Maverick Health Benefits
Revolutionizing Primary Care
Maverick Health Benefits is dedicated to supporting Direct Primary Care (DPC) clinics with comprehensive, patient-centered healthcare solutions. Our mission is to make primary care accessible, affordable, and effective for all.
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Big Tree & Little Tree
Columbia, Boonville, Jefferson City & Sedalia, Missouri
Unlimited Membership
Starting at $80
☑Unlimited in-clinic and virtual visits with no copays
☑24/7 access to member services
☑ Same-day appointments
☑ 180+ included medications plus additional medications
available at wholesale cost
☑ Discounted labs
☑ X-rays performed at Big Tree Medical
☑ Services include EKG’s, GYN, chronic disease management,
weight loss programs, and more
Unlimited PLUS Membership
Starting at $195
☑ Includes Big Tree/Little Tree’s Unlimited Membership and 180+ Medications (No Copays)
☑ Nationwide access to primary providers, specialists, urgent care, and more ($25/$50 office visit copay - See any provider)
☑ 10 free lab visits when ordered by Big Tree throughQuest/LabCorp
☑ ACA Compliant MEC Preventative Services Covered at 100%
☑Paytient Visa® Card: Interest- and fee-free spending limit* of $2,000 for Individuals and $2,500 for Families with custom repayment plans (18 months)**
Cornerstone Family Medicine
Fulton & Mexico, Missouri
Cornerstone Membership
Adults $55 (18+) Children $22 (18 & under)
- Same/next day appointment
- Texting/calling directly with your doctor
- 24/7 access to your doctor
- Home visits
- Mail delivery for medications
- Phone/video chat visits
- Meds dispensed directly from our clinic (often cheaper than pharmacy
prices)
Cornerstone PLUS Membership
Starting at $150
- Includes Cornerstone Membership
- Nationwide access to primary providers, specialists, urgent care, and more ($25/$50 office visit copay - See any provider)
- 10 free lab visits when ordered by Big Tree throughQuest/LabCorp
- ACA Compliant MEC Preventative Services Covered at 100%
- Paytient Visa® Card: Interest- and fee-free spending limit* of $2,000 for Individuals and $2,500 for Families with custom repayment plans (18 months)**
- Sedera IUA Reimbursement Benefit
Add a footnote if this applies to your business
Hear from our Happy Customers
Frequently Asked Questions
Please reach us at hello@maverickhealthbenefits.com for more information!
Maverick Health Benefits provides total care solutions in all 50 states across the United States.
Maverick Health Benefits offers a range of direct primary care and medical cost sharing plans for individuals, families and employers!
Direct Primary Care (DPC) is a healthcare model that offers patients comprehensive primary care services through a direct financial arrangement with their doctor or clinic. Instead of relying on traditional health insurance, patients pay a flat monthly, quarterly, or annual fee directly to the healthcare provider.
Key Features of DPC
- Subscription-Based Payment Model:
- Patients pay a fixed fee (usually $50–$150 per month) for unlimited access to primary care services.
- No co-pays, deductibles, or billing through insurance for covered services.
- Personalized and Accessible Care:
- Longer appointments (30–60 minutes or more) allow for in-depth discussions about health concerns.
- Same-day or next-day appointments are often available.
- Many DPC practices offer 24/7 access to care through phone, text, or email.
- Preventative and Routine Care:
- Includes regular check-ups, chronic disease management, wellness planning, vaccinations, and minor procedures (e.g., stitches, mole removal).
- Encourages preventative care to minimize the need for costly interventions later.
- Smaller Patient Panels:
- DPC providers typically limit the number of patients they see, often to a few hundred compared to the thousands managed in traditional primary care.
- This allows for more personalized care and stronger doctor-patient relationships.
- Transparent Pricing:
- All services provided by the DPC practice are included in the subscription fee, with clear and upfront pricing for anything not covered (e.g., lab tests or imaging).
Advantages of DPC
- Affordability: Predictable and lower costs compared to traditional insurance-based care.
- Accessibility: Easier and quicker access to your doctor, reducing wait times and improving patient satisfaction.
- Focus on Wellness: Proactive care minimizes long-term health risks.
- No Insurance Hassles: Eliminates the need for pre-authorizations, claims, and other insurance paperwork.
What’s Not Covered?
While DPC covers most primary care needs, it generally does not include:
- Specialist visits
- Emergency room care
- Hospitalizations
- Surgeries
- Catastrophic medical expenses
For these needs, many patients pair DPC with a high-deductible health plan (HDHP) or a medical cost-sharing program to ensure comprehensive coverage.
Who Benefits from DPC?
- Individuals and families seeking affordable, routine healthcare.
- Employers looking to provide cost-effective healthcare benefits to employees.
- People with high-deductible insurance plans needing affordable primary care access.
- Those who value a strong, ongoing relationship with their doctor.
DPC emphasizes convenience, affordability, and a patient-centered approach, making it a growing alternative to traditional healthcare systems.
Medical Cost Sharing (MCS) is an alternative healthcare financing model where members of a group pool their resources to share the costs of medical expenses. It’s often associated with faith-based or community-focused organizations, though some secular options are also available. Unlike traditional insurance, MCS is not insurance but functions as a cooperative way to manage healthcare costs, especially for major medical needs.
How Medical Cost Sharing Works
- Membership and Monthly Contributions:
- Members pay a fixed monthly contribution to the cost-sharing organization.
