Price Transparency and Honesty are critical to the Doctor-Patient relationship and these can best be accomplished outside of the control of Health Insurance and Governmental Overreach. The majority of healthcare services happen between the patient and their Primary Care Physician and Direct Care is the most affordable vehicle that allows for more access and better care.
Learn more about Direct Care:
Medical Cost Sharing shares health care costs among its members with medical needs. Americans who use traditional health insurance see only a small portion of their premium go toward health costs. Instead of paying monthly premiums to an insurance company, members share a given amount on a monthly basis and draw from community funds as medical needs arise. Monthly shares are generally lower than typical insurance premiums and members save between 30%-50% of the costs that are typically incurred with health insurance plans
Allow us to assist if you are interested in learning more about Medical Cost Sharing as an option for your family.
Living Benefits or Accelerated Benefit Riders on traditional Life Insurance policies can benefit the insured while still alive. These Riders, on a product that most everyone has or wants, provide another layer of protection against catastrophic medical events. There are three types of Riders typically available:
This Rider gives the insured access up to 100% of the present value of the death benefit, up to 1 million dollars. Some of the common events (complete list shown below) that trigger access to this benefit are Heart Attach, Stroke, and Cancer
This Rider gives the insured access up to 100% of the present value of the death benefit, up to 1 million dollars. This Rider is accessible upon the reasonable expectation of a physician that a terminal illness of a patient will result in death within 24 months.
This Rider gives the insured access of up to 50% of the present value of the death benefit, up to 1 million dollars. The Rider is accessible when the insured is unable to perform 2 of the 6 activities of daily living (ADLs).
Allow us to assist if you are interested in learning more about Living Benefits as an option for your family.