"There is nothing more powerful than an idea whose time has come."
- Victor Hugo
Our Comprehensive Health Care Solution
Florida Coast Benefit Solutions offers various alternatives to traditional health insurance for both groups and individuals, with savings of up to 50% or more compared to traditional plans.
"Break Away" Healthplan: Forbes Recommended!
Greater financial protection than traditional health insurance that saddles families with $6,000 average deductibles, and NETWORKS that exclude the best doctors and hospitals you'd want to see for cancer, heart disease, or other serious issues!
Costs about HALF of traditional insurance premiums
No Surprise Billing
Freedom to Choose the Best Providers!
Compatible with your HSA or HMA
Comes with our exclusive Concierge Service - to help you shop for medications and health services
Includes telemedicine at no additional fee and Mental Health
Alternative Therapies available with pre-auth
For answers to your questions, schedule a call with your "Break Away" plan advisor Bern Philipp, licensed health insurance agent, at https://calendly.com/bern-mpb/cost-sharing-health-plan or call (561) 445-7763.
*The "Break Away" plan is powered by MPowering Benefits, LLC.
The primary elements of our plans are Direct Primary Care (DPC) coupled with Medical Cost Sharing. DPC services can cover up to 80% or 90% of an individual's health care needs. When our members have a health need that requires services beyond the scope of their primary care physician, the medical cost-sharing component safeguards them from the significant financial burden that can often lead to bankruptcy. Watch this brief video to learn more about the many services our members enjoy.
Reviews: "Genius" "The world needs to know about this!" "This is how health coverage should be."
Some Key Features of the Plan
Affordable - alternative to traditional health plan that lowers healthcare spending
Unlimited Access to telehealth, secured messaging, or phone visits.
Primary Care - most plans include primary care office visits.
For plan choices, visit https://joinmympb.com/fcbs/Medical Cost Sharing offers financial protection against medical expenses excceeding your chosen IUA (Initial Unshareable Amount). As low as $1,000!
No Network Restrictions - allows members to choose their preferred provider and facility for receiving care, rather than being limited to inferior providers tied to traditional networks.
Superior Quality Benefits…
Improve Access, Increase Continuity, and Lower the Cost of Health Care
Improve Access, Increase Continuity, and Lower the Cost of Health Care
MEDICAL COST SHARING
Protection for Large Medical Expenses
TELEHEALTH
Unlimited Access 24/7/365 Virtual Healthcare
LIFECARE
Mental Health Counseling & Life/Work Resources
CONCIERGE ASSISTANCE
Membership Navigation Support
COST & QUALITY SEARCH ASSISTANCE
Provider Quality at Fairest Price
CARE CONNECT
Negotiation for Large Medical Needs
Our unique memberships offer an affordable way to satisfy all your health care needs.
In addition, you benefit from:
PHARMACY BENEFIT PROGRAM
Deeply Discounted Medication
WHOLEHEALTH LIVING CHOICES
Alternative Medicine & Healthcare Discounts
QR LIFE CODE
Access for First Responders in Case of Emergency
PERSONAL MEDICAL RECORDS VAULT
Secure Storage of Your Medical Records
ENROLLMENT PROCESS - "As easy as 1-2-3!"
Step 1: Review the coverage you have in place now. What does it cover? What does it cost? What is the deductible and Max Out-of-Pocket? Are you managing any expensive pre-existing conditions?
Step 2: Review the benefits available to you above. Write down all of your questions.
Step 3: Schedule your virtual appointment by clicking the link below:
Bern Philipp: Take 15 minutes to see if it's right for you!
Or give me a call at (561) 445-7763
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INFORMATION YOU WILL NEED DURING SIGN-UP
Please have detailed information regarding any pre-existing conditions you or your family may have had over the last 24 months. This includes any prescribed medications. Please also have preferred payment information. This can be a credit card or your bank account information.
Articles about Cost-Sharing
What's this "Cash-Pay" I keep hearing about?
It turns out that "cash-pay" isn't just for those without insurance. Many people with "full coverage" are using the new CMS rule to their advantage. That rule requires hospitals to publish their cash discounts. Avoid non-compliant hospitals unless they can give you a price over the phone. This rule has been a boon for members of cost-sharing communities. Also, MPB's concierge program ensures you always have a way to find the best and most affordable care near you.
Alternatives to Traditional Insurance
There are alternatives available that allow you to escape the traditional insurance hamster wheel. They are:
DPC memberships
Cost-sharing memberships (not all the same, choose carefully)
Discount Cards (complimentary from Colonial Life)
Indemnity Plans (like Colonial Life)
Cash-pay (only) - not recommended
However, Cash-pay in conjunction with 1-4 above is recommended for most.
