Healthy Care Strategy – My Healthy Benefits

Solving the Health Insurance Cost Problem for America.

With the rising costs of health insurance, Americans are looking for a cost-effective and efficient way to provide financially for the medical needs of theirs & their employees that also complies with the Affordable Care Act (ACA). Whatever the goals and motivation behind the law, the net result has been neither “Affordable” nor improved access to “Care.” Through a Healthy Care Strategy which combines a proactive wellness program – My Academy of Health Excellence, preventive health insurance – MEC: Minimum Essential Coverage (that ensures that both employers and employees comply with the Affordable Care Act), monetary benefits – HSA: Health Savings Account, mitigation tools – Teladoc, Advocacy etc, and an organized benevolence – Sedera: Medical Cost Sharing we help businesses to provide for the medical expenses of their employees.

The best way to CONTROL Your Medical COSTS is a Healthy Care STRATEGY, Not Health Insurance

The foundation of any Program designed to help CONTROL Medical COSTS should be to AVOID them, this is accomplished with a Wellness Program.

My Academy of Health Excellence Wellness offers a comprehensive health and wellness approach designed to effectively engage members, administer client level incentives and deliver improved outcomes. Our solution includes state-of-the-art tools and programs that are recognized as leaders within the industry, featuring a truly unique combination that is sure to deliver on all your health and wellness programming needs.

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Because you can’t AVOID all Medical COSTS, you’ll need to PREVENT those that you can with a MEC (Minimum Essential Coverage).

A MEC – Minimum Essential Coverage provides coverage for 64 preventive services such as Annual Physicals, Mammograms, Colonoscopies, etc. at no additional cost to you. This solution provides an alternative that satisfies the federal statute without compromising the moral and spiritual beliefs of members. To comply with the federal law, Health Excellence Plus establishes a qualifying self-insurance plan known as Minimum Essential Coverage or a MEC plan through a direct relationship with a TPA (Third Party Administrator).

Because you can’t AVOID or PREVENT all your Medical COSTS, you’ll need to MANAGE some of them with an HSA-Health Savings Account.

A tax-advantaged savings account that they can use to pay for eligible medical expenses as well as deductibles, co-insurance, prescriptions, vision expenses, dental care, alternative services and more. Unused funds that will roll over year to year. There’s no “use it or lose it” penalty. The potential to build more savings through investing. Members can choose from a variety of self-directed investment options with no minimum balance required. After age 65, funds can be withdrawn for any purpose without penalty, but may be subject to income tax if not used for IRS-qualified medical expenses.

Because you can’t AVOID, PREVENT or MANAGE all your Medical COSTS, you’ll need to MITIGATE some of them with Telemedicine, Advocacy and other No Cost Tools.

Using modern technology for non-urgent medical needs, such as a rash or fever, instead of rushing to the doctors office, urgent care or the ER saves thousands.

Because you can’t AVOID, PREVENT, MANAGE or MITIGATE all your Medical COSTS, you’ll need to CONTAIN the rest with Medical Cost Sharing.

Medical Cost Sharing is a community of like-minded, health-focused members banded together to share each other’s medical costs above an amount they can comfortably afford. Sedera Health Sharing Organization, a self-pay Patient Platform complete with member services and Health Sharing for large needs with a choice of an unshared amount. ($500 or $1000 per incident)

Participating member households are required to abide by the Sedera Membership Guidelines, as set forth in this document. Memberships are not refused on the basis of the health status of individual members, although medical conditions that existed prior to membership may be limited or excluded from sharing. No one is denied membership based on prior medical conditions. However, any needs that do not qualify according to these Guidelines as shareable needs can still be made known to other members through our Special Needs Sharing division (See Section 5.A.). In this way, members with non-shareable needs still have the opportunity to receive help from other members.

How Much Does It Cost? TheHealth Excellence – Plus solution combines everything you’ll need to become a successful ‘Free-Market Patient’ who is MPowered with health cost sharing: