PHIERS.org
⚕️ T E L E C A R E ⚕️

THE SYSTEM IS RIGGED.
THE FIX IS SIMPLE.

Built for the people who've been paying too much for too little — for far too long.

80% everyday care · 20% catastrophic protection

The system is built wrong. The fix is simple.


⚡ THE SYSTEM IS RIGGED. THE FIX IS SIMPLE.

People are paying $10,000+ a year for health insurance they can't even use.

Here's what that looks like in real life:

❌ Deductibles so high they might as well not exist
❌ Copays that punish people for getting help
❌ Networks that shrink every year
❌ Bills that show up months later
❌ Denied claims
❌ Endless paperwork

A system designed to delay, deny, and exhaust people until they give up.

People are angry — and they're right to be.
The system is failing families, workers, students, elders, and small businesses.

This system wasn't built for you.
It was built to protect profits.

TeleCARE is the alternative.


Nothing changes until ignoring people costs more than responding to them.
PHIERS is how we raise that cost.


🚫 CLARITY

What TeleCARE Is Not

To avoid confusion, here's what TeleCARE is not:

Not insuranceNot a government programNot a pilotNot a new bureaucracyNot a replacement for hospitalsNot a telehealth company

TeleCARE is the care layer people should've had all along.


📊 80/20 TRUTH

The 80/20 Truth About Healthcare

Here's the part insurance companies don't want people to understand:

80% of healthcare is simple, predictable, and telehealth-ready.
80% of insured Americans never use hospitalization or specialty care.

This is the care people actually need most of the time:

✓ Primary care
✓ Urgent care
✓ Mental health
✓ Chronic care
✓ Prescriptions
✓ Preventive care
✓ Dental & vision
✓ Care navigation

This is the 80% — the part that should be easy and affordable.

The remaining 20% is different — rare, but expensive:

→ Hospitalizations→ Surgeries→ Specialists→ Emergency trauma→ Advanced imaging

⚠️ THE PROBLEM

The Problem

Insurance bundles the 80% and the 20% together…
…and charges people $10,000+ a year for the whole thing.

Even though most people never use the expensive part.

You're paying $10,000 a year for protection you rarely use — instead of $600 for care you need every day.

That's why:

→ Care gets delayed→ Problems get worse→ ER visits go up→ Costs explode

The system is working exactly as designed — just not for you.


🔧 THE SIMPLE FIX

The Simple Fix

The solution is straightforward:

Separate everyday care from catastrophic protection.

TeleCARE handles the 80%
Insurance handles the 20%

Telehealth delivers 80% of healthcare at a fraction of the cost — roughly 1/14th.

That's it.


🏥 WHAT TeleCARE IS

What TeleCARE Is

TeleCARE is a statewide, open telehealth network that delivers the care most people need — without the insurance middlemen.

Here's what TeleCARE includes:

Primary care
Urgent care
Mental health
Chronic care
Prescriptions
Dental & vision
Preventive care
Care navigation

And here's what it costs:
~$600 per year — not $10,000+.

No claims
No networks
No prior authorization
Just care.


🛡️ WHAT INSURANCE BECOMES

What Insurance Becomes

Insurance goes back to what it was always meant to be:

Protection — not the front door.

It covers:

Rare — but necessary.


⚙️ THE 80/20 CARE ENGINE

The 80/20 Care Engine

TeleCARE handles the 80%.
Insurance handles the 20%.
TeleCARE generates the savings that make the 20% affordable.

This is how we finally make universal care possible.


💰 WHY THIS WORKS FINANCIALLY

Why This Works Financially

When TeleCARE handles everyday care, the entire system gets cheaper.

Here's what drops:

→ ER visits→ Hospitalizations→ Readmissions→ Insurance claims→ Premiums→ Medicaid costs→ Medicare costs→ ACA subsidies

And here's what stabilizes:

Healthy people cost less.
Simple systems scale.

Telehealth shrinks the cost of the entire system.
Insurance protects against the worst events.

Together, they create a system that is:

Affordable80% cost reduction + cascading savings
ScalableWorks for 234 million Americans
DefensibleMarket‑based, not government‑mandated
UniversalAccessible to everyone

🏦 WHY IT'S SO EXPENSIVE

Why the Current System Is So Expensive

Insurance companies profit when:

→ People avoid care→ People delay care→ People get confused→ Claims get denied→ Costs shift to patients

The system is working exactly as designed — just not for you.


🔄 FLIPS THE INCENTIVES

TeleCARE Flips the Incentives

TeleCARE is built for people, not profits.

We want:

→ People to get care early→ Problems solved before they escalate→ Stability, not crisis→ Access, not barriers

This is how care should work.


👥 WHO IT HELPS

Who TeleCARE Helps

TeleCARE is built for everyone who's been left behind:

Workers
Students
Parents
Elders
Veterans
Small business owners
Gig workers
People between jobs
People with insurance they can't afford to use

This is a system for all of us.


👩‍⚕️ SUPPORTS PROVIDERS

TeleCARE Supports Providers — It Doesn't Replace Them

TeleCARE is the backbone, not another telehealth app.

Here's what providers get:

→ More patients→ More stability→ Less admin burden→ Better coordination→ A shared system of record→ A statewide network

At scale, TeleCARE can even cover the monthly cost of care access.


🔗 ONE NETWORK

One Network. One System. One Entry Point.

TeleCARE connects the entire care ecosystem:

Clinics
Telehealth providers
Schools
Senior centers
Churches
Shelters
Food banks
Campuses
County programs

People can enter from anywhere.

One coordinated system instead of fragmentation.


⏰ WHY NOW

Why TeleCARE Matters Now

People are losing:

→ Care→ Housing→ Food→ Income→ Stability

Meanwhile:

TeleCARE creates the missing layer:


⚡ PHIER-POWERED

What Makes It PHIER‑Powered

TeleCARE is the care layer.
PHIERS is the power layer.

Together they add:

Care + stability + economic support — all connected.


📈 BUILT TO SCALE

Built to Scale

TeleCARE can be deployed:

StatewideCountywideCitywideCampus‑wideRegionallyNationally

Any system can adopt it.


🎯 IN ONE SENTENCE

The One‑Sentence Version

TeleCARE is the PHIER‑powered, people‑first care engine that delivers the 80% of healthcare people actually use for ~$600/year — while insurance covers the rare 20% — cutting costs, expanding access, and finally making universal care possible.


Congress could authorize this tomorrow.

They just haven't had to.

Once you separate care from catastrophe, the math becomes simple — and universal coverage becomes possible.

Sign the petition. Make them listen.

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