Health Sharing for Large Medical Expenses

Community support when you need it most.

When you face major expenses like hospitalizations, surgeries, or serious illnesses, eligible healthcare costs are shared by the community of members. This is the foundation of health sharing.

No network restrictions

Visit any licensed healthcare provider nationwide without referrals or network limitations.

Transparent process

Clear guidelines on what qualifies for sharing, with a straightforward submission process in the member portal.

You pay providers for care received, submit eligible expenses with documentation, and the community shares approved costs after your Initial Unshareable Amount.

Examples of eligible needs.

Inpatient hospital stays, surgical procedures, emergency room visits, diagnostic imaging, laboratory tests, and specialist care when they meet the membership guidelines.

Available on Care Plus, Direct, and Secure HSA.

Frequently asked questions

What is the Initial Unshareable Amount (IUA)?

The IUA is the amount you pay out-of-pocket per medical need before the community begins sharing your eligible expenses. Different memberships have different IUA levels, ranging from $1,250 to $5,000 per person.

How quickly are expenses shared?

Once your submission is reviewed and approved, sharing typically occurs within 45-60 days, or as little as 2 weeks. You can check the status of requests in your member portal.

Are there sharing maximums?

There are no lifetime or annual sharing maximums.

What if I need care for a pre-membership condition?

Pre-membership conditions have a 12-month waiting period before they become eligible for sharing.