WE NEED YOUR SUPPORT!

Your contributions are vital to the success of our vision to change the course of health care for YOU and future generations to come!

LifeCore is building a legacy of health…not by building better health but by building a better system for obtaining health.  Busy people try to make better health; productive people develop better systems for making health attainable.

Why LifeCore

The Founder’s Story In His Own Words

Read The Founders Story

The Founder’s Story in His Own Words

I grew up as a Midwest farm boy in a family that knows all too well how health can affect day-to-day life. We had more than our fair share of challenges. I watched my family struggle physically, emotionally and financially. I learned about health and the many challenges it can bring in a way that many don’t understand until it happens to them. It changed me; it motivated me to want to make a difference. I became determined to use my life experiences to re-engineer health care so that others don’t have to go through the same kind of pain and suffering that my family went through.

It began with my mother. She was born with rickets, a condition in which the bones fail to absorb calcium. They become softened and weak; leading to skeletal deformities, muscle weakness and pain in the spine, hips and legs.

In her early childhood, she received an overdose of calcium prescribed by her doctor to help correct the issue. Unfortunately, she went into kidney failure and lost both kidneys. At age 25 she had her second kidney transplant. I was only 3 years old.

She continued to face health challenges as a result of rickets and subsequently endured 35 more surgeries. There was one particular surgery that struck a chord.

Since childhood, her legs were bowed and unequal in length. It wasn’t until her early fifties and prior to receiving a knee replacement that she was finally able to have leg surgery for a second time to correct the deformities.

I stopped by the hospital later that day. My dad was down at the cafeteria so it was just my mom and me. I asked her how she was doing. She became teary eyed and all I could think at the moment was “Now what? “What went wrong?” Hasn’t she suffered enough? As I walked closer she pulled the sheet from her legs and said, “My legs are straight!” Her tears where of pure joy! For the first time in her life, at 50, her legs where straight and equal in length.

As I left the hospital I thought about how most of us take our health for granted. How selfish we must be to not appreciate the simple things, like having straight legs or being able to walk.

At the age of 32 my father found himself being the primary caretaker and provider  for our family.  Growing up on the farm he worked hard and later in life worked a second job in construction to support our family. Unfortunately, my father like many young adults felt invincible and was burning the candle at both ends. His attitude and impatience caused

him to rupture his back while lifting a portable welder. He endured 3 surgeries, which rendered his condition worse over time and was never able to return to work. In his early fifties, he suffered a major heart attack. It was out of sight, out of mind. He was not obese, nor a smoker, had an occasional drink, was about 10 lbs. over a healthy weight and his eating habits were nothing that would make a dietician jealous. Most of my uncles had heart disease or died as a result; it’s common on my father’s side.

Then there was me. I became interested in health at an early age. As a teenager, I found a sense of accomplishment in weight training thanks to high school PE. It was that one place where I had control of how hard I worked and could influence my health in a proactive way. Like many young men, I appreciated the physical change but within a few years it was the mental health and self-confidence that became the primary benefit and motivator. I then began referring to the physical change as a side effect, avoided cafeteria food for meal shakes and was determined to live my life in a way that would keep me healthy.

As an adult, I landed a career in the insurance industry focused on employer benefit programs. It only took a few years to realize that many insurance claims were self-induced by the employee. In many cases, the injuries and illnesses could have been avoided or improved through personal choice and effort.

I began to ask, “Why aren’t these employees applying wellness principles to avoid unnecessary pain and suffering?”

To answer this question, I began to reflect upon my family. My mother was born with a health condition that was no fault of her own; my father’s injury was self-induced and I was a young, healthy individual putting forth effort every day to influence my health.

I wondered, “How do you create a system that can accommodate individuals with a variety of different abilities and needs based upon their own circumstance? The answer came from my mother. It was her attitude, determination and effort to focus on what she could influence so her condition would not become worse. This became the essence of LifeCore.

I remember coming home from school every day and going swimming with my mother because it was the only kind of low impact exercise she could do. This powerful insight showed me that regardless of your health status you can always put forth effort to influence your health moving forward and make a difference.

Over the years my mother incorporated natural approaches to care such as acupuncture, massage and stretch therapy. This has helped significantly as age and transplant medications take their toll. Unfortunately, they have been limited in affordability and options.