- These contributions are pooled to pay for eligible medical expenses submitted by members.
- Sharing Eligible Expenses:
- When a member incurs a medical expense, they submit a request for cost-sharing.
- If the expense meets the organization's guidelines, funds from the shared pool are used to cover the cost.
- Members are often responsible for an initial portion of their expenses, akin to a deductible (commonly called an initial unshareable amount or personal responsibility).
- Guidelines and Criteria:
- Expenses must meet specific criteria to qualify for sharing (e.g., medically necessary procedures, emergencies).
- Some plans have restrictions based on pre-existing conditions, lifestyle choices, or types of treatments covered.
Key Features of MCS
- Lower Costs:
- Monthly contributions are often lower than traditional insurance premiums.
- Members can avoid many of the administrative fees associated with insurance.
- Flexible Provider Choices:
- Members typically aren’t restricted to a network of providers and can choose any doctor or hospital.
- Catastrophic Expense Protection:
- Designed to handle major, unexpected medical expenses such as surgeries, hospital stays, or significant treatments like cancer care.
- Community-Based Approach:
- Members support one another by contributing to shared costs, often fostering a sense of mutual responsibility.
What’s Covered?
Coverage typically includes:
- Emergency room visits
- Hospital stays
- Surgeries
- Specialist visits
- Maternity care
- Prescription medications (sometimes)
However, each program sets its own rules for eligible expenses, so it’s crucial to review the guidelines.
What’s Not Covered?
MCS often excludes:
- Routine and preventive care (though some programs are expanding to cover this).
- Pre-existing conditions (may have waiting periods or limited coverage).
- Cosmetic procedures or elective surgeries.
- Care related to certain high-risk activities, depending on the organization.
Advantages of MCS
- Affordability: Lower monthly contributions and no traditional premiums.
- Transparency: Clear guidelines for what expenses are shareable.
- Nationwide Flexibility: Freedom to choose healthcare providers without network restrictions.
- Community Support: Contributions often directly support other members' medical expenses.
Potential Drawbacks
- Not Insurance: No legal guarantees of payment; sharing is voluntary and depends on the pooled resources.
- Limited Coverage: Exclusions or limitations may leave gaps in care, especially for pre-existing conditions or preventative care.
- Variable Responsiveness: Processing times for reimbursements can vary.
- Unregulated: MCS organizations are not subject to insurance regulations, which may offer less consumer protection.
Who Benefits from MCS?
- Individuals and families who are healthy and looking for an alternative to expensive insurance.
- Those with high-deductible health plans seeking catastrophic coverage.
- People who value community-oriented approaches to healthcare.
By pairing MCS with a Direct Primary Care (DPC) membership or other out-of-pocket solutions for routine care, members can achieve a cost-effective and comprehensive healthcare strategy.
Having both a Direct Primary Care (DPC) membership and a Medical Cost Sharing (MCS) membership together provides a comprehensive and cost-effective solution for healthcare. Here's why this combination works well:
1. Direct Primary Care (DPC) Membership: Personalized Preventative and Primary Care
DPC focuses on accessible, affordable, and personalized primary healthcare services. Benefits include:
- Affordable and Transparent Pricing: Patients pay a fixed monthly fee for unlimited visits, eliminating co-pays and unexpected bills.
- Strong Doctor-Patient Relationship: DPC practices often have fewer patients, allowing for longer appointments and better communication.
- Emphasis on Prevention: Regular checkups, wellness plans, and proactive management of chronic conditions reduce the need for expensive treatments later.
- Convenience: Same-day or next-day appointments, 24/7 access to care, and telemedicine options are common.
However, DPC typically doesn't cover:
- Emergency care
- Hospitalizations
- Major surgeries
- Catastrophic events
2. Medical Cost Sharing (MCS): Protection for High-Cost Events
MCS programs are designed to share costs for significant medical expenses among members, providing financial peace of mind for unexpected, high-cost events. Benefits include:
- Cost Sharing for Catastrophic Events: Covers hospitalizations, surgeries, ER visits, and expensive specialist care.
- Lower Costs Compared to Traditional Insurance: Monthly contributions are often more affordable than insurance premiums.
- Customizable Coverage: Many plans allow you to choose your preferred level of cost-sharing responsibility.
- Nationwide Access: Members typically aren't restricted by insurance networks.
3. Why the Combination is Ideal
The synergy of DPC and MCS creates a holistic healthcare solution:
- Comprehensive Coverage: DPC manages routine care and chronic conditions, while MCS safeguards against unpredictable, high-cost medical needs.
- Cost Efficiency: The predictable monthly cost of DPC and the lower contributions of MCS can be significantly cheaper than traditional insurance premiums and co-pays.
- No Gaps in Care: DPC provides continuity of care and a first line of defense, while MCS ensures major medical expenses don't become financially overwhelming.
- Patient Empowerment: Patients maintain control over their healthcare decisions, with fewer restrictions and bureaucratic barriers compared to traditional insurance plans.
Example
A family with both DPC and MCS membership can:
- Use DPC for: Routine checkups, minor illnesses, management of chronic conditions, and preventive care.
- Rely on MCS for: Costs associated with childbirth, cancer treatments, surgeries, or emergencies like a car accident.
This partnership allows for quality, affordable healthcare that adapts to both everyday and extraordinary needs.
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We love to help our members save money on health care costs! Text or call us with questions and to see how we can save you money today!
Maverick Health Benefits
Phone: 573-509-0700
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