A Better Alternative

What is HCCR?

Healthcare Cost Revolution’s Pay-As-You-Go plan is a low-cost, viable alternative to healthcare insurance. HCCR works with healthcare providers in the Kansas City area to provide products and services at greatly reduced rates for our members. Our members are able to get healthcare at Medicare pricing, and fill their prescriptions either at the $4 generic pricing ($12 for 90-day supplies), or Medicaid pricing for any name-brand or generic prescription not found on the discounted list.

Healthcare Cost Revolution is NOT an insurance company. HCCR is not a supplement to or a replacement for healthcare insurance. We do not provide, sell or promote any type of healthcare or catastrophic care insurance. We do not require any medical background checks and we will never turn anyone away based on prior medical history.
We realize that catastrophic events can happen. However, it is our belief that catastrophic events are rare and often over-emphasized by healthcare insurance companies. While this current plan does not cover any aspects of catastrophic care, we are looking into new alternatives for this area as well.

What is included?

Most common types of healthcare provided at a doctor’s office are included in our discounted services agreement with our providers. This includes common exams, annual physicals, immunizations, x-rays, labs and many more. All contracted products and services as well as the discounted rates accepted by our providers can be found in the members’ area of our website.

Prescription drugs are also included in our plan. By presenting the HCCR membership card at our provider pharmacy locations, our members have access to the full list of $4 generic prescriptions or $12 for a 90-day supply. In addition, any gene ric drug not currently on the four dollar list, as well as name-brand drugs will be sold to HCCR members at the guaranteed price of Medicaid reimbursement for the prescription. So the price an HCCR member pays is the lowest price at which the drug will be sold, and our members don’t have to pay insurance premiums to get these prices.

Who should join?

HCCR realizes that our healthcare insurance alternative is not for everyone. Because we are not an insurance company, members must make payment for any healthcare they receive at the time services are provided or as arranged separately between them and our providers. Therefore, HCCR works best for two groups of people.

Uninsured:
It is estimated that there are over 400,000 people in the Kansas City area presently without health insurance. Out of those 400,000, approximately 320,000 have jobs but still cannot afford monthly healthcare insurance premiums. These individuals are forced to either forgo healthcare when they need it or pay the extremely high prices charged by most providers. With an HCCR membership, those without insurance can get much needed healthcare at a fraction of the cost they would normally have to pay.

Healthy Individuals:
Many healthy individuals pay hundreds of dollars every month to insurance companies and rarely get anything in return. Since they are in good health, they only see a doctor once or twice a year for checkups or they may only need basic prescription coverage. With an HCCR membership, healthy individuals are able to save the money they would normally spend on healthcare premiums and only pay for the minimal care they require at greatly reduced rates.

How much does it cost?

An HCCR membership costs only $30 per year. This thirty-dollar annual membership gives our members access to our pre-negotiated, Medicare and Medicaid rates for our growing list of healthcare providers. Not only is our membership a low-cost alternative, but members often see a savings multiple of their membership fee on the very first use.

For example, assume an insured person is paying $150 per month premium plus a $25 co-pay at the doctor’s office. If they visit the doctor once per year, their total costs for one doctor’s visit would be $1,825, or $912 per visit if they see a doctor twice. While the HCCR program does not presently cover catastrophic events, the money you save can easily be placed into a medical savings account for use should a highly unlikely catastrophic event occur.

However, assuming an HCCR member visits the doctor one time per year, and assuming the HCCR contracted rate for the same provider is $75 per visit. The HCCR member would have spent only $105 for the year on healthcare and membership fees! That’s a savings of approximately $1,720!

If an uninsured person were to get care at the same provider, they would be forced to pay the provider’s highest price of approximately $150 per visit. If this individual would have been an HCCR member, their total would again be $105 which is a savings of $45! As you can see, an HCCR membership can pay for itself very quickly!

In order to protect our members’ financial transactions, all membership fees are paid via the secured payment processor PayPal.com. PayPal is one of the most trusted names in online sales around the world. For more information about PayPal, visit their website at http://PayPal.com.

Get Started Today

Healthcare Cost Revolution helps you save your hard earned money by providing access to discounted healthcare products and services from our local providers for only $30 per year.

Stop throwing your money down the drain and start saving today with HCCR!