Welcome to a Better Way to Manage Healthcare; you’ve joined a community of like-minded individuals dedicated to wellness, freedom, and affordability. This roadmap will help you set up your membership so you are ready before you have a medical need.
Welcome Call:
You will receive a welcome packet in the mail, which includes a quick reference guide to help navigate medical situations. If you don’t receive it within a week, please call our Concierge team at 1-800-519-2969.
Once you receive your welcome packet, please be sure to schedule your Welcome Call. This is a personalized call that will walk you through your membership.
This is your command center. Use it to view your membership.
Download the MPB Health App:ip details, submit Sharing Requests, manage billing, and access virtual care.
Click here to download: https://mpb.health/download-app/
Health Sharing: (Excluding Essentials Memberships)
Health sharing is not insurance, but a community-based approach to sharing eligible large medical expenses. When you see a doctor, you always present as a cash-pay patient.
Submitting a Sharing Request:
Meet Your IUA: You are responsible for your chosen Initial Unshareable Amount (IUA).
Submit: After meeting your Initial Unshareable Amount, eligible expenses can be submitted for sharing. You can always call our concierge team for help with this submission.
Timeline: Sharing Requests must be submitted within 6 months of the date of service.
Process: Once approved, sharing typically occurs within 45-60 days (emergencies are prioritized). Payments are facilitated directly to the providers. You can always check the status of your requests in your member portal.
Multiple Sharing Requests: You are responsible for up to 3 IUAs per rolling year. On the 4th Sharing Request, if bills exceed $500, that amount is reimbursable.
Pre-Membership Medical Conditions:
MPB Health does not decline membership based on health history. If you have been examined, diagnosed, treated, had symptoms, taken medication, or have an increased risk for a condition before your membership start date, it may be considered a pre-membership medical condition. There is no sharing for pre-membership medical conditions in the first year of membership.
Sharing limits for pre-membership medical conditions increase over time:
Year 1: No sharing for the pre-membership medical condition.
Year 2: Up to $25,000 eligible for sharing.
Year 3: Up to $50,000 eligible for sharing.
Year 4 and beyond: Up to $125,000 eligible for sharing per year.
Certain managed conditions—such as diabetes, high blood pressure, or high cholesterol—may be eligible for sharing from day one if there has been no related hospitalization in the past year.
Note: This applies to the pre-membership medical condition only. You are fully eligible for new (eligible) injuries or illnesses immediately.
Our Concierge team can help explain how this applies to your situation.
Virtual Care Benefits:
In order to access virtual care, be sure to log in to the MPB Health App and select "Telehealth" on the home screen. From here, you can choose which service is needed.
Virtual Urgent Care: for same-day video or phone appointments.
Virtual Primary Care: This includes one complimentary metabolic panel per year.
Virtual Behavioral Health: Short-term therapy for treatment of acute conditions. An intake clinician will determine a baseline for the number of sessions pending assessment. Sessions can be extended at the provider’s discretion, with no annual limit of use based on occurrences.
Virtual Psychology: For long-term treatment of complex mental health concerns. $100 per visit.
Virtual Psychiatry: For Medication management and treatment plans. Initial assessment of $205 and $100 per follow-up visit.
Virtual Dermatology: 3 Free Dermatology consults per household.
Pet Telehealth: Receive advice from licensed veterinarians for free.
Discounts:
Vitamins & Supplements: 30% off
DNA Testing: $25 off
Labs & Imaging: submit a Custom Quote Request in your portal. Our team will locate the best cash-pay price in your area.
Secure HSA, Premium HSA, and MEC+Essentials Memberships ONLY:
Minimum Essential Coverage
Minimum essential coverage (MEC) provides access to ACA-required preventive services within the PHCS/Multiplan network.
What's included:
Annual Wellness Visits
Mammograms
Colonoscopies
Standard Vaccines
Preventive Blood Work: Cholesterol tests or lipid panels, screening for Type 2 Diabetes and Gestational Diabetes, Hepatitis B and C screenings, HIV screening, and Anemia screening (for pregnant women or patients under age 18).
How to Use It: For preventive care only, present your MPB Card (found in the App) and ensure your provider is in the PHCS/Multiplan network. For all other care, you remain a cash-pay patient. If you need assistance finding an in-network provider or scheduling an appointment, please reach out to our concierge team.
Preventive vs. Diagnostic
Preventive (Included as defined by ACA): Routine checks when you have no symptoms.
Diagnostic (Not Included): Tests ordered to evaluate a symptom or rule out a condition.
Example: If you mention "stomach pain" during a wellness visit and the doctor orders a test, that test becomes Diagnostic and is your financial responsibility.
Health Savings Account (HSA)
Your membership allows you to open a Health Savings Account, which offers a triple tax advantage. To open an account, please visit a financial institution of your choice.
Need Help or Have Questions?
📞 Concierge: 1-800-519-2969
📧 Email: concierge@mympb.com
🌐 Member Portal: https://app.mpb.health/