“What if she would have had access to these options years ago? Would it have helped to improve her health outcomes? Why doesn’t her insurance support this kind of proactive care?

Reflecting back on my father’s situation of a self-induced injury and heart disease, I asked:

“What if there was a system that provided access to education, application, and guidance on prevention. Simple things like core strengthening or lifting with your legs; things that could have prevented his injury?

Would my father have changed his ways if the cost of his insurance was determined by his effort to avoid that health risk?

Today, I’m young, healthy and put forth effort every day to help reduce my risk of incurring injury or suffering from heart disease like my father and his family. I am the first generation to live a completely different lifestyle focused on prevention and healthy living as a way of life.

As for the insurance component, I understood the concept of insurance and was happy to pay in and not collect, knowing that people like my mother benefited. I know the pain and suffering that comes with needing to use insurance because it usually means something unpleasant is happening.

Throughout my 20 years in the insurance industry, I continued to notice fewer employees being health conscious and as a result insurance premiums began to increase; employee populations soon divided. Overall, less employees were putting forth effort to influence their health and the health-conscious employees who were putting forth effort everyday continued to experience rising costs and there was nothing they could do about it.

I began to question employee benefits. It was not making sense. Why was a single employer making insurance decisions for all of their employees? How could they possibly know what each employee needed or wanted? Why weren’t more employees putting forth effort and why were those putting forth effort not experiencing reduced premiums or being rewarded for their efforts?

I learned that employee benefits were born out of World War 2 and the Stabilization Act of 1942. It no longer makes sense and is not applicable in today’s market.

I learned from my mother that when my father went to work for a homebuilder prior to her transplant that his employer was offering benefits to her and my father at no cost. At that time, my mother had a private Blue Cross and Blue Shield health plan that my parents paid for each month. Because she had worked briefly for an insurance company she knew that if she dropped the private health plan to be covered at no cost on the employer plan that she would likely never get private insurance again.

Despite being young and barely making ends meet they continued to pay the premium out of their own pocket. She still has that insurance today. Had they made a different decision and taken the employer plan at no cost to them, it is likely this story would be very different. My mother chose to keep her private insurance and it gave her access to the best care available and still does so today.

This reason alone is why employer based benefits do not benefit employees. The individual consumer, should be able decide what’s best for them.

Our attitude, determination and effort to focus on what we can influence is the one common dominator amongst all of us. The difference is whether we choose to make the effort or not.

My years as a child and as an adult have served as a lifetime of experience and understanding of health care. Not just from the business side but, more importantly, the human element. The emotional and financial affects can be difficult and I wish for no one to go through such pain and suffer. You have a choice; that is why I started LifeCore!

Our Vision, Mission & Living Values

Vision

Our vision is to establish a national platform for improving the health of our nation, reducing the ever-rising costs of healthcare and support healthy living as a way of life.

Mission

To provide a health care ecosystem built upon personal accountability, affordable insurance benefits, a network of wellness providers and strong financial incentives for those being proactive and engaging in healthy behaviors.

Living Values

Customers: Helping customers achieve their goals is the key to our long-term success. We must listen to what they tell us, respond rapidly by delivering new and constantly improving products and services, and build relationships based on trust, respect and mutual understanding. We will always back up our products and services with unparalleled service and support.

Innovation: In an industry where ideas are always changing, innovation is critical to our competitiveness. Our long-term approach to research and development, combined with our constant efforts to anticipate customer needs, improve quality and reduce costs will enable us to deliver the best products and services.

Partners: Helping our partners succeed and grow their businesses with the best platforms, tools and support is central to our mission.

Integrity: Our managers and employees must always act with the utmost integrity, and be guided by what is ethical and right for our customers. We compete vigorously and fairly.

Employees: Our goal is for everyone in our company to develop a challenging career with opportunities for growth, competitive rewards and a balance between work and home life. In a fast-paced, competitive environment, this is a shared responsibility between our leadership and employees.

Entrepreneurial Culture: We want our employees to wake up every day with the passionate belief that their work is contributing to the evolution of healthier lifestyles, by making a real difference in the lives of millions of people. We will always preserve the lean, competitive and entrepreneurial culture that has enabled us to grow. We encourage our people to speak out, take calculated risks and challenge conventional wisdom.

