MEC that provides both in- and out-of-network services for preventive care—but at a cost if you use out of network providers.

Note that preventive services include preventive services only. Providers can charge for any “preventive” services that are considered and coded as diagnostic or treatment services (examples would be polyps removed as part of a colonoscopy) or charges performed during a preventive visit that are considered non-preventive (an example would be charges for an office visit if the doctor prescribes medications as part of a wellness visit).

  Note: you are less likely to experience these problems if you choose the Provider-Directed Healthcare program, which is one of the options offered to members of the MPowering Benefits Association.

While the distinction between what is considered a preventive service (paid through the MEC) an a treatment service (considered part of the individual Unshareable Amount until a Need is established for Medical Cost Sharing) is an issue for Health Excellence Plus , this distinction is also an issue for all plans and programs that include preventive care, including Affordable Care Act plans.

Please see these five steps to avoid surprise bills for preventive health care , as adherence will save you money when you go for any kind of preventive care service.
TWELVE ALL-NATURAL HOME REMEDIES FOR COLDS AND THE FLU
Are you looking for a natural or alternative treatment for your cold or  flu symptoms ?

Here are 12 tips that may help relieve your symptoms.
Learn more by reading this article published by WebMD.
HEALTH SAVINGS ACCOUNT LIMITS INCREASE FOR 2020 AND AVAILABILITY OF THE HEALTH MATCHING ACCOUNT
Contribution limits for health savings accounts have been increased for 2020. This means that Health Excellence Plus members who have chosen programs (the Partially Self-Directed program for Association members or those who are members of the MPowering Benefits Group plan) that permit the establishment of health savings accounts will be able to increase their health savings account contributions for 2020.

Annual amounts that individuals and families can contribute to health savings accounts will increase to $3,550 for individuals and $7,100 and families. Eligible Health Excellence Plus members with health savings accounts who are age 55 or over can make additional “catch up” contributions (up to $1,000 if they have established an individual account or $1,000 per member age 55 or over if they have established a family account).

ALL Health Excellence Plus members (regardless of which program they choose) can establish a patented, proprietary Health Matching Account™ (HMA) provided through Health Matching Account™ Services, Inc. to pay a large number of medical expenses (see  www.nationalprosperity.com ). The accounts can grow considerably and are particularly valuable for use in helping pay for large expenses that are either Unshareable (e.g. large dental bills) or something like a planned future health treatment or pregnancy that is subject to high Individual Unshareable Amounts (IUA) under the Medical Cost Sharing portion of the program.

Finally, federal regulations were issued on June 13 permitting use of monies in Health Reimbursement Accounts (HRA’s) to purchase certain types of non-employer individual programs and to establish what are called “excepted benefit HRA’s.” It’s unclear if either or both these modifications will apply to any classes of Health Excellence Plus members, and we’re attempting to get clarification. If any of these changes do apply, we’ll explain this in a future newsletter.

Call us at  877-734-3884  to learn details about any of the above.
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 Health, 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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pcholak@controlyourhealthcarecosts.com