Universal Health Coin is currently preparing for our Original Token Sale in March 2018

As a public benefit corporation, UHC is reinventing healthcare finance and payment for everyone utilizing blockchain technology and leveraging the explosive growth of cryptocurrency to arbitrage, decentralize and provide fair payment of health services worldwide.

Unless we put medical freedom into the Constitution the time will come when medicine will organize itself into an undercover dictatorship... All such laws are un-American and despotic.
Benjamin Rush Founding Father of the United States, physician, politician, social reformer, educator and humanitarian ― 1786
The new system should be fully consumer driven, empowering individuals to be the surveyors and purchasers of their care. Past reforms in this direction became stilted and ultimately incomplete, but the current moment offers a chance to truly rebuild from the ground up.
Scott Gottlieb, MD Commissioner-elect of the FDA ― 2016

Everyone is looking for a solution to our healthcare crisis.


As a public benefit corporation, UHC is an anonymous, token-based healthcare finance system that utilizes blockchain technology to arbitrage, decentralize, fund and provision the fair payment of health services worldwide by leveraging artificial intelligence across a distributed network exploiting the explosive growth of cryptocurrency as a store of value.


UHC calculates cash payments across a blockchain distributed-ledger-system based upon proprietary algorithms and artificial intelligence (AI) embedded within the system. Health services are validated as Health Care Events (HCE) and converted into Neo Blockchain (NEO), in real-time to pay the health service providers (HSP) through smart contracts covering the healthcare expenses of individuals using UHC. HSPs are paid at a Negotiated Cash Price (NCP) built into the blockchain smart contracts.

A UHC Wallet is created and funded through a system of monthly contributions by individuals to fund the payment of future health services. Wallets are pledges for future health service expenses. Wallets are debited as the system requires the contribution of anonymous members. Wallet and value of coins are tied to the price of NEO.

Due to the nature of UHC’s decentralized cash-based system coupled with the AI, as UHC evolves it is anticipated there will be a 45-55% reduction in health costs for UHC members.


There are two big problems in healthcare that UHC can address:

First, there exist no free market economics in healthcare.

Because healthcare is such a highly regulated business by both Federal and State governments, councils, and agencies, as well as controlled by employers and insurance companies who are only working in their own interest and not that of the individual patients nor health service providers, there exist no free market economics in healthcare. There is no true mandate by the patient as a would-be consumer to hold health service providers to improve the quality, nor cost, of their service. Additionally, there are little to no financial motivations for individuals to take personal responsibility or “buy-in” to manage their own health.

Second, there are too many middlemen.

These third-parties (payers, brokers, employers, insurers, governmental) suck needed funds away that could otherwise be designated to providing health services to people in need. Creating a health system that removes all unnecessary third-party administrators from the equation must be a primary goal of everyone working to solve the healthcare crisis.

We have never had such a prime contact to accomplish this goal like we do today.

For example, in the US alone:

  • We spend 19% of our total GDP or $3.5 Trillion on our healthcare every year – that is $10,375 per US Citizen;
  • We spend 15% or $500 Billion on administration and bureaucracy of healthcare;
  • We waste 25% or $875 Billion in duplicating services because doctors and hospitals don’t communicate well with each other; and
  • We spend billions of dollars trying to secure our health data from hackers that could otherwise go to health services.


Not only is there huge waste, but the inflation in costs of health services is outrageous.

PriceWaterhouseCoopers (PWC) illustrates in their latest report that costs have been shifting from employers and government plans to consumers, making them pay higher deductibles and co-pays, creating cash paying customer demand for lower cost and higher quality services. This demand and consumer realization of cost is what has led to slowed inflation of healthcare prices. However, PWC also points out that this model has run its course and they expect higher rates of inflation to return in healthcare.

The Affordable Care Act’s attempt to create efficiencies and financial stabilization through mandates of adopting information management technology and realigning some of the incentives for providers through “Value-based Care” were admirable. The problem is that it has been a COMPLETE FAILURE in execution as most all government lead programs and mandates do. UHC believes a financial change in the motivations of both the health service providers and the individual must be created to get people healthy and stay that way.

What better way than to do that than through the Wallet…


UHC is a solution that uses the innovative technology of blockchain and cryptocurrency to create a direct personal and financial relationship between the UHC member and their health service provider. UHC eliminates third party intermediaries who interfere in these relationships and waste up to 35% of current health care dollars that could otherwise go to pay for more effective health services.

The UHC healthcare finance system acts instantaneously through the workflow, shown on below, as there is no interference by third parties, it is automated, anonymous, and has the cost of administration and security built into the value of the healthcare dollar.

