Insurance for What it was Meant to Do
Optimizing your personal healthcare solution invites you to think differently. Instead of a single, all-encompassing solution through a single insurance carrier, HIPnation enables you to shift control of your healthcare to you and your doctor.
To do this, HIPnation provides concierge-style access and care to manage your health. You’re able to develop a relationship with your doctor and understand your options so that you and your doctor decide what is right for you.
THEN you use insurance to manage the risks in life. While you take precautions to prevent or control illness, like a flu shot or maintenance medication, you need insurance to protect you against life’s unlikely or unexpected events. When these events occur, insurance gives you the financial security to deal with them. The suggested health insurance products do exactly this.
(HIPnation-PrimaryCarePlusSM is not insurance.)
Check out this video about what health insurance should be for, then contact us so we can find the protection product that is right for you.
(not included in a HIPnation membership)
Indemnity insurance is an agreement between a patient and an indemnity company. (Traditional insurance, on the other hand, is an agreement between a patient and the doctor or facility.) Indemnity insurance typically allows a person to visit any doctor or hospital. The indemnity insurance company has agreed with a patient ahead of time to pay a portion of doctor and hospital charges. Indemnity policies are used to help offset healthcare costs. For example, when you use an indemnity product there is no copay or deductible. You simply pay the actual cost of the product or service, submit a claim to the indemnity company, and they send you a check.
One indemnity product often chosen by our members is a product provided by New Era. New Era indemnity plan benefits can be tailored to meet your desired level of protection. New Era plans, however, are medically underwritten, which simply means that some pre-existing medical conditions will exclude certain people from having a New Era plan. For those who are excluded from using an indemnity plan you should consider other indemnity plans or traditional insurance, such as that offered on the individual market exchange.
If you would like to learn more about how HIPnation membership works with an indemnity plan, please call 888.676.6007.
Health Care Sharing Ministries
(not included in your HIPnation membership)
A health care sharing organization facilitates sharing of health care costs among individual members who have common ethical or religious beliefs. Such organizations are not insurance companies and do not make guarantees regarding payment. There are a number of such organizations to choose from including Samaritan Ministries, Medi-Share, Christian Healthcare Ministries, Liberty Share, and Sedera Health.
HIPnation members receive great primary care and significantly reduced cash rates for outpatient care. The health care sharing organizations can be used to help protect against expensive outpatient and inpatient care costs. Since most of healthcare can be managed in primary care and is no longer under the constraints of insurance, the cost of these protection products decreases significantly as well.
If you would like to learn more about how HIPnation membership works with a health care sharing ministry option, please call 888.676.6007.
(not included in your HIPnation membership)
Traditional insurance is what most people think about when talking about health insurance. Traditional insurance is an agreement between a patient and the doctor or facility. In many traditional insurance settings, primary care doctors are overwhelmed with large numbers of patients and the bureaucracy of the insurance system. Doctors in an insurance-based system often have to spend many hours dealing with the insurance system rather than caring for their patients. We believe that there is a better way. However, if an individual is unable to get an indemnity product because of a pre-existing condition or is not accepted to participate in a medical sharing organization, traditional insurance purchased individually or on an individual exchange should be considered.
If you would like to learn more about how HIPnation membership works with traditional insurance, please call 888.676.6007.
(a government-based payment system that is separate from your HIPnation membership)
Medicare is the federal health insurance program for people who are 65 or older and certain people with disabilities. Some of our older members and those with certain disabilities will pair HIPnation membership with Medicare. In such cases, Medicare is used as catastrophic protection for members while such members enjoy the benefits of a close relationship with their HIPnation Primary Care Physician. This personal engagement with your doctor decreases the risk of hospital readmissions and minimizes other potential complications.
Unfortunately, government-based systems can be complicated, so we recommend to those who are interested in this approach speak with brokers who can help them. If you would like to learn more about how HIPnation membership works with Medicare, please call 888.676.6007. Our representative will direct you to a broker with Medicare experience.