Diversity: We are committed to encouraging diversity in the workplace, not only at our company but also within our industry. We will practice equal opportunity in all hiring and promotions, and will help to expand access to technology and employment opportunities throughout our industry.

How Will My Contributions Be Spent?

Your contribution will help support consumers’ overwhelming demand for a new kind of health care.  One that is simple, smart, affordable, allows YOU to choose what’s best for YOU and rewards YOU for YOUR efforts.  Your contributions will be spent on the following:

Consumer Experience

  • Provide you with on-going, up-to-date information about health
  • Engage additional resources to further educate and support you and your needs
  • Integrate tools and resources that empower you to make decisions that are right for you (i.e. HSA, HRA, financial and business advisors)

Legal & Licensing Fees

  • Legal counsel to ensure compliance in a highly regulated environment
  • Reserves to protect members against unpredictable and catastrophic claims
  • Obtain insurance licenses so that we can provide you with policies that are compliant, affordable and can cross state lines 

Incorporate Advanced Technology

  • Expand our mobile applications for on-demand access
  • Integration of devices and data so you can track your efforts to be healthy and manage your own health care
  • Enhance our customer-relations management tools to better serve you

Network Expansion

  • Expand our network of health and wellness professionals focused on natural, alternative, and preventative approaches to health at the local, regional and national level.

Support Staff

  • Employ additional staff to serve your needs and help you when you need it most

Marketing and Social Media

  • Expand our marketing and social media efforts to engage more Partners and Members on a national level

Build a Legacy

  • Provide a healthy and strong financial foundation for generations to come

Thank you for your generous support!

*Contributions of $50 – select one gift (t-shirt or satchel)
*Contributions of $100 or more – select two gifts
*Include your email upon submission of contribution to select your appreciation gift(s)
*Please allow 30 days to process your selection
*We will not sell or rent your personal information to marketers or third parties.

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Accident Insurance

 

What it is

Injury prone? Weekend warrior? Accident insurance can pay a benefit directly to you. It can offset the high cost of co-pays, deductibles and other expenses your medical insurance doesn't cover.

 

What it covers

From an ambulance ride to a fractured arm to a stay in the hospital, the plan you sign up for could cover a multitude of scenarios, such as broken bones, dental work, hospital admission and transportation.

 

What it costs

The price will vary depending on the plan; however, protecting yourself may cost as little as a couple of cups of coffee a week.

 

What it will pay

The benefit paid out will be based on the covered injury or related services. Your plan will have a set payment for each injury or related service. For example, if an accident occurred and you needed to take a trip to the hospital, your benefit includes a set lump-sum amount for an ambulance ride, emergency room visit and the hospital stay.

 

What it may exclude

It will be clear in the policy what is not covered by your benefit. For example, if you are injured as the result of certain dangerous activities, you most likely wouldn't be eligible to receive a benefit.

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Cancer

 

What it is

Cancer insurance pays benefits to help pay for some of the direct medical and indirect non-medical costs related to cancer diagnosis and treatment. It can help pay for expenses that your health plan isn't designed to cover, such as deductibles, coinsurance, and travel to and from cancer treatment centers. Most plans offer family options to help protect your spouse or children, as well.

 

What it covers

Plans usually provide benefits for certain medical procedures, such as radiation/chemotherapy, anti-nausea medication and experimental treatment. Additional coverage may be available to purchase in the form of riders. Benefits can be used to cover a variety of expenses, including things such as rehabilitation costs, wellness insurance co-pays and deductibles, experimental and/or optional medicine, out-of-network expenses, travel and child-care costs, or simply helping to replace a portion of lost income. It also provides coverage for a set group of cancer screening tests, such as Pap smear, mammography, PSA (blood test for prostate cancer) and colonoscopy.

 

What it costs

The exact price will vary depending on your coverage decisions and it may be more affordable than you think.

 

What it will pay

The benefit amount paid out will be determined by the policy. Your plan will list the payment amount for each covered procedure.

 

What it may exclude

Your policy will specify any exclusions.

