S.O.S. Comprehensive Alternative Health Plan

Are you interested in saving 25% and maybe even 50% compared to the cost of your current traditional health insurance premiums?  aegis is paving new roads around the traditional health insurance world.  Our association plan will accomplish several goals, previously unseen in health insurance.

1)   Reimburse expenses incurred for alternative medical care providers to treat illness and promote good health
2)   Reimburse expenses incurred for nutrition and nutritional supplements to treat illness and promote good health
3)   Encourage self-education regarding alternative care and nutrition to promote good health
4)   Assist members in becoming efficient health care consumers through shared responsibility for medical care choices
5)   Dramatically lower plan costs by preventing wasteful spending on ineffective treatments
6)   Dramatically lower plan costs through incentives for plan members to improve their health
7)   Charge you substantially lower payments, as a result of our favorable payments/expenses ratio 

In return for the substantial financial (and physical) benefit our members gain by participating in our plan, we ask that you commit to making a concerted effort to keep costs as low as possible by doing your part individually, as follows:

1)   Seek alternative care FIRST, rather than after traditional medicine fails
2)   Strive to achieve the healthiest lifestyle possible, by

a. losing excess weight and keeping it off (we'll help)
b. eating a healthy diet
c. developing regular exercise habits (ballroom dancing, anyone?)
d. avoiding all forms of tobacco
e. avoiding use of recreational drugs
f. using alcohol in moderation (less than 7 drinks per week)
g. being a safe driver (no texting behind the wheel please)
h. avoiding extreme sports (catastrophic injury means astronomical claims)

3)   Shop for health care like you shop for your other consumer items
4)   Report to us abusive billing practices of medical care providers.  For example:

a. charging more for patients who have (any) insurance than for patients who pay cash
b. encouraging frequent visits by patients who have (any) insurance in order to generate fees
c. requiring follow-up visits when treatment is no longer necessary
d. billing for services that were not provided
We will remove providers from our networks for these (and other) billing abuses.

Our aim is to keep your monthly payment at a minimum, so you have more money to spend on other necessities. We want you to understand up front how we'll accomplish this, because only with your cooperation can we be successful.  aegis is the only company committed to achieving low payments by, through a joint effort with our members, keeping costs down.  Remember, insurance is expensive only because claims are high.  With our unique association plan design, we've created a method to reverse that trend. We intend to keep your payments low indefinitely, and we're certain that we'll always charge less than traditional insurance.

Our members are not required to use our network of alternative care providers to participate in our plan. However, we've carefully developed a network of the finest providers, who have proven to be effective in their specialties. You won't waste your money (or ours) seeking care from someone who might not be as effective, if you stay within the network. If you've experienced excellent results using an alternative care practitioner who isn't already in our network, but should be, we want to know about it. We're always interested in adding excellent providers to our network. Click to refer a provider.

To obtain the highest level of plan benefits, we require that you use our aegis Naturopathic Network when seeking care from MDs, DOs, and DCs.  We discourage visiting traditional western medical practitioners by making it financially unfavorable to do so.  Our aegis Naturopathic Network providers, including medical doctors, doctors of osteopath, and doctors of chiropractic, are very different than traditional doctors.  They're aware that naturopathic remedies and nutrition provide substantial benefit for their patients.  They've changed focus to promoting health rather than treating illness.  We're pleased to partner with naturopathic physicians whose primary concern is the well being of patients, preferable to generating excessive fees.  Be advised that members who choose traditional western medicine to treat illness, instead of naturopathic or alternative medicine, will incur much higher out-of-pocket expenses.  We don't recommend that you purchase our plan at all if you're captive to western medicine mentality. 

We do not permit any practitioners to bill us for your office visits. You are required to pay their fees at the time of your visit and submit your paid receipt to us for our portion of reimbursement. This accomplishes two important objectives: it makes you aware of how much it costs for a consultation with that practitioner, and it prevents practitioners from billing higher fees for patients who are covered under our plan. Again, the desired result is to keep costs down so we can keep your payments at a minimum.

Out of necessity, we make a third network of providers available to our members. PHCSBEECH is a national network with the full spectrum of western medical practitioners, which is accessible to members who suffer injuries.  We understand that if you fall off the roof, you'll need an x-ray and maybe an ambulance. You might need an orthopedic surgeon to reset a broken arm.  So of course our injury insurance coverage will pay for western medical care without penalty, up to the policy's maximum limits, when obtained from PHCSBEECH providers.  You are not required to pay PHCSBEECH providers' fees up front for treatment of injury.  Claims can be filed directly by the doctors and hospitals.

We're pleased to be the only plan which reimburses a portion of approved nutrition supplements.  See our 'Covered Nutritional Products' link for a list of authorized suppliers.  However it is not our intention to reimburse for every supplement that every plan members uses.  If you'd like to try Forever Young by Life Plus because you want to minimize your wrinkles, please feel free.  We encourage it because, in the nutrition arena, when you're young on the outside, you're also young on the inside.  But don't expect your plan to pay for you to look younger, or to have thicker hair, or for enhanced libido, etc.  Our plan is designed to pay for nutrition therapy prescribed by an aegis network provider for treatment of a diagnosed malady. Our objective in reimbursing your nutrition supplements is to provide incentive for you to choose the path toward overcoming illness and maintaining good health, instead of treating your illnesses with harmful drugs for the rest of your life. Thus we will reimburse our portion for prescribed, approved supplements, up to six months per malady, unless written authorization is obtained from us for an extension.  (Authorization to extend is automatic when nutrition therapy is used to treat cancers.)

A good quality nutrition supplement typically manifests results within a few weeks. Our six month coverage period is well beyond that time frame. Once we have assisted financially in restoring your health, we expect our members to accept responsibility for maintaining that level of health from that point forward. Ongoing preventive health supplement usage is very inexpensive compared to the cost of western medical care and traditional insurance premiums. Remember, diet and lifestyle are significant ongoing factors in your health status. To keep your out-of-pocket costs for health care as low as possible, be intelligent about your diet and lifestyle.

Continue to the next page for our Schedule of Benefits. Carefully read the limitations and exclusions at the end of the Schedule. Our limitations and exclusions are less restrictive than a traditional insurance plan, but we ask that you do make yourself aware of what items are limited or excluded before you buy our plan.