With Health Access Solutions, you’re part of a member-focused approach to health care that combines everyday preventive care with support for larger, unexpected medical needs. Through your employer, you have access to both Health Access Preventive and Health Access Cooperative memberships.
Health Access Preventive includes access to primary care, prescriptions, and routine, preventive services, while the Health Access Cooperative provides assistance for significant medical expenses.
Let’s explore how both work and how they complement each other.
Health Access Preventive: Your Foundation for Wellness
The Health Access Preventive is made up of three key pieces that work together to provide you and your family with quality health care that is both affordable and convenient. These three pieces are your primary care, prescriptions, and reimbursements for basic wellness services.
Learn more about how Health Access Preventive works here.
Health Access Cooperative: Support for Major Medical Events
The Health Access Cooperative is your safety net for larger, unforeseen medical expenses. It operates on a cooperative model, focusing on member needs rather than profits. Here's how it works:
- Per-Incident Member Portion: For each significant medical event, you pay a predetermined amount (e.g., $1,000, $2,500, or $4,000), after which the cooperative covers the remaining eligible expenses.
- No Network Restrictions: Choose any provider without worrying about in-network limitations.
- Self-Pay Discounts: As a self-pay patient, you may access significant discounts, sometimes up to 80% off standard rates.
This approach ensures you receive necessary care without the high premiums and deductibles associated with traditional insurance.
Coordinating Your Membership Benefits
It’s important to understand when to use each part of your membership. In summary, you’ll use your Health Access Preventive for services like: regular health maintenance, preventive screenings and tests, routine prescriptions and wellness services.
While you’ll use your Health Access Cooperative membership for services such as: emergency room visits, surgeries or hospitalizations, maternity care and other significant medical events.
By leveraging both memberships, you ensure comprehensive coverage for both everyday health needs and unexpected medical situations.
Getting Started
To make the most of your membership:
- Access Your Member Dashboard: Find detailed information about your benefits and member portions. Learn how to log in here.
- Submit Reimbursements: Use the member dashboard to submit receipts for preventive services. Learn about what information you’ll need here.
- Plan for Major Medical Needs: In the event of a significant medical incident, contact our member support team to understand how the Cooperative membership works and what you need to do next.
For assistance or more information, reach out to our member support team at members@healthaccesssolutions.com or call (800) 606-1135.