Cost
For Each Share Plan
Program
NOTICE
Emerg-e-share is a non-indemnity
mutual sharing program, and should not be used as one's sole
means of
risk mitigation.
06/02/2007 / ©2006 YHIDC / 850-266-7827 / P.O. Box 34127, Pensacola, FL 32507
Share Plans
Annual
Pricing and Benefits
|
Annual Share Plan Categories All Annual Share Plans Include Preventive Care ($100), Prescriptions ($200), Emergency Housing ($200), and Emergency Transportation ($100) |
7/14*
Founding Members 1st 700 Annual Members |
Regular Share Cost for Annual Members with No.701 and up |
| Life-Time Membership Fee | $144 | $144 |
| Medical Sharing (Up to $49,000 / year if Medical only) |
INCLUDED | INCLUDED |
| Dental/Optical (Up to $10,000 / year) |
INCLUDED | INCLUDED |
| Chiropractic/Counseling (Up to $10,000 / year.) |
INCLUDED | INCLUDED |
| Disability/Loss of Income (Up to $12,000 / year) |
INCLUDED | INCLUDED |
| Natural Disaster Relief (Up to $12,000 / year) |
INCLUDED | INCLUDED |
| Total Annual
Recurring Payment |
$ 1,152.48 | $ 4,802.40 |
| Maximum Yearly Benefit | $ 49,000 | $ 49,000 |
Monthly*** or
Flex-Share
Pricing and Benefits
| Share Plan Category | Monthly | Flex-Share |
| Life-Time Membership Fee (one time only) |
$144 | $144 |
| Medical Sharing | INCLUDED |
For each $1 that a member shares (pays) each year they can then request up to $10 when they have a need in any Share Plan Category. EXAMPLE: |
| Dental/Optical | INCLUDED | |
| Chiropractic/Counseling | EXCLUDED | |
| Disability/Loss of Income | EXCLUDED | |
| Natural Disaster Relief | EXCLUDED | |
| Maximum Yearly Benefit | $ 24,000 | |
| Maximum Per Month Cost | $ 98 | Determined by Member |
|
Share Plan Category Item |
Monthly |
Flex-Share |
| Emergency Transportation** | $ 100.00 per year | see Pro-rating Normal Limits |
| Preventive Care**** | $ 100.00 per year | see Pro-rating Normal Limits |
| $200 /yr. Emergency Housing** | $ 200.00 per year | see Pro-rating Normal Limits |
| $200 /yr. Prescriptions | $ 200.00 per year | see Pro-rating Normal Limits |
| Hospital Costs | Up to $24,000 per year if no request for any other Share Plan Item in a given year. | Up to $49,000 per year if no request for any other Share Plan Item in a given year. |
| Emergency Room Costs | Up to $ 2,500 per year | Up to $ 5,000 per year |
| Surgery (except those excluded) | Up to $24,000 per year if no request for any other Share Plan Item in a given year. | Up to $49,000 per year if no request for any other Share Plan Item in a given year. |
| Counseling (Master’s Level, LPC or NCC) / Chiropractors (DC) | $ 0 | Up to $10,000 per year |
| Licensed Physicians (MD, DO) office visits and tests/procedures ordered by the same (except those excluded) | Up to $24,000 per year if no request for any other Share Plan Item in a given year. | Up to $49,000 per year if no request for any other Share Plan Item in a given year. |
| Dentist/Oral Surgeons/Opticians (except as excluded) | Up to $5,000 per year, | Up to $10,000 per year, |
| Medical Deductible/Co-payment Relief | up to $5,000 per year or the Deductible/Co-payment amount whichever is less except as limited herein | up to $10,000 per year or the Deductible/Co-payment amount whichever is less except as limited herein |
| Natural Disaster Relief | $ 0 | up to $12,000 per year or Homeowners Insurance deductible amount whichever is less. (if Member is not a homeowner, the limit is $7,000 per year) |
| Disability / Loss of Income (except as excluded) | $ 0 | up to $ 12,000 per year for financial assistance due to Job loss*****, lay-off or disability due to injury |
* The 7/14 stands for the first "700 or 1,400" members. The 7/14 Plan has a maximum annual request amount of $49,000 inclusive of all limits on all INCLUDED Plans. (i.e. for the annual payment level, even though the sum of all the limits of all included plans may equal $93,000 the maximum amount under the 7/14 Plan is $49,000 in any given year; however if a request is paid for the limit of specific Share Plan Item, like "Dentist" which is $10,000, then that becomes the limit for that Specific Share Plan Item and would reduce the balance of total for sharing to $39,000 for the total 7/14 sharing plan for that year).
** NOTE : Emergency Transportation and Emergency Housing can be stand-alone. If it is a part of Natural Disaster Relief, and once the limit has been met for these two items the total reimbursement for Natural Disaster Relief will be reduced by $300.
*** Monthly share amounts can be set by the Member using the Flex-Share Option. Monthly payments can only be made by Debit or Credit Card or by Coupon book. If you are concerned that you may not be able to make all monthly payments that you set for yourself, you should choose the Flex-Share Option or your request amount may be pro-rated due to you being delinquent in making a payment. You can never be delinquent if you choose the Flex-Share Option because you pay in any manner that you wish, and your sharing limit is set by the sum of total payments that is received in your anniversary year at the time that you make a request on a 1 to 10 ratio.
**** Preventive Care is care which an individual normally receives on an annual, semi-annual or recurring scheduled basis. This includes items such as Cholesterol test, Mammograms, Annual OB/GYN exams, annual eye exams, cleaning teeth, filling cavities, blood pressure screenings, annual physicals and other like-type normally recurring procedures.
Excluded Items/Treatments/Procedures:
Non-Reconstructive Cosmetic Surgery, Cosmetic Dentistry, Sex Change Surgeries, Abortion, or Abortion inducing pharmaceuticals or treatment associated therewith, Non-medically necessary sterilization procedures (i.e. vasectomies, tying of fallopian tubes), Birth Control paraphernalia and supplies, Non-licensed alternative medicine, procedures or nutritional supplements, Treatment for sexually transmitted diseases especially HIV AIDS, Drug and alcohol abuse treatment or counseling, Self-inflicted injuries, *****Job loss due to inappropriate behavior, Request in excess of $49,000 in one year, More than 2 request in one year.
Additional Benefits of Paying Annually
as a 7/14 Founding Member
|
1. More Sharing at Lower Cost |
|
Up to a total of $49,000 per year not to exceed the posted limits of a specific Share Plan Item at 80% off the Regular Share Plan amount |
| 2. Permanent Share Amounts |
|
If you join during the Initial Enrollment Period on a Annual basis not only will you receive More Areas of Sharing ... |
Your Share Amount |
| 3. Satisfaction Guarantee |
|
If you join during the Initial Enrollment Period on a Annual basis not only will you receive More Areas of Sharing AND Permanent Share Amounts ... |
We will Pay YOU
Back |
06/02/2007 /
©2006 YHIDC / 850-266-7827 / P.O. Box 34127, Pensacola, FL
32507
NOTICE
Emerg-e-share is a non-indemnity mutual sharing program, and
should not be used as one's sole means of risk mitigation.