O’NA HealthCare: A new healthcare insurance option?

Found on: http://www.wheatbellyblog.com/2018/04/ona-healthcare-new-healthcare-insurance-option/

I was recently invited to speak at David Wolfe’s Longevity NOW conference in Anaheim, California, where I gave a talk entitled “Germs, Muscle, and Pac-Man: New Strategies for Turning the Clock Back 10 or 20 Years” detailing some new strategies for maintaining youthfulness and vigor. (It was a longevity conference, after all. I shall be posting a similar talk on our Undoctored Inner Circle website in the next few days.)

Of the 40-some vendor booths that were part of the conference, there was one that caught my eye: O’NA HealthCare. They claim to provide coverage for functional medicine care, integrative health practitioners, chiropractors, Eastern medicine, biological dental care, etc., while also providing conventional healthcare insurance coverage at a fraction of the cost of other healthcare insurers. Because I have been actively exploring ways for us to opt-out of the disaster that is modern healthcare and healthcare insurance, this got my attention.

Beyond covering alternative care, it got even more interesting. The representative at the booth told me that the company got its start on native American Indian territory as a healthcare cooperative/Native American Tribal Community, founded by the Elders of the United Cherokee Nation — Aniyvwiya. O’NA HealthCare is therefore not subject to the regulations of conventional healthcare insurance, regulations that typically add substantially to costs. Now, that’s interesting.

Comparing their (casual—I have not yet made formal application) premiums to the premiums I currently pay (for a healthy 60-year old male), I would cut my costs by about 55% (while maintaining the same deductible)—not bad. Too good to be true?

Among the features of O’NA HealthCare:

  • They cover alternative healthcare practitioners and treatments such as functional and integrative medicine, chiropractic, acupuncture, Reiki, essential oils and nutritional supplements (with some limitations on supplements)
  • 24/7 phone access to a nationwide network of several thousand healthcare professions is available
  • You are free to choose your healthcare providers, as there are no “in-network” or “out-of-network” limitations
  • Like other healthcare insurance, catastrophic coverage is included: emergency room visits, operations, imaging procedures like CT scans and MRIs, etc.
  • There are no co-pays
  • Available in all 50 states
  • Medical tourism is covered
  • 365 days-per-year open enrollment

Because there is a $5000 deductible for individuals, $10,000 for families of 3 or more, they also provide access to a health savings account (HSA) option that allows you to place money pre-tax that remains yours year-over-year (unlike a flex-spending account). You can also choose to use your own HSA plan.

Incredibly, the company reports that health insurance premiums have not increased since the company got started in 2014.

Has anyone had any experience with O’NA HealthCare? Unless I uncover something completely unexpected, I believe that I am going to apply and replace my current health insurance. I use virtually no conventional healthcare: I refuse to take statin drugs, blood pressure drugs, acid reflux drugs, submit to absurd physical exams and screening efforts, so the high-deductible (no change to me) does not scare me. And it encourages me to pursue the HSA option, something I have indeed been meaning to do. I hope this will acquaint me with the process, something that we should perhaps pursue for our Undoctored Inner Circle members via group enrollment.

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