Your Money, Your Health, Your Choice

Accede Case studies

• Case One - Parents Plan for Future Health Care

  Emma's parents are both working professionals who want the best future possible for their child. They have started educational investments for her college. They also worry about what health care will be like in her future. Will she have trouble? Will she be able to afford the best care? This is why they are excited to fund an Accede Child Trust. Shortly after Emma's birth, her parents start her health trust. They contribute $200 per month. Since they cover Emma's health costs with their family trust, Emma's child trust is left to grow.

  At age 25 when Emma finishes school and starts her own career her trust is valued over $176,000. Her potential employers also benefit due to the fact that her vested health trust means they do not have to fund much additional health care for her.

  Emma goes through life as an average health care consumer. She has general good health and she takes very good care of herself. Knowing that maintaining good health will benefit her financially, she keeps up on wellness visits and enjoys lifelong habits of exercise and healthy eating.

  At age 55 with little additional monthly investment to her Accede trust, the gift of health her parents started is now worth $2.3 million. She has enough to shift some to take an early retirement and arranges to pass on the rest to her own children. All because her parents had the vision to start a legacy of health care coverage for their family.

• Case Two - Average Healthy Life

  Alice Smith is a successful young 28 year old attorney in Philadelphia making $90,000 per year. Alice is active in sports, exercises regularly and has a solid history and heritage of good health and long life. She eats well and does not smoke. Alice enrolls in an Accede Personal Trust and contributes $250 per month into the fund. Her firm has agreed to match her contribution giving her $500 monthly into her trust.

  Over the first five years while at the firm, Alice’s health is excellent. She spends less than $200 per year on health and wellness expenses. Markets are good and during this time her health investment has grown to a value of over $35,000. At this point Alice and her husband decide to move to Boston and she decides to take a hiatus from work in order to have a child. She negotiates, with the help of her Accede consumer rep, an up front cash price with a certified midwife and OB team to deliver the baby for a cost of $7000. The delivery is healthy and there are no complications.

  At this point Alice and her husband combine their two personal trust accounts to form a joint family trust. Her husband has not been contributing as long as Alice and after the birth the value of the Family Trust is $40,000. Alice and her husband contribute $400 monthly into the trust while employers contribute $1000 per month. After ten years with the birth of another healthy child and normal medical expenses for a healthy family, including an emergency appendectomy and broken arm for the oldest child, Alice and her husband’s Family Trust has grown to a value over $250,000.

  Then at age 60 Alice receives terrible news as a lump in her breast is diagnosed as cancer. However, with a health trust valued at over one million dollars, the $350,000 cost for breakthrough treatments is easily paid in advance. The treatment is successful and Alice fully recovers. When her husband retires they have $950,000 in their Accede Family Trust. An additional $250,000 is spent on the best treatments and medications for the aging couple as well as some well-earned wellness trips to Accede Resorts around the world. When they both finally pass away, their two children each inherit over $350,000 into their own Accede trusts.

• Case Three - Unfortunate Health Expenses

  Steve Jones graduates from the University of Michigan School of Art and Design and takes a position as a graphic designer in Ann Arbor with a salary of $45,000. The creative firm could not afford to pay for employee health benefits until they recently found the Accede Small Business Trust. Through this plan his firm has planned to invest $250 per month into Steve’s own health account and Steve adds $150 per month to create an Accede Personal Trust.

  After six months, Steve breaks his arm while mountain biking. The cost of imaging and setting his arm in the emergency room is $1,500. After another year, Steve needs oral surgery at a negotiated cost of $4,000. This again exhausts the balance of his Accede account. Then only two months later Steve is involved in an auto accident and costs of emergency transport, surgery and treatment total $23,000. Steve applies for and receives an Accede Loan to pay for the services. Now of his $400 monthly investment, $200 of that goes to pay for the loan while the remainder goes into his trust.

  After recovering from his accident for two years, Steve moves to Portland, Oregon to take a position as the Art Director of a small advertising firm. With a higher salary, he increases his monthly health investment to $700 to help pay off his loan and build his Personal Trust. After ten years of other unexpected health issues, Steve has paid off his Accede loan, but his Trust has a value of only $25,000. Another cost of $150,000 comes up for necessary heart surgery after an acute attack. Despite his low trust value, Steve is a priority candidate for an Accede Intensive Care grant due to his medical need and his years of steady investment. Steve is flown to an Accede owned hospital where he receives the surgery at a lower cost from Accede's world renowned cardiac team. This allows him to receive the best care and to retain his trust value and continue building it up.

  After a tumultuous health history Steve retires at age 65 with little money left in his Personal Trust. Yet, he has received the best health care available. Having invested into his Accede Trust throughout his professional career, Steve qualifies for lifetime care benefits and retains full access to the large Accede network of service partners and benefits.

• Case Four - Small Business Owner Offers True Health benefit

  Richard Stone has spent the past ten years building up a successful environmental firm. With good management Stone Environmental has grown to 85 professional employees. As the CEO, Richard has struggled with the rising costs of health care premiums as he and his financial officer try to maintain fiscal viability and profitability and still offer competitive benefits to valuable and trusted employees.

  Then Richard discovers the new Accede model. Realizing the potential, Richard develops an Accede Business Trust and employee accounts. He funds each employee account at $500 per month and puts an additional $500 per employee each month into the Business Trust. This is still a savings over the rising cost of competitive health insurance premiums he was trying to maintain. However, now the money is being invested directly into his employees and into his own business and not given away to insurance.

  In ten years of continued growth, Stone Environmental grows to 150 employees. Richard notes that the employees who have stayed with the firm now have personal health trusts valued at an average of $95,000 each. The Stone Environmental Business Health Trust has grown to a value in excess of $10,000,000. The annual gains from the trust are now paying most of the monthly benefit to the employees. This has reduced the firm’s annual health output to a minimum as well as created a company asset of significant value.

  When the young daughter of one of Richard’s long time employees needs a heart transplant Richard is able to work with Accede representatives to provide a portion of the cost from his Business Trust. Added to an Accede Intensive Care grant, the new cutting edge medical procedure is paid for entirely up front. At the company holiday party that year the employee expresses tearful gratitude to work for a company that has the ability and means to provide such a health service to her daughter. At that moment, Richard knows that he made the right health investment choice for his employees.

Emma's future

Emma has parents who are preparing now to enable her with the very best in health care coverage in the future. This foresight will pay off with Emma having a vested trust and access to the best care money can buy when she gradutates college and heads into her career.

Alice prepares

Alice is a young professional who is not putting her trust in insurance companies to tell her what care she can receive. She is going to keep her money and her ability to make her own health care decisions.