Health Care Expense Sharing
Protection from high unexpected health care costs
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Join a Community of Health-minded Individuals
Health Care Expense Sharing consists of a large community that voluntarily contributes a monthly share amount towards each other’s high health care expenses. Before the community can share in eligible health care costs, each member must pay their selected Initial Unshareable Amount.
Initial Unshareable Amount (IUA)
This is the personal responsibility of members when a medical Need arises.
All qualifying medical expenses
above the IUA are shared
%
by the sharing community
with No cap
3 Simple Responsibility Options
$1,000
IUA
$2,500
IUA
$5,000
IUA
Example of how this works
A Need arises when the expenses for a single accident or illness exceed the Initial Unshareable Amount.
Example:
Based on a $1,000 IUA
A member has a heart attack at home and is taken to the ER by ambulance. The patient spends 5 days in the hospital and receives EKG, surgery, and post-surgery physical therapy. The doctor prescribes medication for maintenance.
| Hospital Bill | $54,600 |
| Anesthesia and Surgery | $22,000 |
| Prescriptions (1st 120 days) | $425 |
| Ambulance to the Hospital | $725 |
| Follow-up Office Visits | $500 |
| Shared with Community | -$77,750 |
| Total Member Cost | $1,000 |
Highlights
No lifetime or annual caps on qualifying medical expenses
Empowers and promotes healthy living and lifestyle choices
Two-year lookback for pre-existing conditions
Share in medical costs for emergencies or acute care when on vacation or working outside the U.S.
Maternity Needs are shareable and treated as a medical Need
If a member dies after one year of uninterrupted membership, financial assistance will be provided to the surviving family
This is not Insurance!
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