Individuals

  • HIPnation PRIMARY CARE

    As a member, you choose your personal HIPnation Primary Care Physician.

    • You will have a relationship with your Primary Care Physician—it’s like having a doctor in the family!
    • Your doctor is accessible to you 24/7 by phone, secure message text, video
    • No copays or deductibles for your primary care
    • Your doctor provides comprehensive, quality care that keeps you healthier and makes you better
    • Without the distraction of insurance, your doctor has plenty of time to care for you
  • HIPnation SPECIALIST COMMUNITY

    As a member, you have a large community of physicians caring for you.

    • Your doctor can communicate with these specialists on your behalf—one of our Primary Care Physicians likes to say that she has over 120 specialists in her pocket!
    • Your membership also gives you specialty visits, procedures, and outpatient surgeries all at significantly reduced prices
  • HIPnation ADDITIONAL SERVICES

    As a member, you save money when you need additional services.

    • Your membership gives you access to low, pre-negotiated rates for labs and imaging
    • Your doctor and our partners will help you find the lowest price for the right prescription medications
  • PROTECTION WHEN CARE GETS EXPENSIVE

    As a member, you choose the protection that works best for you.

    • For those worrisome healthcare needs, there are products and insurance that can help you pay for needed care
    • We connect you to specialized brokers to help you find protection. That protection comes in several forms and you choose what is best for you.
  • You at the center of your healthcare

    As a member, everything we do is focused on you

    • We help you build your own healthcare plan and give you control of your healthcare dollars.
    • Care provided to HIPnation members is not dictated by insurance.

Pairing HIPnation with a Protection Product

The cost of a HIPnation membership is $100 per person per month.

We then take our high-quality, low-cost, patient-centered healthcare ecosystem and wrap it with insurance products to offset the cost of care and protect against those rare, high-cost catastrophic events that worry us all. Since most of healthcare can be managed in primary care and is no longer under the constraints of insurance, the cost of these insurance products decreases significantly as well.

The effect of this approach: reduce your total healthcare costs by as much as 50% while providing access to concierge-level primary care.

Since HIPnation is not an insurance product, we strongly recommend that our individual members consider one of the many available insurance or cost-sharing products described below.

Indemnity Insurance

(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 a 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.

Traditional Insurance

(not included in a 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.

Medicare

(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.

 

Prescription Medications

(not included in your HIPnation membership)

Many people do not understand that medication costs can often be higher in an insurance-based system than if people simply pay cash for their medications. The co-pays for medications are often more than the actual cost of a medication. Most of our members find that all of their medication costs considered together with their total healthcare spend is less than in an insurance system.

At HIPnation, our Primary Care Physicians and our partners work together to help ensure that patients use effective medications provided at the right price.

 

To learn more about how we deliver low-cost, patient-centered healthcare with insurance in its proper place, click here.