About Us
Certus Health is a family-owned company. As a self-employed family, we also had the need to find reliable, affordable health coverage. As former medical practice business consultants for 7 years, we teamed up with Humana and various healthcare providers in Houston to come up with a simple, yet effective way to not only save on health coverage, but to also have safe coverage. It is a four-part "program" and is very easy to follow:
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Purchase high-deductible health insurance to protect you and your family against "unexpected" and costly health events. For example: accidents, surgeries, cancer treatment - anything that is catastropic. You will use health insurance ONLY for these types of events, and NOT for routine health events. You don't need to "pre-pay" for a bunch of routine care that you will most likely not use. This way, your premiums will be low. How low will depend on how much you can comfortably contribute towards the medical payments in case something catastrophic does happen - the more you are prepared to contribute, the less your premiums will be. These policies average out to $75 per person per month.
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Reduce your exposure with accident gap insurance. This is insurance that pays for the deductible in your high-deductible health insurance plan in case anybody in your family suffers an accident. For example, let's say you have a health insurance plan with a $5,000 deductible and you have accident gap insurance that pays out up to $5,000 in case of an accident. If you then have an accident, the most that you will pay out of pocket will be $100. It is a trick of the trade that few people realize, but it does work and it can reduce your exposure significantly. A policy for $5,000 per accident costs only $36 per family per month. Accident gap insurance will not pay in case of a catastrophic illness, so in this case you will be fully responsible for meeting the deductible of major health insurance, but hopefully, you will have saved that money in an HSA account.
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Pay cash for routine care. Since you have a high-deductible health plan, you now have to become a "shopper" of primary care. We work with various healthcare providers in Houston that want to work with you. Because you will pay in cash and at time of service, these healthcare providers value you as a very important client and will give you a very fair price up front so that there will be no surprises. Our healthcare provider partners will help you save on sick visits, dental visits, labs, imaging, chiropractors, and wellness. We are also Health Savings Accounts (HSAs) experts and will show you how to deduct from your income taxes routine care expenses and medications.
- Pay wholesale for medications. Wal-Mart has realized that it is much better off taking payment for medications at a large discount instead of waiting for the insurance companies to pay them. Cash flow is very important to them and are willing to sell medications at very low prices in exchange for getting paid at time of service. In an agreement with Wal-Mart pharmacies, we have been assigned a special group ID number that are put on pharmacy cards which are used by our customers to save on medications.
* Certus Health publishes the services and prices that third party providers want to advertise to the public. Certus Health is simply an advertising venue and does NOT negotiate or establish prices for the third party providers. Certus Health does not guarantee the compliance of third party providers with regard to availability, specialties, or cost for the services advertised in this website. |
