How does this work?

It’s really very simple and straightforward. We manage healthcare the same way any other
business is ran. Your medical treatment, services and or diagnostics is a product. We handle
it just like any other business sells their goods or services. When possible, we pay for the
medical “product” at the time of service. That gets us the lowest pricing on medical treatment.
The doctor or lab generally has two different pricing structures. They have what they charge
health insurance and they have the individual, uninsured, cash patient price. The uninsured,
cash patient pricing is usually 25-50% lower than what they charge a health insurance
company. You go in for a doctor’s appointment and when leaving, either you pay for the
appointment in full or you call us and we’ll pay them right over the phone in full for the
appointment. Either way, they are getting paid today, at the time of service. That’s about 4 to
5 month’s sooner than if they were to use a billing company and send the bill off to a health
insurance company and wait 4 or 5 months to get paid. That’s why the substantial discount.
It’s very important to update the office where you are attending for your appointment that you
do NOT have health insurance. You simply inform them, you are a cash pay, self-pay patient.
You do not even need to give them or show them your membership card. In fact, we

recommend that you do not show them your membership card, because this will only confuse
them and reduce your discounted percentage. If they think there is another entity that they will
have to negotiate with or send bills to, they will treat you and us just like health insurance. It is
best to leave us out of the pricing process. It is between you and the provider. Again, they are
getting paid right then and there either by you or us, if needed, you can call us and we’ll pay
them on your behalf, right over the phone. Our agreement is with you, our member, not the
medical provider. You simply handle your own medical affairs just like it is any other business
transaction and yours alone. You ask, “What are your terms for getting the lowest and best
pricing?” Then once you’ve obtained the price and the terms on how to pay, if you need help
paying, then you simply call us.