Optimal Care – Better Than Health Insurance
In the midst of a healthcare system in turmoil, where accessing medical care seems like an uphill battle, Optimal teleHealth presents a game-changing solution: Optimal Care Memberships. In this blog, we’ll delve into why we believe this approach is a great alternative for traditional health insurance and how it’s reshaping the landscape of healthcare accessibility.
The Problem with Traditional Health Insurance
Let’s face it, America’s health insurance system is broken. For many, it’s become a barrier rather than a gateway to healthcare. The rising costs, complicated coverage plans, and limited accessibility have left countless individuals struggling to obtain the care they need. Recognizing this fundamental flaw, a movement is underway across the nation to circumvent the traditional insurance model and embrace a more direct approach to healthcare.
Enter Optimal Care Memberships
At Optimal TeleHealth, we’ve crafted the Optimal Care Membership as our superior offering and comprehensive alternative to traditional health insurance, tailored to meet the diverse needs of the population. In this membership, support is offered through telehealth services for primary care medical needs and medical cost sharing for financial protection for major medical events. We pride ourselves on the partnerships of our offerings and the benefits it delivers to our clients.
Telehealth: Bridging the Gap
Telehealth lies at the heart of Optimal Care Membership, serving as a bridge between patients and healthcare providers. Through our partnership with Lyric Health, a leading virtual healthcare provider, we offer a wide array of services, including:
- 24/365 Urgent Care w/board certified doctors
- 1:1 Dedicated Doctor relationship
- Dermatology Consultations
- Behavioral Health Counseling
- Psychologist & Psychiatrist Counseling
- Access to medical specialists
- Healthcare advocacy services
- Virtual care navigation
- Chronic illness treatment
- Virtual First 24/7 triage
- Annual Blood Panel
- Health Risk Assessment
- Dedicated Care Team
- Consolidated Electronic Medical Records
- Caregiver support tools
- Insurance care navigation
For individuals who aren’t interested in full coverage, Optimal teleHealth consolidates these services stand-alone bundles called Essential Care and Primary Care Memberships, which meet the needs and budget of this segment of the population.With Lyric Health’s innovative platform, patients can conveniently access quality healthcare anytime, anywhere, breaking down the barriers of distance and time.
Medical Cost Sharing: A Collaborative Approach
In addition to telehealth services, Optimal Care Memberships incorporate medical cost-sharing, a proven model that has been revolutionizing the way individuals manage healthcare expenses. Partnering with Sedera, a pioneer in the medical cost-sharing community, we offer a collaborative approach to financial protection for major medical events. Unlike traditional insurance, Sedera’s model emphasizes community support, enabling members to share medical costs in a transparent and equitable manner.
This initial out-of-pocket expense for a major medical event is called the “Initial Unshareable Amount” or IUA. The amount of the IUA is determined by the new member based upon the membership they select. There are five levels of membership from $500 IUA to $5,000 IUA, the most popular being the $1,000 and $1,500 IUA membership.You can learn more about IUAs in our eguide. Sedera refers to any injury or illness, the cost of which exceeds the members IUA as a “Need”. If the member and family experience more than three Needs in one year, Sedera waives the IUA for all additional Needs and shares 100% of the medical costs with the community. Additionally, and this is significant, once the IUA is paid for a given need, it’s never paid again, even if treatment for that Need lasts multiple years. In other words, unlike traditional medical insurance where the deductible starts over every January 1st, treatment for the same need is 100% shareable with the community in subsequent years except when the patient has gone for more than twelve months with no diagnosis or symptoms of the original condition.
Optimal teleHealth is proud to be an authorized affiliate of Sedera and feel we represent the nation’s preeminent medical cost sharing community.
The Added Benefit: Savvos Marketplace
As an added benefit of Sedera membership, Sedera supports member utilization of Savvos Marketplace when they are shopping for scheduled major medical procedures. Sedera’s partnership with Savvos not only gives members the ability to shop online for the best providers in their area, but also schedule the procedure using the Savvos website.
When scheduled through Savvos, the medical service provider is paid for their services immediately upon completion. When the Sedera member is reimbursed for services by the community, the member reimburses Savvos. Additionally, for using Savvos, Sedera waives up to $1,500 of the members IUA. This means if the member has a $500, $1,000 or $1,500 IUA membership, their medical procedure doesn’t cost them anything.
The Optimal Care Advantage
So, why choose the Optimal Care Membership? Our approach transcends the limitations of traditional health insurance, offering a holistic solution that prioritizes accessibility, affordability, and quality of care. Whether you’re an individual seeking comprehensive coverage or an employer looking to provide innovative benefits to your team, Optimal Care Membership offers a flexible and scalable solution for all utilizing medical cost-sharing and telehealth services.
At Optimal teleHealth, it is our hope to transform healthcare by providing both cost control and access to care. It’s time to liberate ourselves from the constraints of traditional healthcare systems and usher in an era where healthcare is within reach for everyone.
To learn more about our Optimal Care Memberships download the ebook below.
