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Insured Alternative

Healthcare

    Making It Real!

The Last Health Program You'll Ever Need

    

 

       A New Co-op Health Program Starts With People Ready For Change

 

A ground-breaking health program for all medicine; alternative, functional, conventional, holistic, integrative, complementary and conventional medicine is what the GreenSurance Co-op alliance brings members. 

GreenSurance Co-op alliance provides natural medicine when the following criteria is met;

 

  • a. Natural medicine treats a diagnosis of a licensed provider (MD, DO, ND, Chiro, Nurse Practitioner etc.

  • b. Treatments are less invasive than conventional medicine for the diagnosed condition

    c. Natural treatments cost less or no more than conventional for the diagnosed issue 

    d. Natural treatments prevent more costly conventional medicine treatment

  • e. Natural treatment plan must be co-op pre-approved

  • f. Member agrees to adjusted procedure if a lower cost option is available

 

A co-op for people who chose natural medicine serves people not served by health insurance. The GreenSurance Co-op alliance supports your right to choice......because choice is powerful medicine.

 

 

       A New Health Program Era Starts with People Ready For Change

Natural Healthcare Includes;

·         Acupuncture

·         Chiropractic                                          ·         Alternative Clinics

·         Kinesiology

·         Herbal Regimes

·         Massage Therapy

·         Homeopathy

·         Colonics

·         Emotional Clearing

·         Detoxification Protocols

·         Holistic Clinics

·         Energy Therapy

·         Chinese Medicine

·         Energy Healing

·         Intravenous Vitamin C

·         Curaderm cream

·         Lab / blood work

·        Eissac Tea

·        Biofeedback

·        Frequency Medicine

·        Epigenetic testing 

·       Hypertheria 

·       TK-1 testing 

 

 

·         RGCC ONCOSTAT PLUS Test

·         ONCOblot Blood Test

·         CBD Hemp Oil

·         GcMAF

·         Rife Technology

·         Reflexology

·         Essential Oils

·         Chelation

·         Oxygen Therapy

·         IV Therapy

·         Herbs & Supplements

·         Neurotransmitter Testing

·         Micronutrient Testing

·         Food Allergies

·         Hormone Testing

·         Inflammation Testing

·         Thermography

·         Virus Therapy

·         Isador (Mistletoe)  

·         Heavy Metal Testing

·         DCA IV

·         LDN

·         Medical Tourism and so much more!

Conventional Medicine Includes

(See Health ProgramDetails)

 

  • Accidents – (accidents investigated by liability party)

  • Ambulance & Med Flight - The urgent care you when and where you need it

  • Diagnostics, X-ray's and Laboratory Services – Inpatient/Outpatient/Independent lab

  • Emergency Room Hospital / Physician Services – (Routine treatment excluded)

  • Home Health Care – Limit 30 days per Incident

  • Hospital – Inpatient limited to the average semi-private room rate.

  • Maternity Care – Normal delivery (including physician charges, office visits, hospital charges and birthing centers) cesarean section and/or complications treated as new incident with new per incident limits

  • Physician Office Services – Per incident visit. All other physician office services included per incident. (Charges billed by a physician if performed in the physician’s office: injection, surgery, lab, x-ray, special diagnostic interpretation.)

  • Prescription Drugs – Per incident (charges must occur within 45 the days before or after any related medical incident)

  • Surgery – Surgeon, Assistant Surgeon and Anesthesiologist Services. Inpatient/Outpatient services. Outpatient surgery facility

  • Therapy – Limit 20 visits per Calendar Year: (Combined with Speech, Respiratory, Physical, Occupational Therapy)

  • Other Expenses – (Unless limited by the guidelines see Health Plan Details)

 

 

 

 

 

 

 

Frequently Asked Questions

 

HOW MUCH DOES THIS COST?

Click Here for the answer 

 

WHAT PROVIDERS DO I USE FOR MY PRIMARY CARE?

Any state-licensed provider you choose who accepts your co-op as payer (Chiro, ND, DO, MD. etc.) after your out of pocket / unshared amount is met.

 

HOW DO I RECEIVE NATURAL TREATMENTS?

1. Become a GreenSurance member

2. Choose a co-op and complete questionnaire

3. Once approved you receive a member card for third-party payer information

4. Keep current on monthly plan and meet the out of pocket required.

4.a. Submit receipts - takes up to 30 days for verification

5. Once verified out-of-pocket is met you are notified benefits begin 

6. See any provider you choose

7. Provider electronically invoices co-op direct

8. For ongoing treatment for a diagnosis, provider submits a treatment plan.

9. Once approved provider is reimbursed 30-45 days from billing after treatment. 

 

 

WHY DO I PAY AN ENROLLMENT FEE BEFORE I KNOW MY MONTHLY COST?

