Health Excellence Plus Plan Options
Choose One of the Five Options Listed Below
Self Managed or Physician Managed Plan Options
Self Managed Plan Options
Self - Directed Healthcare Option #1
Designed for the Self-Pay Patient with a Back-up Plan
A Totally Self-Directed Plan that combines Wellness services, SOME Preventive
Care services, AND Medical Cost Sharing using an Open Access network of care providers.
Self Directed Plan Features
Self Directed Medical Cost Sharing
Plan Specifications
  • NO AFFORDABLE CARE ACT TAX PENALTY 
  • PREVENTIVE CARE SERVICES—Colonoscopies for members 50 and over, mammograms for members 40 and over, and childhood immunizations (excluding flu shots) and vaccinations are shareable at no cost (i.e. with no Individual Unshareable Amount) under the Medical Cost Sharing portion of the program. No other preventive care services mandated by the Affordable Care Act are covered
  • NETWORK—Open Access network; can use any provider who accepts cash payment for any service under the program, including shareable preventive care services mentioned above and large medical expenses mentioned below
  • SMALL MEDICAL EXPENSES—Mitigate using My AHE Pharmacy Programs, My AHE Member and Concierge Services, TelaDoc™, the 2nd Opinion Program (2nd MD™), and Counseling services 


Large Medical Expenses


  • Contain Unforeseen Incidents With Medical Cost Sharing 
  • Initial Unshared Amount (IUA) Options—Select IUA of your choice: $500, $1000, $1500, $2500, or $5000
  • Maximum Number Of IUA’s Annually—3 per individual/5 per membership unit
  • Prescription Drugs—normal sharing rules apply for curative medications; 120 days for maintenance medications (blood pressure, cholesterol, etc.)
  • Pre-Existing Conditions—36 month look-back: no coverage for 1st 12 months; $15K 2nd year; $30K 3rd year; unlimited thereafter
  • Maternity Benefits—$5K IUA for normal deliveries and $7.5K for non-emergency/elective C-sections; conception must have occurred after membership per section 9 of the Guidelines
  • Therapies And TMJ—range from $1.5K to $2.5K/Need under Section 8 of the Guidelines
  • Psychiatric And Behavioral Health—$5K inpatient maximum/Need; $1.5K outpatient/Need under Section 8 of the Guidelines
  • Tobacco Use—$75 surcharge per membership unit. If age 50 or over, $25K sharing restriction for cancer, stroke, heart conditions and COPD
  • Sharing Limits—No annual or lifetime limits unless restricted by Sections 8 or 9 of the Guidelines
Is the Self Directed Plan the right one for you?
Schedule or Call Now 

Click Now To Schedule An Appointment And Enroll

Call Health Care Advisor Ron Patterson (239) 202-0825

Medical Cost Sharing Guide


Partially - Self Directed Healthcare Option #2
Designed for the Self-Pay Patient Who Wants Full Preventive Care Services with a Back-up Plan
Partially Self-Directed Plan that combines all Wellness Services, Preventive Care using the PHCS Network, AND Medical Cost Sharing using an Open Access Network of care providers. Includes the ability to establish a tax-advantaged Health Savings Account.
Partially Self Directed Plan Features
Partially Directed Medical Cost Sharing
Plan Specifications
  • NO AFFORDABLE CARE ACT TAX PENALTY 
  • PREVENTIVE CARE NETWORK AND SERVICES—Requires use of PHCS network for all services. No cost for preventive services mandated by the Affordable Care Act
  • SMALL MEDICAL EXPENSES—Mitigate using My AHE Pharmacy Programs, My AHE Member and Concierge Services, TelaDoc™, the 2nd Opinion Program (2nd MD™), and Counseling services. Manage with a voluntary Health Savings Account


Large Medical Expenses


  • Contain Unforeseen Incidents With Medical Cost Sharing 
  • Medical Cost Sharing Network—Open Access network; can use any provider who accepts cash payment
  • Initial Unshared Amount (IUA) Options—Select IUA of your choice: $500, $1000, $1500, $2500, or $5000
  • Maximum Number Of IUA’s Annually—3 per individual/5 per membership unit
  • Prescription Drugs—normal sharing rules apply for curative medications; 120 days for maintenance medications (blood pressure, cholesterol, etc.)
  • Pre-Existing Conditions—36 month look-back: no coverage for 1st 12 months; $15K 2nd year; $30K 3rd year; unlimited thereafter
  • Maternity Benefits—$5K IUA for normal deliveries and $7.5K for non-emergency/elective C-sections; conception must have occurred after membership per section 9 of the Guidelines
  • Therapies And TMJ—range from $1.5K to $2.5K/Need under Section 8 of the Guidelines
  • Psychiatric And Behavioral Health—$5K inpatient maximum/Need; $1.5K outpatient/Need under Section 8 of the Guidelines
  • Tobacco Use—$75 surcharge per membership unit. If age 50 or over, $25K sharing restriction for cancer, stroke, heart conditions and COPD
  • Sharing Limits—No annual or lifetime limits unless restricted by Sections 8 or 9 of the Guidelines
Is the Partially - Self Directed Plan the right one for you? 
Schedule or Call Now

