How It Works for Individuals
A Healthcare Community Focused On You
Thank you for taking a moment to learn more about HIPnation-PrimaryCarePlusSM. This is a deep dive to help you understand why we structure our healthcare delivery solution differently than the current system and how doing so benefits you.
Some important points. First, healthcare is what happens when you see your doctor, pick-up a medication or undergo a procedure. Health insurance helps you pay for healthcare and protects you against a potentially high-cost event. However, within the current insurance-based model, insurance raises the price of healthcare.
So, we have taken this broken system and transformed it into a delivery model built around you and your doctors. We remove the insurance industry’s interaction with your primary care doctor by offering membership in HIPnation-PrimaryCarePlusSM for $100 per month. Without an insurance company between you and your primary care doctor and needed specialists, we decrease the cost of healthcare and allow our doctors to focus on you.
We partner with an innovative insurance company that provides an insurance indemnity product that helps you pay for less costly care and protects you against those potential worrisome health events. It is the best of both worlds: low cost healthcare with you at its center and protection against the cost of care when more is needed.
What is HIPnation-PrimaryCarePlusSM?
HIPnation-PrimaryCarePlusSM is a healthcare solution built around a membership model – like joining a gym—for all your primary care needs. This is our foundation. HIPnation-PrimaryCarePlusSM also removes the health insurance interaction and its associated increased costs from much of outpatient care.
What makes the HIPnationSM solution special?
HIPnation-PrimaryCarePlusSM is built upon a simple belief—that healthcare should be between you and your doctor. With our innovative approach, you will receive personalized primary care with a physician who will partner with you to maximize your health and wellness. Great patient care and improved health outcomes happens when your doctor knows you well and has time to spend with you. This is what we mean when we talk about putting you at the center of healthcare. Enjoy a doctor focused exclusively on you and not distracted by the insurance industry.
What services are provided in your Primary Care Doctor’s office?
- History and Physicals
- Prevention and Wellness
- Acute Care Needs
- Minor Office Procedures
- Chronic Disease Management
- A team of wellness coaches, dieticians, and others assisting in your care
- A community of specialists surrounding your personal physician to answer more specialized medical questions
What does the “Plus” in HIPnation-PrimaryCarePlusSM mean?
To further drive down the cost of healthcare, we have contracted with additional service providers you may need at significantly reduced cash rates including:
Imaging, labs, and
Specialty office-based procedures and outpatient ambulatory surgeries
What does HIPnation-PrimaryCarePlusSM cost?
Membership is available for a low monthly fee of $100 per person. Larger families receive discounts described below.
|No. of Family Members||Subscription price|
|1 – 3||$100.00 per month per person|
|4 – 5||Additional $75.00 per month per person|
|6 +||Additional $50.00 per month per person|
HIPnation-PrimaryCarePlusSM membership is offered as part of a business association membership for members that require compliance with the ACA (“Obamacare”). There is a monthly administrative fee of $5.00 per individual or family.
It is important to note that membership in HIPnation-PrimaryCarePlusSM is for a minimum of 6-months. Membership will renew automatically monthly. Please see the Membership Agreement for more information.
Provided by New Era Health
We have partnered with New Era Health to deliver, to HIPnationSM members who qualify, an indemnity product that matches perfectly with our healthcare delivery solution. With our approach, you, as a HIPnationSM member, contract directly with New Era Health. New Era Health will not tell you how to spend your money or run up the costs of your healthcare. New Era provides a product that pays you every time you touch the healthcare system. When you visit your doctor, fill a prescription, get lab work, need something bigger like surgery, or are hospitalized, the indemnity plan pays a fixed, pre-determined amount to you to help cover a portion of the bill.
What does the indemnity product provide?
This can vary depending upon the indemnity level you purchase.
You can discuss how this works in more specific terms with our recommended brokers, but one of the most commonly purchased plans, Health Choice Select from New Era, pays you:
|Primary care reimbursements from New Era||$125 for annual wellness exams|
$80 for each additional office visit
|Specialty care consultations||$80 per office visit|
|Ambulatory surgery under general anesthesia||variable based upon surgical procedure but never less than $3,000|
|Ancillary service expenses||Lab work – $40|
Prescriptions – $30 brand, $15 generic
Advanced Imaging – $350 MRI, CT, Nuclear
X-rays, Ultrasound – $80
Mammography – $125
You have 100% access to your personal primary care physician. Great primary care generally addresses 80% or more of a person’s medical needs. When you visit your Primary Care Physician, you submit the visit to New Era Health and receive the pre-determined payment directly from New Era Health. If you do need healthcare services outside of your primary care physician’s office, since our negotiated cash rates are so much lower than those in the current insurance-based system, then the indemnity payment you receive typically covers a much larger percentage of the cost.
Indemnity insurance is underwritten and can require a health screening questionnaire. So, the cost varies. Please contact us for more details regarding the cost of the indemnity options. We will put you in touch with licensed brokers for New Era who will explain the products and provide pricing information. New Era products can be tailored to meet your desired level of protection and reimbursement.
New Era offers a Critical Illness Insurance Policy and Accident Expense Insurance Policy for those desiring additional protection. These additional policies add more robust indemnity to further protect against catastrophic financial loss resulting from unforeseen events. Again, please contact us for more details regarding the various options, and we will put you in touch with licensed brokers for New Era.
While the insurance system is built upon a one-size-fits-all model, this approach allows individuals to choose their desired level of reimbursement.
No. The indemnity insurance product pays a fixed amount. If you stay within the low-cost healthcare community of HIPnation-PrimaryCarePlusSM, then the reimbursement dollars will cover more of the cost of care, but you are free to see whomever you choose.