As an independent insurance agency that specializes in providing clients with the best value for their health care coverage, we are always on the look out for NEW and INNOVATIVE products that will provide value to our clients.

We are working with a COOPERATIVE that has enhanced their products to include hospitalization with the option to purchase a $5,000,000 annual stop loss benefit.  You can click HERE to visit our website.

Making Healthcare Affordable Again!

What is a COOPERATIVE?      Patient and Physician cooperatives are not new.  They have been around for years and are a valid form of healthcare financing.   A coop is a group of physicians and medical providers that form a group for the purpose of providing healthcare coverage to its members. Patients join the coop and receive traditional medical care by the coop providers.   In many coops, the organization purchases an insurance policy for its members to help with procedures not provided by the coop providers, such as Hospitalization, Surgical procedures, Prescription drugs, etc.

Advantages of joining a coop

  • Cost –   In most cases, the cost of joining the coop is far less than traditional medical insurance.
  • Out of Pocket Cost –  Cost for medical care is significantly reduced when using a coop provider
  • Local –  The coop providers are local and work in same community as the members therefore, can work and refer to other coop provider for necessary treatments

What good is healthcare coverage, if you cannot afford to access care?

After spending hours on the phone and internet discovering that the market does not provide many options to you, you purchase an individual insurance plan with a $7,350 deductible.  You spend A LOT of money each month and when you need to access care, you realize that the plan you are spending all this money on, has a large deductible and you cannot afford to go to the doctor or pick up a prescription.   Sound familiar?

This has become a common and unfortunate consequence of the Affordable Care Act (ACA).   Out of Pocket cost increase while premiums for traditional health insurance sky rocket.

What is the cost?

For $109 / per month, you can join our COOP for unlimited doctor visits, labs and imaging.    You can add a limited hospitalization benefit less than $80 per month.  This represents a tremendous value.   So, even if you have a comprehensive / High Deductible plan with your employer or individually, you can become a member of the COOP to receive benefits.     Call Crystal Calaway, Frank Silva or Stevan Delossantos at 800-362-2809 to discuss your options to MAKE HEALTHCARE AFFORDABLE AGAIN!