UHC re-establishes the trusted personal relationship between doctor and patient using its machine learning and artificial intelligence via the Universal Health Coin. The venture market recognizes the monumental change in healthcare; since January of this year [2017] 309 early-stage health tech companies have garnered $6.3 billion in funding; and, in the same period 892 early stage blockchain/cryptocurrency companies have been funded with $2.1 billion. By year-end, together these two sectors should close on over $12 Billion in new funding.

The timing is right for the Universal Health Coin; it’s revolutionary, disruptive and anonymous utilizing blockchain for the future of healthcare.


An individual joins UHC and pays their monthly contribution which is converted into Universal Health Coin.
The transaction is represented online as a block and UHC member identity is encrypted.
The block is transmitted to the UHC network.
The UHC network approves the transaction as valid.
The block is then added to the blockchain which provides an indelible and transparent record of the transaction.
The payment then moves into the member’s UHC wallet for storage & aggregating payment.
The UHC member goes to see a doctor or other health services provider.
The facility uses the UHC Card or Mobile App to acknowledge the member is present.
The UHC block validates the member is active and has available UHC.
Doctor sees the member and provides the health service.
Doctor updates the UHC block with the health status of the member and service notes from the visit.
UHC member data is encrypted in the block and transmitted to the UHC network.
The UHC network approves the transaction as valid.
The block is then added to the blockchain which provides an indelible and transparent record of the transaction.
The cash payment then moves from UHC into the Doctor’s payment system – this transaction is instantaneous.


Mission > Vision > Strategy



Founders meet and smash brains on how to solve healthcare finance and payment problems.

June, 2017

Solution Fit


Research leads to the adoption of blockchain & cryptocurrency as the technology to solve the crisis in healthcare finance and payment.

July, 2017

Founders Fit


Founders form Universal Health Coin as a Public Benefit Corporation and commitment to making the solution a reality.

August, 2017



Float ideas by close network of experts in healthcare, finance, blockchain and cryptocurrency.

Sept, 2017


Lean Startup

Product Fit


Founders begin recruiting advisory of diverse and industry experts, mentors and consultants.

Oct, 2017

Market Need


Idea is confirmed to use blockchain and develop a utility token to enhance the health cost sharing model from basic proven model to open market with scalability.

Oct, 2017

Market Need


White paper, executive summary, memorandum and website are published.

Nov, 2017


Scale Up

Market Fit


Launch of the private pre-sale of UHC, White List Opens, Public Pre-Sale and funding is acquired via pre-purchase discounts of UHC.

Dec, 2017

Business Model

Token Sale

Official Token Sale is launched to invite the world to become UHC members through the purchase of UHC on a monthly subscription basis.

March, 2018

Business Model


The Centralized Beta Testing of the UHC Health Cost Sharing Business Method is made available to select UHC members.

June, 2018

Full Deployment


The UHC system comes out of Beta and is fully decentralized and released to the network for worldwide access, scaling and adoption.

3QTR 2018
Co-founded by Courtney P. Jones and Dr. Gordon Jones (no family relations), both are successful entrepreneurs in their respective fields with the experience and broad network of experts and resources to launch an anonymous solution for Universal Health Care finance and payment through the blockchain and cryptocurrency realm.


Courtney P. Jones Chairman & CEO
Dr. Gordon Jones President & COO

Team Members

Nick Perez Chief Marketing Officer
Steve Hyduchak Token Sale Marketing
David Belk Graphic Designs

Expert Advisors

Richard Smith, PhD Crypto Analytics & AI
Tricia Nguyen, MD, MBA Health System Design
Nick van Terheyden, MD Digital Health Tech
Bithia Anderson, PharmD Health Economics
Tony Meggs Health Cost Sharing
David Wachman Token Sale PR

Expert Mentors

Richard Kersh Human Factors AI
Bert Davis, MD Specialty Medical
Bill Davey Fitness and Wellness
Jaana Simula Blockchain Solutions

Expert Consultants

Don Hoskyns Member Engagement
John Cates Legal and Capital
Aadli Abdul-Kareem Medical Interoperability
Jason Hervey Branding & Media

Strategic Collaborators


UHC is currently the only organization solely focused on solving the finance and payment problems in healthcare by utilizing blockchain and leveraging cryptocurrency to achieve fair payment for both consumers and health service providers. It takes a community of stakeholders from consumers to health services providers, programmers to marketers, to operators and tech partners to make our vision happen. We are hoping you all will join us!
Feel free to reach out to us for any reason and especially to:
  • Ask a UHC team member how we can help you with any question.
  • Participate in the Pre-sale or Original Token Sale.
  • Send your kudos and support for our work to reinvent healthcare finance and payment.
  • Join our team as a member or contractor.
Just make sure to detail your message so we can route it to the best person to serve you.