Medical Cost Sharing

Quick Guidelines Overview

Three Simple Responsibility Options:

$1,000 IUA $2,500 IUA $5,000 IUA

The Initial Unshareable Amount

( IUA) is the personal responsibility of the member for their medical needs. All quali ied medical expenses after

the IUA is met are shareable with the Medical Cost Sharing community. The higher IUA you choose, the lower your monthly contribution

Maximum Number of IUA’s

Annually - 3 per membership unit. Medical Supplies - Medical supplies directly aid in the treatment or recovery of a shareable medical need and

generally shareable within 120 days of the treatment start date as prescribed by a licensed medical provider. Supplies costs need to be over $100 to be shared. The Medical Cost Sharing Community in the retail or fair costs when applicable and

encourage members to utilize alternative vendors such as local pharmacy or medical supply

stores.

Prescription Drugs -

Prescriptions for medication(s)

that are bi l led by a provider and

are related to a qualified Need

are also considered shareable.

With your Medical Cost Sharing

providers approval , large prescription costs associated with a Need that are filled at the pharmacy can be shared. Does not include maintenance medications.

Pre-Existing Conditions -

24-month look-back: no sharing

for pre-x year 1, up to $25K sharing year 2, up to $50K sharing year 3, up to $125K year 4+. (Exceptions for High Blood Pressure, High Cholesterol & Diabetes).

Maternity Benefits - As with any other medical need, expectant mothers pay a single IUA for all expenses related to their maternity need. Shareable expenses may be related to miscarriage, prenatal care,

postnatal care, and delivery. STD screenings prescribed by a licensed practitioner as part of routine prenatal care are shareable as part of the maternity need.

Therapies - Physical Therapy -

Shareable for inpatient treatment/up to 35 outpatient sessions per need. Speech Therapy - Shareable in relation to an illness, injury or

accident/up to 35 outpatient visits per condition. Occupational Therapy - Shareable for inpatient treatment and up to 35 outpatient sessions per need, up to $7,500. Therapeutic Massage Therapy - Shareable if prescribed by a licensed medical provider related to a shared need, up to 25 sessions and up to $3,000.

Alternative Care Treatment -

Alternative medical treatments can be shared with the Medical Cost Sharing community. These

alternatives generally should be considered safe and effective

while being an alternative to a

traditional treatment plan.

Needs may be considered shareable pending prior written approval by your Medical Cost Sharing provider. Member is required to demonstrate the proposed value of the alternative

treatment.

End of Life Assistance - For a

Member, and/or his or her dependents, who die(s) after two

years of uninterrupted Membership as a Sharing Member, financial assistance to the surviving family will be provided by the Members according to the following schedule, upon receipt of a copy of death certificate, and as listed on the Member enrollment.

$10,000 Primary Member,

$10,000 Dependent Spouse,

$2,500 Dependent Child.

Tobacco Use - Medical needs for

tobacco users age 50 and older are limited to $50,000 for each of the following four disease categories: Cancer, Heart conditions, COPD and Stroke.

Sharing Limits - No annual or

lifetime limits unless restricted

by a pre-existing condition.

SECURE Membership

DESIGNED TO COMPLY WITH 63 AFFORDABLE CARE ACT MINIMAL ESSENTIAL

PREVENTIVE SERVICES & PROVIDE ACCESS TO

HAVING A HEALTH SAVINGS ACCOUNT

MEDICAL COST SHARING

An organized way to share in one another's medical burden

Medical Cost Sharing consists of a large community of health-conscious individuals. Who Voluntarily contribute a monthly share amount towards each other’s healthcare expenses.

Everyone Accepted: We do not decline anyone for prior medical conditions or religious beliefs.
Shared Medical Costs: We share each others medical costs as a community of like minded individuals.
Healthy Living: We process medical needs quickly for our members, within weeks not months.
Gain Freedom: Our members can work with any provider without network restrictions.
No Annual Caps: Our sharing program does not have annual or lifetime caps on your need
Worldwide: Share in a medical costs when on a vacation or serving a mission outside the
USA.

Three Simple Responsibility Options:

The Initial Unshareable Amount(IUA) is the personal responsibility of the member for their medical needs. All qualified medical expenses after the IUA is met are shareable with the Medical Cost Sharing community. The higher IUA youchoose, the lower your monthly contribution.

$1,000 IUA

$2,500 IUA

$5,000 IUA

Click bellow to find out more

Key Features

• Low monthly amount and total financial

exposure.

• Sharing is Need based not an annual deductible.

• Initial Unshareable Amounts ($1,000,

$2,500, $5,000).

• Member responsibility includes being health focused.

• Two year lookback for pre-existing

conditions.

TELEHEALTH

As Easy as Texting a Friend

Members may access our multi-specialty, licensed physicians (not a bot) on their own time, whenever and wherever. Through a convenient web and mobile experience, members are free to text directly with our providers to get the answers they need, including access to additional support.

Virtual Care Built to be an Experience, Not an Encounter Enable seamless, virtual connections with our dedicated team of board-certified physicians and specialists that goes beyond traditional urgent, emergent, and primary care to deliver robust and integrated care. The solution will be accessible via secure text (with image share, phone, and video available) 24/7 and 365 days per year in all 50 states.

Integrated Behavioral Health

Integrated behavioral model using a team of multi-specialty clinicians to assess, diagnosis, treat, or coordinate a referral. Using evidence-based best practices to implement measurement-guided care plans for both medication management and evidence-based therapy for the now issues.

Reshaping Virtual Behavioral Health

Integrating a multispecialty care team of primary care specialists, therapy, and psychiatry.
Providing on-going access to care or relapse concerns.
Psychosocial and medication interventions.
Customized clinical playbook with navigation for in-network referrals.

