We’ve shortened and updated our
that explains the
medical cost sharing Association (individual and family) programs.
There are now
three basic product options: the Partially Self-Directed option (the featured program); the DPC—Direct Primary Care option (for those who have a Direct Primary Care doctor and want to use medical cost sharing as a back-up for large expenses); and the Provider-Directed Healthcare option for English and Spanish speakers who want to use a /24/7/365 access line to help them manage their health care costs and refer them to providers when needed. 75 to 80% of all conditions can be handled through the phone call that connects members to a medical professional; otherwise, members are referred to providers or, in rare cases, sent to the hospital. Medical cost sharing is used as a back-up for large medical expenses.
Here are short overviews of the three program options:
These programs can be purchased year-round: individuals who want a program to begin the first of the following month must enroll by the 20
th of the preceding month.
Affordable Care Act open enrollment is approaching on November 1 but interested individuals and families can enroll now or at any time during the year.
You can use a calculator on any of the above product sheet pages to determine the monthly share contributions for each program (contributions are based on size of the membership unit, ag
e of the oldest member, and smoking status).
Note: members share medical costs with a community of like-minded individuals. This is not insurance, there is no sharing of risk, and the program is not regulated by State Departments of Insurance or Consumer Affairs.
These programs can cost anywhere from 30 to 90% of the cost of insurance. Costs depend on the option selected and the other factors mentioned in the second paragraph above. Members ar
e expected to be health-focused and be active members of a community of like-minded people sharing medical costs. Accordingly, members shop for quality, low-cost providers (or receive help doing so) and thereby reduce the cost of medical services for the entire community.
Please review the revised web site and then call us at
to answer any questions or to enroll in a program. You can enroll
, but we encourage you to read the
Access Membership Guidelines
, make sure you understand the program, and to call us with any questions before you enroll.