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Critical Illness

 

What it is

Critical illness insurance offers you a lump-sum benefit when you are initially diagnosed with a serious condition. Certain plans also include options for extended benefits for cancer treatment. It can help pay for expenses that your health plan isn't designed to cover. Most plans offer family options to help protect your spouse or children, as well.

 

What it covers

Plans usually provide coverage for a set group of illnesses, such as cancer, a heart attack or stroke. The benefit can be used to cover a variety of expenses, including things such as rehabilitation costs, wellness insurance co-pays and deductibles, experimental and/or optional medicine, out-of-network expenses, child care costs, or simply helping to replace a portion of lost income.

 

What it costs

The price will vary depending on your age, current health condition, and the amount of insurance you purchase. The earlier you purchase the insurance, the lower it will cost. On average, your weekly cost could be as little as $3.

 

What it will pay

The lump-sum amount paid out will be determined by the policy. Your plan should list the payment amount for each condition covered.

 

What it may exclude

Your policy will specify any exclusions. However, an example of when you would be excluded from receiving the benefit would be if the illness was the result of participating in an illegal activity.

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Disability

 

What it is

Disability insurance is protection for the thing that matters most—your ability to earn an income. Sometimes referred to as income protection, this insurance can replace a portion of your income if you are unable to work for a few weeks or months because of an illness, injury or childbirth.

 

What it covers

Disability coverage may replace anywhere from 40%-70% of your income, depending on the plan you select. From maternity leave to a back injury or recovery time from a serious illness, disability benefits protect you through a range of different life events. The length of time the benefit covers will vary by policy, so make sure you get the full details when signing up.

 

What it costs

The exact price will vary depending on your age, salary and coverage decisions, but it may be more affordable than you think. And, the earlier you purchase insurance, the lower the cost.

 

What it will pay

The amount you receive will depend on your policy; however, a typical plan will pay you approximately 60% of your monthly salary.

 

What it may exclude

Your coverage may exclude particular conditions, or exclusions may apply if the definition of disability is not met as noted in your policy. Your policy will specify all exclusions.

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Hospital Confinement

 

What it is

Hospital Confinement Indemnity Insurance can help fill the gaps when you have unexpected health care expenses. With medical costs on the rise, you may be faced with having to pay more for things that your health insurance won't cover.

 

What it covers

This type of insurance can help cover the cost of your deductible, coinsurance, and other out-of-pocket medical expenses.

 

What it costs

The exact cost will vary based on your age and the benefits you select.

 

What it will pay

Hospital Confinement Indemnity Insurance may provide benefits for medical expenses as the result of hospital stays, surgical procedures, diagnostic procedures, health screenings, doctor visits and emergency room visits.

 

What it may exclude

 

Your coverage may exclude pre-existing conditions, specifically named injuries or sicknesses, and conditions that arise from a prohibited act. Check your policy for all of the specific exclusions and limitations.

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Vision

 

Plan Focus® Vision $180/$180

 

Vision network provided by:

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To find a VSP provider nearest you please visit VSP.com for the most recent provider list.

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Telehealth

 

Who are the doctors?

 

We use a physician networks throughout the United States. Our network includes practicing primary care, pediatrics, family, and emergency medicine physicians. All of our doctors are licensed in the state where patients are located and have incorporated telehealth into their practice to provide convenient access to quality care.

 

When to use Telehealth

 

·       For non-emergency medical issues and questions

·       During or after normal business hours, nights, weekends and holidays

·       You live a significant distance from your primary care physician

·       Your primary care physician is not available

·       If you need a prescription or emergency refills*

·       Traveling and need medical care

·       24/7 and unlimited access to US-based, licensed physicians via phone, video chat, or email.

 

What if I need a prescription?

 

The physician network has the ability to diagnose a prescribe medications to the discretion of the doctor. With over 60,000 pharmacies available, your prescriptions are sent to your pharmacy of choice as soon as your consultation is over*.

 

* IMPORTANT: physicians will not issue prescriptions for substances controlled by the DEA, for non-therapeutic use, and/or those which may be harmful (potential for abuse or addiction).

 

Monthly Rates

Individual $9.00

Individual + Spouse $9.00

Individual + Child(ren)$9.00

Individual + Family$9.00

 

Telehealth network provided by: hy

 

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