NAVIGATION HELP

MPB Concierge Team

A team of dedicated agents that will help members navigate the healthcare system and receive the best care possible.

The Concierge is focused on supporting and guiding you every step of the way through your healthcare journey.

Concierge Pharmacy Benefit Program

HIPAA Compliant International & multi-platform support. Our program searches six U.S. platforms, the World Drug Market and Pharmacy Assistance programs for the best solution for each of our members.

The Pharmacy Benefit Program gives you the real prices (aka we skip the “markups and fees” part) on your prescriptions and tells you the pharmacy where you can get them.

Enter your prescription information into our search engine and we will give you a list of your local pharmacies and the cost of your prescription at each location.
Look through your list of options and decide which is the best pharmacy for you.
Keep a full history of your prescriptions, so you can see what medication you have taken, and when.
Access to any and all Manufacturer Savings Programs, Patient Assistance Programs and other savings and discounts offered by pharmaceutical manufacturers.
For more expensive medications we have resources who can get medications overseas to our members at a better cost. They help with high cost maintenance meds like insulin, medicated creams, and asthma inhalers.

LIFECARE EAP/MAP

This program provides members with a way to find help for dealing with personal and work-related issues. Without this help, these issues could decrease members’ quality of life, interfere with job performance, reduce profits and decrease the organization’s productivity.

Grief & Loss
Parenting Support
Teen Counseling
Codependency Therapy

Services Include

Counseling: Live interactive, HIPAA compliant, virtual, face to face, telephonic.
Personal Navigation: In all areas of work/life convenience (child/eldercare, housing assistance, local community-based resources, etc.)
Elder Care and Financial: Telephonic consulting, tailored eldercare counseling & resources, plus financial wellness counseling provided by experts in their field.
Online Training Library: Thousands of virtual work/life trainings & ability to track progress
Access to COMPASS: Advanced HR support & assistance in professional development

ADDITIONAL BENEFITS

HEALTH SAVINGS ACCOUNT COMPATIBLE

A tax-advantaged medical savings account

Available to taxpayers in the United States who are enrolled in MPB Secure that can be used to pay for medical expenses with before tax dollars.

• MHSA funds stay with you when you change jobs or retire, you own the account.

• Money you do not use in your HSA rolls over from year-to-year and earns interest tax-free.

• Saving for retirement! After age 65, HSA funds can be used for any purpose without penalty.

• Options for self-directed investments that can potentially grow your savings for healthcare or retirement.

PERSONAL MEDICAL RECORDS VAULT

Secure & Accessible emergency Profile & Personal Health Records

Members can grant access to their Electronic Medical Records to practitioners, providers, facilities, etc. providing continuity of care. Health Tracking provides family members and caregivers the ability to record vital health observations easily and privately.

QR LIFECODE

The Personal Medical Record Vault provides members with secure emergency personal medical profiles & five digit LifeCode IDs. Members can access and safely share their medical records, track health conditions, and get better healthcare solutions

WHOLE HEALTH LIVING

Access to more than 35,000 providers, discounts & more than 35 complementary & alternative medicine specialties

Web portal allows members to print their discount coupons directly without having to wait for an authorization or benefit approval.

Discounts may include:

• Mind & Body : Acupuncture, Chiropractic, massage therapy, natural healing, physical & occupational therapy and relaxation

• Movement: Accessories & equipment, personal training, pilates, tai chi & Qi Gong & yoga

• Nutrition : diet & nutrition, food, vitamins & prescriptions, & weight management

• Lifestyle: Dental, hearing & vision, gifts & special occasions, relaxation & others

Quick Guidelines Overview

Three Simple Responsibility Options:

$1,000 IUA $2,500 IUA $5,000 IUA

MEDICAL COST SHARING

An organized way to share in one another's medical burden

Click bellow to find out more

Key Features

TELEHEALTH

As Easy as Texting a Friend

Integrated Behavioral Health

Reshaping Virtual Behavioral Health

NAVIGATION HELP

MPB Concierge Team

Concierge Pharmacy Benefit Program

LIFECARE EAP/MAP

Services Include

ADDITIONAL BENEFITS

HEALTH SAVINGS ACCOUNT COMPATIBLE

A tax-advantaged medical savings account

PERSONAL MEDICAL RECORDS VAULT

Secure & Accessible emergency Profile & Personal Health Records

QR LIFECODE

WHOLE HEALTH LIVING

Access to more than 35,000 providers, discounts & more than 35 complementary & alternative medicine specialties

This program is NOT health insurance. The sharing community is managed by Zion Health,
a Utah Medical Cost Sharing Benevolence Organization.

Working...

Quick Guidelines Overview

Three Simple Responsibility Options:

$1,000 IUA $2,500 IUA $5,000 IUA

MEDICAL COST SHARING

An organized way to share in one another's medical burden

Click bellow to find out more

Key Features

TELEHEALTH

As Easy as Texting a Friend

Integrated Behavioral Health

Reshaping Virtual Behavioral Health

NAVIGATION HELP

MPB Concierge Team

Concierge Pharmacy Benefit Program

LIFECARE EAP/MAP

Services Include

ADDITIONAL BENEFITS

HEALTH SAVINGS ACCOUNT COMPATIBLE

A tax-advantaged medical savings account

PERSONAL MEDICAL RECORDS VAULT

Secure & Accessible emergency Profile & Personal Health Records

QR LIFECODE

WHOLE HEALTH LIVING

Access to more than 35,000 providers, discounts & more than 35 complementary & alternative medicine specialties

This program is NOT health insurance. The sharing community is managed by Zion Health, a Utah Medical Cost Sharing Benevolence Organization.

Working...

This program is NOT health insurance. The sharing community is managed by Zion Health,
a Utah Medical Cost Sharing Benevolence Organization.