Frequently Asked Questions (FAQ)

Why should I join the FMMA?

FMMA members include both the buyers and sellers of healthcare goods and services, connecting free market minded providers with individual patients and self-funded employers who have embraced transparency in healthcare. The FMMA seeks to promote the free market movement in healthcare all over the United States to affect real change for everyone involved. The Free Market Medical Association is a non-partisan association that provides resources, support, and education to the membership, and to the public, about the free market movement in Healthcare. The FMMA helps defend and expand the practice of free market medicine against the interference and intrusion of the government and other third parties; and educates physicians, self- funded businesses, third party administrators, and other health care service providers/facilitators in how to further the movement. 

In addition, members can network and exchange ideas and solutions at the local chapter meetings and the annual conference; reach self-funded employers nationwide through advertising in Free Market Healthcare Solutions magazine and USHealthMedia.com; submit articles for publication in Free Market Healthcare Solutions magazine; post transparent pricing online to the ShopHealth search tool;

How can I advertise with Free Market Healthcare Solutions?

Click here (link to advertising info)

What is a DPC?

Direct Primary Care (DPC) is an alternative payment & practice model for primary care services. DPC physicians offer services for a flat monthly rate instead of a traditional fee for service arrangement. DPC physicians do not file insurance claims or receive compensation of any kind from traditional insurance companies.

What is a self-funded (self-insured) plan?

A plan in which the employer assumes the financial risk for providing health care benefits to its employees. In practical terms, self- insured employers pay for claims from general assets as they are presented instead of paying a pre-determined premium to an insurance carrier for a fully-insured plan. Unless exempted, such plans create rights and obligations under ERISA. Typically, self- funded employers purchase stop loss insurance to guard against catastrophic claims. 

How does Self-Funding work and what are the benefits?

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What is a TPA?

A company that processes claims and helps manage an employer’s self-funded plan. Responsibilities include maintaining eligibility, adjudicating and paying claims, client and provider customer service, utilization management, etc. It also provides services such as arranging for stop loss coverage, provider network access, a pharmacy benefit management company, case management and assisting with employee education. There are three types of TPAs, independent, ASO (carrier owned), and a hybrid of two (an independent who utilizes carrier networks). The type of TPA an employer hires drastically impacts their interactions with a provider.