Have you been searching for a Westfield healthcare alternative but you’re having trouble finding any viable choices? If so, it’s no wonder—finding healthcare options that provide complete coverage at affordable rates can be very challenging. Traditional health insurance companies charge monthly premiums that are so high they’ve become out of reach for the average American family. And to top it off, coverage keeps getting worse and worse every year.
With the American health insurance industry in such a mess, where can you possibly find affordable healthcare coverage? The good news is that an alternative is available through medical cost-sharing programs like AffordaShare.
If you want to know what a medical cost-sharing program is, all you need to do is look at the name—that will give you a hint! As the name suggests, medical cost-sharing is where a group of people get together and pool their resources to pay for each other’s medical costs. The program is typically run by an administrator who’s responsible for collecting each member’s monthly fee and then distributing funds to those who incur healthcare expenses each month.
If it sounds simple, that’s because it is—far simpler than the type of coverage you’d get from a traditional health insurance company…and a lot less expensive, too! Though you may not have heard of this type of program before, they’ve actually been around for more than a quarter of a century. They were first created by faith-based organizations that were seeking a viable alternative to traditional health insurance. Nowadays, many medical cost-sharing programs aren’t affiliated with one specific church or denomination; instead, they provide alternative healthcare to anyone regardless of their religious affiliation.
Whether you’re enrolling in AffordaShare as an individual, family, or small business, your monthly costs will be quite a bit less than what you’d pay in traditional health insurance premiums. Most of our members save at least 25% to 50% each month compared to what they’ve paid in the past to their health insurance company. But the savings don’t stop there—you also enjoy discounted rates at healthcare providers whenever services are rendered because you’re a “self-pay patient.”
Getting your medical bills paid through our Westfield alternative healthcare is easy. There are basically two ways to go about it.
With AffordaShare, you no longer have to spend hours on the phone with a health insurance rep trying to figure out if your expenses will be covered, how much you owe, why a bill wasn’t paid, etc. Our system is simple, straightforward, and easy to understand! And best of all, you get your medical bills paid in full whenever you need coverage.
AffordaShare covers almost everything you’d expect from a traditional health insurance company. For example, we cover major and minor medical issues such as allergies, the flu, sprained ankles, broken bones, stitches, heart attacks, strokes, cancer, emergency surgeries, and more. We even offer a 24/7 Tele-Doc service that’s available 365 days a year so you can access healthcare whenever you need it. However, to keep costs low for our members, there are a few treatments we don’t cover, including drug and alcohol treatment programs, long-term mental health treatment, and gender reassignment surgery.
We have what’s called a “member’s annual portion amount,” which is similar to a deductible. Basically, this is the amount you’re responsible for paying on medical treatment each year outside of annual wellness exams and basic office visits. The good news is that you get to choose the dollar amount of your annual portion—it’s not set for you. That way you can select an amount that best fits your needs and budget.
If you’re ready to enroll in our Westfield alternative healthcare, all you need to do is complete the fact finder questionnaire found on our website to get started. If you have any questions about our program or the enrollment process, feel free to reach out by calling 317-431-7541 or sending a message to jfrey@AffordaShare.com.