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Tomorrow's Bread Today
Purpose
Purpose
Tomorrow’s Bread Today is committed to:
Love, Peace, Truth, Tolerance, and Cooperation,
Working and ministering within the local community in the service of others and especially the poor,
Performance of Corporal and Spiritual works of mercy within every community where we serve,
Commitment to the construction and operation of facilities and organizations necessary to serve the health care and shelter needs of members of local communities.
What we've done
What we've done
We are a 501c3 non-profit organization dedicated to doing the works of mercy and to building an economic system through cooperation between individuals and families in local communities.
We concentrate on basic areas of need and service: healthcare, housing, food, transportation, and recreation. We embrace the idea that economics should be small-scale, emanate from cooperative and peaceful people, and should extend to the whole community as if all people and nature matter.
We have been in existence since 1994 and have worked mostly on healthcare for patients and their physicians to make healthcare outcomes better and the cost of care affordable.
Consequently, we have programs in which the cost is 50% less than market rates and without pre-existing exclusions and available to both individuals and groups. We would like to build cooperatives in local communities that express the people’s economics we have discovered. We seek members who can help us grow cooperatives in local communities and who agree with our ideas and purposes.
Complete information about us is on this website. Please do not hesitate to email us if the goals we have stated are of interest to you and your family, friends, and neighbors.
Sponsored Health Care Program
Patient / Physician Cooperation
Patient / Physician Cooperation
In Complete Care PPC patients and physicians cooperate with each other to relieve pain and suffering while not wasting time or resources.
The Basic Membership in the Patient Association
TBT has gathered all of the ancillary resources available throughout the nation and made them economical and easily used by patients, their families, and their providers of care.
Laboratory tests from Quest Diagnostics at no copay, deductible, or coinsurance cost.
Prescription drugs through Majic Pill.
Dental, vision, hearing through Doc Wellbee at 50% to 70% discount in every State.
Telemedicine from Teladoc 24 hours a day 365 days a year from board certified physicians in every State with no copayment.
Legal defense from Schulte Law against balance billing claims by out-of-network hospitals and clinics.
Direct monthly payment plans with both primary care and specialist physicians.
Patient advocacy from Health Care Association TPA to find the right care at the right price for each patient.
The underlying insurance – stop loss is from Odyssey Re.
Remove the fear of major medical expenses by buying basic health care and stop loss insurance through TBT Association Health Plan with no pre-existing conditions exclusions at wholesale prices.
No group health plan in the United States competes with this program in benefits or cost.
Service Providers
Health Care Association TPA. The TPA offers association group health plans for employers and subscription health plans for individuals. They have a proven model of lowering health care costs by combining the advantages of telemedicine, a robust pharmacy program, and a growing network of physicians. They do this by fixed rate direct contracting and expanding relationships with additional provider networks.
Quest Diagnostics. An American clinical laboratory and Fortune 500 company, Quest operates in the United States, Puerto Rico, Mexico, and Brazil. Quest also maintains collaborative agreements with various hospitals and clinics across the globe.
Teladoc. Teladoc Health was founded on a simple, yet revolutionary idea: that everyone should have access to the best healthcare, anywhere in the world on their terms. Today, we’re delivering on our mission by providing whole-person virtual care that includes primary care, mental health, chronic condition management and more.
Schulte Law. Bret A. Schulte, J.D. graduated from Yale and Ohio State Moritz College of Law, has been in practice 22 years, specializes in real estate and health care law. His offices are in Houston, Texas.
TBT Patient Association
TBT provides the group health plans backed by a national association for inpatient and outpatient services.
TBT provides the $50K stop loss backed by an A Excellent A.M Best Rated national reinsurance provider.
Organization & Authority
Created in 1994, approved as a 501a tax exempt organization under section 501(c)(3) by the IRS.
Purpose
Does the works of mercy in health care with providers and volunteers by cooperation, labor, and prudent use of resources.
Management
Managed by trustees who are elected by members and officers appointed by trustees.
Trustees: Don McCormick, Ken McCormick, Bret Schulte, and Blair Korndorffer.
Officers: Don McCormick, CEO; Bret Schulte, Secretary-Treasurer; Tony McCormick, CIO.
Mission
Private national health care system that uses available service providers and organizes care to achieve better outcomes at lower cost.
Why TBT is an Association Health Plan (AHP)
“... there is an explicit safe harbor under which a substantial business purpose is considered to exist in cases where the group or association would be a viable entity even in the absence of sponsoring an employee benefit plan. TBT has been and continues to be the medical services business since 1994 without regard to health insurance benefit plans. Association rules state that business purposes are not required to be a for-profit purpose. Thus, for example, a bona fide group or association could offer other services to its members, such as convening conferences or offering classes or educational materials on business issues of interest to the association members and TBT has done and does those services. Depending on facts and circumstances, a bona fide group or association might be tax-exempt under Code section 501(a) as an organization described in Code section 501(c), with a purpose unrelated to the sponsorship of the AHP, if it meets all the requirements for exempt status, including furthering an exempt purpose. TBT has met that requirement since it was formed and was granted tax exempt status as a501a under code section 501(c) in 1996. A bona fide group or association could also act as a standard-setting organization that establishes business standards or practices. TBT does that in health care.”
Commonality of Interest within the TBT AHP
Member employers, large or small, are either medical care providers or companies or individuals that are volunteers as defined in the by-laws of TBT. Volunteers in TBT are self-employed members (2 or more people) to provide the labor and resources needed to achieve health education and care that is supportive of the direct care given by the professional providers.
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