"Moving HealthCare Forward"
http://healthcare4everyone.com
http://healthcare4everyone.com
Rising Insurance Costs!
Insurance Premiums have more than doubled in the last 10 years
Insurance Premiums
The National Average is $750 per month and rising
With higher premiums and less benefits, doesn’t it just make sense to have less restrictions while lowering your costs
Insurance adds more and more claim denials and limitations
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Renco Puts the Missing Pieces in your Healthcare Puzzle!We’ll spend the next few minutes filling in each of the pieces
and show you how you can save $ while improving your family’s healthcare.
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What is Renco Direct Healthcare?
A Nationwide Company Located In Oklahoma
City, OKOver 10 years old
Believes the healthcare and insurance industries are in dire need of reform
On the cutting edge of healthcare reform
•Offers a non-insurance alternative for families to save on costs associated with healthcare
http://healthcare4everyone.com
PHCS Galaxy Health Network
Insurance
Companies
Unions
Small
Businesses
Renco Direct
Healthcare
Doctors
Hospitals
Prescription Drug Plan Specialists
Emergency
Care
Other Practitioners and Services
Self-Managed Care
Over 700,000 medical Providers
No third party middleman (The Insurance Companies)All pre-existing conditions allowed
No annual or lifetime maximums
No claim forms
Based on CPT4 codes Regulated by the Federal GovernmentStandardization of ServicesProper Documentation
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Health Savings Cards
Primarily were used for dental and vision care needs
Renco Revolutionize them by Expanding to allow
access to:• Doctors and Specialists• Hospitals and Emergency care• Prescription drug plan• Numerous other practitioners and services
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No
Coverage
Typical Insurance
Renco Direct Program
ER Visit $844.75 $844.75 $844.75
Cash $844.75 $75.00 $168.95
3rd Party Billing $0.00 $93.95 $0.00
Subtotal $844.75 $75.00 $168.95
Monthly Payment $0.00 $750.00 $88.00
Total Out of Pocket $844.75 $825.00 $256.95
Patient pays PPO rateCo-pay
PPO rate – co-pay
Difference of $568.05
Example ER Visithttp://healthcare4everyone.com
How much can you Save?
Office Visits: 10 – 50%
Ancillary (X-rays, labs, etc.): Up to 80%
Hospitalization: Highest % Savings up to 89%
No Co-PaysNo Deductibles
•Save on Chiropractor, Alternative Medicine, and more.
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Example of Standard Office Visit
Average office visit w/o insurance: $100
Average PPO allowable: $50
Average insurance co-pay: $25
With Renco you are paying slightly more for the office visit, but your monthly savings is substantial. For instance, lets take an insurance payment for a family of four ranging between $500-$900. Renco is $88. In the case above, this would mean insurance would cost you $525-$925 that month, whereas with Renco you are only spending $138.
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Quantity Cash Renco SavingsEstradoil 90 $42.79 $16.43 62%Dicyclomine 60 $17.89 $11.11 38%Oxycodone 40 $21.39 $10.47 51%Macrobid Caps 14 $36.99 $26.62 28%Cyclobenzaprine (MO) 30 $18.99 $4.82 75%
Prescription Drug SavingsUp To 75%
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Dental Network
Advantages– Large Number of Dentists provided: over 30,000– Low rates
• Savings of up to 70% and higher– Compared to normal pricing structure
– Covers most procedures and services including• Orthodontics• Crowns• Root Canals• Oral Surgery• Bridgework
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Periodic Oral Exam - $22
Bite Wing – Single Film - $13
Amalgam-one surface (filling) - $58
Extraction – deciduous tooth - $59
Prefabricated Resin Crown - $158
Dental Networkhttp://healthcare4everyone.com
Vision Network
EyeMed Vision Network– Lens Crafters, Sears, JC Penny and more– Access to over 35,000 providers
Includes– Most frames– lenses – specialty items
• Tints, scratch resistant coatings and ultraviolet protection
Savings of up to 60%– Up to 15% on RK and Lasik surgery
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The Old Way
The Insurance Companies
PPO (PREFERRED PROVIDER ORGANIZATION)
HOSPITAL, DOCTOR, ETC.
YOU
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The Renco Way
YOU
The Insurance Companies
HOSPITAL, DOCTOR, ETC.
PPO (PREFERRED PROVIDER ORGANIZATION)
AND…YOU CAN TAKE THAT POSITION FOR ONLY $88.00 A MONTH PER FAMILY!!!
http://healthcare4everyone.com
Using Renco With Insurance
By increasing your deductible on your current insurance plan, you would decrease your premium, be able to include Renco and still save considerable money every month.
You could also use Renco to reduce services not covered by your insurance policy and still have a safety net for emergencies.
You could also find an Indemnity plan which would cover you during a catastrophic event.
We can reduce your left over portion of co-pays. We can save you on anything your insurance doesn’t pay over $100
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Example of Renco Combined with Insurance
A typical hospital stay is around $3,600/day. Let’s say an indemnity plan would cover $500/day. The patient is then responsible for $3,100/day.
Using your Galaxy PPO through Renco, at a per-diem hospital, could get costs lowered to around $1000. Combining Renco and an indemnity plan would bring the patient’s costs from $3,600/day to just $500/day.
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Final Example
A typical, relatively healthy family of four on an 80/20 insurance plan with a $1000 deductible costs around $750/month.
Let’s say the family has the average number (6) office visits for the year, with a $25 co-pay for each visit. The yearly total would be $9,150 ($750x12+$150 visits total).
If this same family increased their deductible, they could lower their insurance payments to about $400/month, and add Renco for $88/month.
With Renco they would receive a PPO allowable rate of $50 for this example. Yearly total would then be around $6,156 ( $400x12+$88x12+$50x6). You have then saved about $2,994 for the year. *monthly fees and savings may vary depending on your plan and the deductible amount chosen.
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Who is Eligible
You and your Spouse or Significant Other
Unmarried children under age 25Includes step children and foster children
Parents/Grandparents over age 60 Reside with memberGuardian is the member
Related children (nieces and nephews)IRS dependents of member
Handicapped children over age 25Must qualify as IRS dependents
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What’s the Cost?
$88 per month– $30 One time enrollment fee– No fee increases
Monthly– EZ Pay
• Bank Draft Monthly• Credit Card Monthly• Debit Card Monthly• Savings Account Draft
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Supplemental Option
$25/MO Supplemental Family Plan
If you already have Health Insurance......You may want to consider Renco's Supplemental
Package
Includes Dental, Vision, Prescription, Chiropractic, Air Ambulance, 24 Hour Nurse and more!
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Customer Convenience
Visit our State of the Art Website to search for providers near you!
Call our customer service to confirm your provider and our team will go to
work for you, we’ll even set your doctor appointment for you.
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How to Get Started
You will be activated on the first day of the month (unless other arrangements are made, you will receive a member packet and I.D. cards at that time or within a few days.Read through the packet thoroughly and follow the
instructions on making appointments.Call the appropriate customer service number to confirm
your doctor and make sure you have your I.D. card on your first visit.Be prepared to pay at the time of service.
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Conclusion
Renco’s strong points are the numerous programs offered at a low monthly fee, while at the same time, providing an avenue to receive greatly reduced fees for ancillary services and hospitalization.Renco is strongly committed to customer satisfaction and retention.Those with pre-existing conditions, large families, self-employed, and anyone seeking a better alternative to meet their health care needs now have somewhere to turn.What other program can offer so much and require so little in return?
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