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Emerg-e-Share®
...
o
For each individual, or organization, the
life-time membership is a one time fee of $144 then …
o
For each dollar you pay into the fund per
year you can withdraw up to 10 dollars when you have a
health or other
approved emergency need. You choose how much
you want to pay per month or year to meet your budget then,
multiply the total amount you put in per year by 10 and that
is your yearly Maximum.
o
Or…
-
As a
Founding Member who pays $1,152 per year you can
withdraw up to $49,000 per year
-
There are NO deductibles, NO out of pocket expenses,
NO Pre-existing Condition restrictions
-
It
is a “first dollar plan” not a discount plan – you
choose your doctor and you can withdraw up to the
maximum limit that corresponds to your deposits into
the fund for the year if it is for a legitimate
need.
o
People who have been turned down by insurance
companies as “uninsurable” due to health issues
o
People who have a pre-existing condition
which can never be covered by their health insurance for
that condition and need some help to afford health care cost
associated with the pre-existing condition.
o People who could afford traditional insurance
if they could figure out a way to fund the high-deductible
and Out-of-Pocket portion of a regular insurance contract.
o People who make
too much income to qualify
for Medicaid, but who have been classified by insurance
companies as “uninsurable”.
o Healthy individuals who just want to lower
the cost of their health-care coverage by 50% or more
o Employers
who want to give their employees
“portable” individual coverage at up to 50% of the cost of a
group plan
o Employees
who become unemployed but cannot
afford COBRA or HIPPA coverage cost and are uninsurable.
o
Emerg-e-Share® is based on 1 in 10
o
So for every dollar that a person deposits
into the fund we calculate that there will 9 other dollars
put into the fund that will not make a request in the same period.
o Emerg-e-Share® keeps 60 – 80% in reserve to
cover member requests
o This means that
if your request is legitimate
it will never be turned down.
o
Any individual who is able to pay the
life-time membership fee of $144 and will make a deposit of
any amount into the fund at least yearly
o
Companies, Churches and other organizations
that will do the same.
o
Request for funds are limited to medically
necessary procedures and needs that do not conflict with
established ethical guidelines of the membership agreement.
o
Emerg-e-Share® is not insurance and should not
be considered a replacement for traditional indemnity
insurance, it is a private, voluntary, member-funded,
supplemental or “stop-gap” plan that is not regulated by the
insurance commission.
o Depending on the number of request received
in a given month, the amount you receive may be prorated if
requests exceed funds escrowed for that month’s needs.
o To insure against abuse of the fund, each
member can make only two requests per year and must disclose
income level and proof of financial expenditure to establish
need for a request. Also, though anyone of any income level
can join the plan, an “income ceiling” guideline insures
that those who can afford care will not use the fund at the
expense of those who cannot afford care.
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