ROC stands for Return Of Contribution. The ROC is one of Medical Cost Sharing’s most unique features. This concept is unheard of in the health care industry. What it means is this: after ten years of continuous membership minus any hospitalization or outpatient services, 100% of all remaining contribution will be refunded back to you. What does that mean to you? Lets take a look at a few different examples:
- Let’s say your monthly contribution is $362.00 per month. Over 10 years you paid in $43,440.00. Now let’s suppose the only funds used were when you had minor knee surgery and the total cost for that surgery was $8,000.00. Your refund would be $35,440.00!
- Let’s say you made the same contribution as above. However, this time you needed heart surgery and the total cost of the procedure was $250,000.00. Your refund would now be zero but your claim would be PAID IN FULL.
- Next, let’s look at a different scenario. Suppose your monthly contribution is $565.00 per month. Over 10 years you pay in $67,800.00 (This would be for yourself and your spouse). Now let’s assume that you and your spouse had no healthcare claims over that 10 year period. Your refund would be $67,800.00! What a smart way to save for college or retirement and be covered at the same time, and what a reward for healthy living?
Do any traditional health insurance plans reward you like this for your loyalty?
Do any traditional health insurance plans reward you like this for maintaining a healthy lifestyle?
Your money goes right back into their pockets… Something’s not right here.
As you can see, Medical Cost Sharing gives you great incentive to live a healthy lifestyle. At the same time, our plan gives you the assurance that your health care cost will be shared in the event you do have a need.
None of us know what our future healthcare needs will be. There are very few guarantees in life. But with Medical Cost Sharing’s ROC your healthcare investment works for you whether you have a claim or not.
Return on Contribution
The ROC is what separates MCS from all competitors in the market place today. You will have peace of mind knowing that MCS continues to bring new and innovative health care options to you. Now is the time to get signed up, start sharing health care cost with other Christians, and start saving today! You and your family deserve a bright future with the comfort of knowing the ROC is working for you.
– Your MCS Team