Click Now To Schedule An Appointment And Enroll

Call Health Care Advisor Ron Patterson (239) 202-0825

Medical Cost Sharing Guide


Physician Managed Plan Options
Direct Primary Care Healthcare Option #3
Designed to complement the services of your Direct Primary Care Doctor with Preventive Care and a Back-up Plan
This plan complements the services of your Direct Primary Care Doctor with limited expensive Preventive Care. Includes Medical Cost Sharing for large expenses using an Open Access network of care providers.
DPC Plan Features
DPC Medical Cost Sharing Specifics
Plan Specifications
  • NO AFFORDABLE CARE ACT TAX PENALTY 
  • COORDINATED CARE—The principle of Direct Primary Care is that your primary care doctor is your first point of contact and focal point for services and coordinates all care. He or she provides most preventive care [colonoscopies for members 50+, mammograms for members 40+, and childhood immunizations (excluding flu shots) and vaccinations are fully shareable under the Medical Cost Sharing portion of the program (see below)]
  • SMALL MEDICAL EXPENSES—Mitigate using your DPC doctor, My AHE Pharmacy Programs, My AHE Member and Concierge Services, TelaDoc™ (telemedicine), the 2nd Opinion Program (2nd MD™), and Counseling services


Large Medical Expenses


  • Contain Unforeseen Incidents With Medical Cost Sharing 
  • Medical Cost Sharing Network—Open Access network; can use any provider who accepts cash payment
  • Initial Unshared Amount (IUA) Options—Select IUA of your choice: $500, $1000, $1500, $2500, or $5000
  • Maximum Number Of IUA’s Annually—3 per individual/5 per membership unit
  • Prescription Drugs—normal sharing rules apply for curative medications; 120 days for maintenance medications (blood pressure, cholesterol, etc.)
  • Pre-Existing Conditions—36 month look-back: no coverage for 1st 12 months; $15K 2nd year; $30K 3rd year; unlimited thereafter
  • Maternity Benefits—$5K IUA for normal deliveries and $7.5K for non-emergency/elective C-sections; conception must have occurred after membership per section 9 of the Guidelines
  • Therapies And TMJ—range from $1.5K to $2.5K/Need under Section 8 of the Guidelines
  • Psychiatric And Behavioral Health—$5K inpatient maximum/Need; $1.5K outpatient/Need under Section 8 of the Guidelines
  • Tobacco Use—$75 surcharge per membership unit. If age 50 or over, $25K sharing restriction for cancer, stroke, heart conditions and COPD
  • Sharing Limits—No annual or lifetime limits unless restricted by Sections 8 or 9 of the Guidelines
Is the DPC Plan the right one for you? 
Schedule or Call Now

Click Now To Schedule An Appointment And Enroll

Call Health Care Advisor Ron Patterson (239) 202-0825

Medical Cost Sharing Guide


Provider-Directed Healthcare Option #4
Designated Provider (Redirect Health) for Preventive Care and Small Medical Expenses with a Back-up Plan
Use Redirect Health as your designated provider for Preventive Care and Small Medical Expenses. Use Redirect Health’s Telemedicine protocol to access services. Includes Wellness services AND Medical Cost Sharing using an Open Access network of care providers. This option provides membership in BOTH Redirect Health AND Medical Cost Sharing.
Provider Directed Healthcare
DPC Medical Cost Sharing Specifics
Plan Specifications
  • NO AFFORDABLE CARE ACT TAX PENALTY 
  • PREVENTATIVE CARE NETWORK—Open Access (anywhere) with prior authorization from the Care Logistics Team, no cost for preventative services mandated by the Affordable Care Act
  • PRIMARY AND CHIROPRACTIC CARE NETW0RK—Open Access (anywhere) with prior authorization from the Care Logistics Team. $0 deductible and $0 co-pay for primary care office visits, chiropractic visits, and for labs listed in a published schedule. Discounts are available for some other services. Use this to meet most of your small needs
  • SMALL MEDICAL EXPENSES—$0 deductible and $0 co-pay for primary care and chiropractic office visits and other services/benefits as described in the “PREVENT” and “MITIGATE” sections of the Plan Features section


Large Medical Expenses


  • Contain Unforeseen Incidents With Medical Cost Sharing 
  • Medical Cost Sharing Network—Open Access network; can use any provider who accepts cash payment
  • Initial Unshared Amount (IUA) Options—Select IUA of your choice: $500, $1000, $1500, $2500, or $5000
  • Maximum Number Of IUA’s Annually—3 per individual/5 per membership unit
  • Prescription Drugs—normal sharing rules apply for curative medications; 120 days for maintenance medications (blood pressure, cholesterol, etc.)
  • Pre-Existing Conditions—36 month look-back: no coverage for 1st 12 months; $15K 2nd year; $30K 3rd year; unlimited thereafter
  • Maternity Benefits—$5K IUA for normal deliveries and $7.5K for non-emergency/elective C-sections; conception must have occurred after membership per section 9 of the Guidelines
  • Therapies And TMJ—range from $1.5K to $2.5K/Need under Section 8 of the Guidelines
  • Psychiatric And Behavioral Health—$5K inpatient maximum/Need; $1.5K outpatient/Need under Section 8 of the Guidelines
  • Tobacco Use—$75 surcharge per membership unit. If age 50 or over, $25K sharing restriction for cancer, stroke, heart conditions and COPD
  • Sharing Limits—No annual or lifetime limits unless restricted by Sections 8 or 9 of the Guidelines
Is the Provider-Directed Plan the right one for you? 
Schedule or Call Now

Click Now To Schedule An Appointment And Enroll

Call Health Care Advisor Ron Patterson (239) 202-0825

Medical Cost Sharing Guide