🕊 END THE WAR / NO DRAFT
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.

The 80/20 Truth About Healthcare

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.


🚫 CLARITY

What TeleCARE Is Not

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

Not insurance
Not a government program
Not a pilot
Not a new bureaucracy
Not a replacement for hospitals
Not 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:

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

Here's the engine that makes the whole system work:

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:

    Affordable 80% cost reduction + cascading savings
    Scalable Works for 234 million Americans
    Defensible Market‑based, not government‑mandated
    Universal Accessible to everyone

    🏦 WHY IT'S SO EXPENSIVE

    Why the Current System Is So Expensive

    Insurance companies profit when:

    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:

    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:

    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:

    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:

    Statewide Countywide Citywide Campus‑wide Regionally Nationally

    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.