Distributed Healthcare's architectural design rests on a universal essential floor (comprehensive across categories) plus an optional supplemental tier (Medigap analog). Payment is set centrally by AHQB. Long-term care, mental health, and SUD are integrated into the floor — categories that today face the largest coverage gaps in current US insurance.
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Universal Essential Floor
Comprehensive AHQB-calibrated coverage across all major categories — medical, dental, vision, hearing, mental health, long-term care. Premium-free from Day 1 of enrollment. Read component →
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Provider types and delivery mechanisms
Two independent dimensions: who delivers care (VHA, Kaiser-style integrated, Medicare-style community, private supplemental) and how care reaches Americans (in-person, telehealth, mobile, Centers of Excellence, pandemic surge, drug-traceback). Capabilities cut across all provider types. Read component →
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Optional Supplemental Tier
Genuinely elective above-floor coverage on guaranteed-issue + community-rating terms. Medigap analog. ~10–25% take-up. The presence of supplemental reflects preference diversity, not floor inadequacy. Read component →
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Payment design — capacity vs. fee-for-service
AHQB sets reimbursement centrally on objective indices. Capacity-based payment for rural and low-volume facilities; fee-for-service where volume sustains it. No provider-by-provider negotiation. Read component →
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Long-term care
Custodial LTC at qualifying need level included in the essential floor. Currently the largest unfunded liability for American households over 65 — floor inclusion changes household finance for a generation. Read component →
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Mental health and substance use disorder
Mental-health and SUD treatment integrated with primary care under the essential floor. Therapy, psychiatric care, medication, residential treatment — no distinct financial barriers. Read component →