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 Participants2323
Monthly Rates $444 EE $844 ES $932 EC $1,491 Family$191 EE $400 ES $295 EC $732 Family
NetworkAnthem BCBSAll 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 MaximumUnlimited (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 20-2526272829303132333435363738394041424344

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
Age4546474849505152535455565758596061626364

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 47Spouse 44First 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

  •  Lifetime Policy Maximum $5 Million

  •  Three Calendar year Maximums: $250K, $500K, $1 Million

  •  Multiple Benefit Levels to Choose from: Value, Preferred, Premier

  •  Unique Zero Deductible, Copay, Coinsurance on all Outpatient Benefits

  •  Guaranteed Renewal to Age 65 

  •  Flexible Hospital Inpatient Deductibles to match budget: $0 – $10K 

  •  Annual Premium Increases 3% or less last 6 years

  •  Available for Individuals and Groups

Preferred Plan Features

  •  Outpatient Deductible – $0  
  •  Inpatient Deductible – $3K (hospital stay 24hr minimum)
  •  Benefits designed to match medical procedure costs 
  •  Stable Rates – 3% annual increase 
  •  Guaranteed renewal to age 65
  •  Lifetime Maximum $5 Million
  •  For Individuals & Groups  

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

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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

MightyWELL Partners

PHCS Extended Network for Additional Savings

Unlimited Service by Web and Phone 24/7

Patient Advocate and Bill Negotiation

Save on Medications, Wellness Adherence Support