Get Protection from large medical costs and unlimited virtual access for complete peace of mind.
Access to your vital health information anytime, anywhere, securely stored and easily shareable in emergencies
Medical Cost Sharing consists of a large community of health-conscious individuals who voluntarily contribute a monthly share amount towards each other's healthcare expenses.
Members make regular monthly payments, which fund the shared pool for medical expenses.
When you incur a medical expense, you are only responsible for your chosen Initial Unshareable Amount (IUA).
Submit your medical bills. Once your IUA is met, the community shares 100% of the remaining eligible medical expenses.
*Read sharing guidelines to determine eligible expenses.
IUA Example
You can choose from different IUA amounts to fit your needs. For example:
Joe broke his arm. He had selected a $500 Initial Unshareable Amount (IUA). This means he’s responsible for the first $500 of his medical bills; thereafter, the Medical Cost Sharing community shares 100% of the remaining costs.
ER Visit with Xray...................$2,500
Surgery........................................$20,000
Follow-up Doctor's Visit...$400
Physical Therapy..................$1,500
TOTAL MEDICAL COSTS....$24,400
Joe's Responsibility (IUA)...........$500
Shareable Eligible Expenses..........$23,900
Schedule and complete video or phone visits at home, build relationships with providers you choose, manage wellness and request referrals.
Access U.S.-based clinicians 24/7 for common conditions like cough, allergies, infections, and flu, including prescription refills.
Behavioral health visits at $0 after assessment, with flexible session extensions, plus counseling by Master’s-level clinicians and psychiatry services. *
Connect with licensed veterinarians for your pets and get prompt medical advice, treatment recommendation, prescriptions, and follow-ups.
* Behavioral Health: For treatment of acute conditions. An intake clinician will determine a baseline for the number of sessions pending assessment. Sessions can be extended at the providers discretion, with no annual limit of use. Complex Mental Health Conditions: For ongoing treatment of more serious conditions such as major depression, generalized anxiety, PTSD, etc., sessions with a licensed Ph.D.-level clinician are available for $100 per session. Psychiatry: Initial Intake Appointment: $205. Follow-Up/Maintenance Appointments: $100 per session.
Get in touch with your Healthcare Advisor today!
Disclaimer: This is not traditional insurance. It is a membership-based alternative healthcare solution. For complete information about Medical Cost Sharing—including eligibility requirements, participation guidelines, and limitations—please review the Medical Cost Sharing Guidelines and speak with your Healthcare Advisor.
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