Welcome Christian Church
Freedom to Choose
versus
government mandates
- Coverage Honoring Your Values
- Clients are #1 Again
- Restore the Patient Doctor Relationship
- Transparent Medical Prices
Welcome Christian Church
- Coverage to Suit Your Values
- Make You the Client #1 Again
- Restore The Patient Doctor Relationship
- Show Honest Transparent Procedure Prices
Compare ACA to a MightyWELL Consumer Directed Health Plan
ACA vs MightyWELL
Current BCBS | Proposed MW | |
|---|---|---|
Plans | 23 | 23 |
Rate EE | $444 | $191 |
Family | $1,491 | $732 |
Network | BCBS | All Docs |
Copay | $25 - $45 | $0 |
Yr Prem | $224,508 | $98,976 |
| BCBS current | MightyWELL proposed | |
| Plan Participants | 23 | 23 |
| Monthly Rates | $444 EE $844 ES $932 EC $1,491 Family | $191 EE $400 ES $295 EC $732 Family |
| Network | Anthem BCBS | All Doctors + MutiPlan PHCS |
| Deductible - Outpatient | $1000 - $3,000 | $0 Outpatient |
| General Dr. Visit | $25 Copay | $120 Paid Each Visit / $0 Copay 18 per year |
| Specialist Dr. Visit | $45 Copay | $150 Paid Benefit / $0 Copay 2 per year |
| Accident Minor | $1000 Deductible | $4000 per event No Deductible |
| Deductible - Inpatient | $1,000 - $3,000 20% Co-ins | $3,000 - No Co-ins |
| Annual & Lifetime Maximum | Unlimited (usual & customary) | $500,000 $5,000,000 |
| Monthly Premium | $18,709 | $8,248 |
| Annual Premium | $224,508 | $98,976 |
Proposed Annual Savings
$125,532
Proposed Annual Premium Savings:
$125,532
Mighty
WELL Preferred Plan
Monthly Rates
| Age | 20-25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Male | $156 | $159 | $161 | $163 | $165 | $167 | $171 | $174 | $177 | $181 | $184 | $190 | $198 | $205 | $213 | $220 | $229 | $229 | $246 | $258 |
Female | $165 | $168 | $170 | $172 | $175 | $177 | $180 | $183 | $187 | $190 | $193 | $200 | $206 | $213 | $220 | $227 | $236 | $245 | $255 | $265 |
| Age | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Male | $268 | $281 | $293 | $305 | $318 | $331 | $347 | $362 | $378 | $394 | $410 | $431 | $453 | $475 | $497 | $520 | $543 | $567 | $590 | $613 |
Female | $275 | $285 | $295 | $305 | $315 | $325 | $336 | $347 | $358 | $369 | $381 | $396 | $412 | $428 | $444 | $460 | $478 | $495 | $513 | $530 |
Child Rates:
First Child $112 per month
Additional Children $74 per month
| Example Quote: | Primary Age 47 | Spouse 44 | First Child | Second Child | Third Child | Total Monthly Premium |
|---|---|---|---|---|---|---|
| Monthly Premium | $293 | $265 | $112 | $74 | $74 | $818 |
Example Rates: Preferred, Non-Tobacco use Subject to underwriting One time $50 Underwriting Fee on all Applications
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Preferred Plan Features
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Preferred Benefits Overview
Doctor Visit & Pharmacy Benefit
- Choose your Doctor from All US Licensed Physicians
- Pays $120 for 18 visits per Insured per calendar year, includes 6 chiro. visits - No Deductible or Copay
- Pays $150 for 2 Specialists visits per calendar year
- Generic Drugs $20 per day Brand Name Drugs $40 per day
Preventative Wellness Care Benefit
- Benefit starts 60 days after policy Effective Date
- Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy
- Pays Additional $250 for other Preventative Services per calendar year
Surgery Benefit
- Pays for Outpatient & Inpatient Surgeries
- Pays Outpatient surgical facility $3,500 under general anesthesia or $1,500 local anesthesia
- Pays Surgeons and Anesthesiologists based on RBRVS code (1x, 2x or 3x)
Hospital Inpatient Benefit
- Hospital per day benefit up to $4,500 for Injury and $3,000 for Sickness
- Hospital ICU benefit up to $4,500 per day for 20 days per calendar year
- Optional First Hospital Admission $6,350 Lump Sum - per calendar yr, 24 hr stay required
Accident & Emergency Benefit
- Minor Accident Pays $4,000 of Actual Expenses for up to 45 days from the Accident
- Major Accident Pays by policy schedule up to the Maximum of $500,000
- Ambulance air or ground pays up to $11K of Actual Expenses
Catastrophic Diagnosis Benefit
- Pays a Lump Sum upon diagnosis up to $40K per Adult and $10K per child
- Pays up to $250K Additional for Actual Treatment Expenses per calendar year
- Coverage for Internal Cancer, Heart Attack, Stroke, Organ Transplant, Renal Failure
Plan Benefits Overview
Mighty
WELL Preferred Plan
Doctor Visit & Pharmacy Benefit
- Pays $120 for 20 Visits per Insured per calendar year, includes 6 chiropractor visits
- Pays $150 for 2 Specialists visits per calendar year
- Pays Generic Drugs $20 per day Brand Name Drugs $40
Wellness Preventative Care Benefit
- Pays $250 For Annual Checkup
- Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy
- Pays $160 for X-Rays, Diagnostic and $80 per Labororatory
- Benefit starts 60 days after policy Effective Date
Outpatient Surgery Benefit
- Pays Outpatient Surgical Facility $3,500 under general anesthesia or $1,500 local anesthesia
- Pays Surgeons and Anesthesiologists based on CPT code (1x, 2x or 3x)
- Pays MRI, CAT Scan PET $500 per
Inpatient & Hospital Benefit
- Pays Hospital $4,500 per day for Injury and $3,000 for Sickness- General Room
- Pays Hospital ICU $4,500 per day for 20 days per calendar year
- Pays Skilled Nursing Facility $1,500 per day
Accident & Emergency Benefit
- Minior Accident Pays up to $4K of Actual Expenses for up to 45 days from the Accident
- Major Accident Pays by Schedule up to policy Maximum $500,000
- Ambulance air or ground pays up to $11K of Actual Expenses pe Accident
- Pays $300 for Urgent or Emergency Care 2 times per year Non-Accident
Catastrophic Diagnosis Benefit
- Pays a Lump Sum upon diagnosis up to $40,000 per Adult and $10,000 per Child
- Pays up to an Additional $250,000 in Actual Treatment Expenses
- Coverage for Internal Cancer, Heart Attack, Stroke, Organ Transplant & Renal Failure
