Free market healthcare Solutions (FMHS)

Managing healthcare costs through free market principals

Health Plans On Your Terms

About Us

What We Do

We are healthcare advocates committed to helping consumers get optimal care at minimal cost. Through mitigation, navigation and negotiation, high quality healthcare can be delivered at a reasonable cost. Our solutions provide the tools and financial resources necessary to put the consumer back in charge of their healthcare. We have GA contracts with leading providers of innovative healthcare solutions. We do not work with the Health Plan Cartel, no one needs our help with that. Whether you are an agent looking to provide value to your clients or a consumer looking for a better solution we would welcome the opportunity to work with you.

Concept

The healthcare market place and costs are distorted by third party payment systems whose objectives do not align with the consumers. We work with clients and plans that promote active consumerism in the healthcare market place.

Solution

Insurance should only be a part of your plan. Engaging and Empowering the consumer is the key to obtaining optimal care at minimal cost.

Who we work with

Employer Sponsored Plans (5 or more enrolled)

We use level funded, self insured plans under a captive structure to provide employers with an effective, affordable and sustainable plan for their employees. We have a unique 3 tried approach that allows each insured to choose a tier at time of service. Tier one provides care with no out of pocket cost to the insured.

Individual and Family Plans

We are strong advocates of consumers owning their health plans and not relying on a third party for coverage. Our defined benefit health plans are owned by the individual and guaranteed renewable regardless of future employment or health situations.

These plans can be offered on a list bill basis if an employer wants to subsidize a portion or all of the premium. With 50% participation we can provide guaranteed issue coverage.

Check Eligibility and request a quote here

Associations

For decades Associations have been looking for ways to leverage their membership populations to provide lower cost healthcare to those members. Regulations and expenses have made that a difficult goal to achieve. We have created a sustainable solution that meets the needs of the association and its members.