We are a co-op serving members. Non-members are provided a low-high range on the website. Members after enrolling complete a health questionnaire and are provided an exact cost.

 

WHAT IF I HAVE AN EMERGENCY?

Once enrolled you receive a member card to present when admitted to a hospital. Your member card provides 3rd party payer information for electronic invoices. Hospitals are familiar with this system and will not deny care. Co-op must be notified within 48 hrs of admittance.

 

DO CO-OP COSTS RAISE WITH AGE OR WHEN I USE MY BENEFITS?

Monthly amounts vary based on your co-op choice and may increase based on the previous year’s healthcare costs just like insurance. Sharing expenses with lots of people means when spread among members it makes a fraction of an impact. See amounts here.

 

AM I LIMITED ON TREATMENTS?

Like any program limits are in place to protect everyone from abuse. Treatments like chiro are limited to 12 per year unless co-op pre-approved. Physical therapy and home care are also limited as are mental and substance abuse. See Health Plan Details Co-op 1, or Co-op 2 Details

 

IS EVERYONE ACCEPTED?

GreenSurance accepts everyone as a member but each co-op makes its own assessment. In some cases, provisional membership (co-op 2) is offered to people who agree to habit modification (For a complete list Click Here.)

 

  • Tobacco use - provisional membership must quit

  • Smoking any substance provisional membership must quit

  • Substance abuse - denied

  • Abuse of alcohol - provisional membership must be moderate

  • Use of prescription drugs not for prescription use

  • Prescription drug abuse - denied

  • Illegal drug use of any kind for any reason

  • Terminal Illness - denied but may offer provisional membership (co-op 2 see #4 here for details)

  • Obesity - provisional membership may be offered must lose weight

  • High blood pressure - provisional membership must lower blood pressure

  • High-risk behavior - denied

  • High-risk sports - denied

  • Inactivity - provisional membership must increase activity

  • More info on Health Plan Details page

 

Co-op 2 Provisional Membership means member is accepted with conditions.

Member pays maximum and must agree to change(s). Provisional members have a health coach assigned to ensure healthy habits are adopted.

 

WHAT ISN'T INCLUDED UNDER THE HEALTH PROGRAM?

See Health Plan Details Co-op 1 and Co-op 2 for a Complete List here are examples -

 

  • Pre-existing conditions - see co-op 1 & 2 plan details 

  • Injuries from illegal activities 

  • Abortions

  • Injuries from hazardous lifestyles or activities

  • Paranormal treatments

  • Illegal treatments

  • Unethical treatments

  • Health or habits not disclosed at enrollment are denied benefit when making a claim

  • Expenses incurred when membership is suspended  

  • Long-term convalescent care    

  • Psychiatric costs or care

  • Drug rehabilitation

  • Cosmetic procedures

  • Elective Surgery

  • Unproven methods

 

WHY ISN'T EVERYONE ACCEPTED?

Protecting members and keeping costs per member affordable is why not everyone is approved. As a private co-op each organization has the legal right to decline an applicant based on risk because this is not health insurance. 

 

 

DOES THE HEALTH PLAN INCLUDE ALL MY EXPENSES?

Most costs are included see Health Plan Details for co-op 1 and Co-op 2 See Here

 

CAN I LOSE MY CO-OP BENEFITS?

Yes. 

 

Failure to Make Contributions - After 60 days' membership is lost when defaulting on monthly amount. To regain membership former member must start over. All medical expense incurred after 30 days of non-contribution will not be reimbursed. 

 

Defraud the Community - Anyone defrauding the co-op is out permanently.

 

Non-disclosure - Members who fail to disclose, hide or omit information on the health questionnaire application that claims are made from are denied and benefits lost permanently.

 

DO I PAY A DEDUCTIBLE?

Cost sharing terminology differs from insurance but the essence is the same. Co-op 1 calls it the Maximum Out of Pocket and Co-op 2 calls it the 'unshared amount'. No matter the term it means what you pay first before sharing benefits begin.

 

HOW DOES THE COMMUNITY PAY MY HEALTHCARE COSTS?

Your provider submits an invoice to the co-op who is issues payment 30-45 days later. 

 

ARE THERE CO-PAYS TO MEET?  

No. Protecting you financially by ensuring once the out of pocket is met is the maximum you pay for approved costs. No o-pay means no medical collections when the co-op settles your account. 

 

IS MY BILL SETTLED IN FULL BY THE CO-OP?

Yes. Your account is settled in full when payment is issued to your provider by your co-op.

 

 

 

 

FOR MORE QUESTIONS, SEE OUR FAQ PAGE

  Ready to Join Us?  Click HERE

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