What is Medical Cost Sharing?

Medical Cost Sharing is an arrangement whereby Members agree to share medical expenses through an act of voluntary giving.

Unlike insurance, the focus of the Medical Cost Sharing membership is on how our Members help one another with their immediate needs, so they are never alone when it matters most.

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How Does Medical Cost Sharing Work?

When Members join, they will select their monthly contribution amount along with an Initial Unshareable Amount ($500, $1000, $1500, $2500, or $5000). Their monthly contribution goes towards sharing with the Community and an IUA is the amount that the Member will be responsible for in the event of an unexpected illness, injury, or pregnancy.

For example: A Member chooses the $500 Initial Unshareable Amount (IUA) when they sign up and they confirm their monthly contribution associated with that IUA. Each month, this Member shares their contribution with the Community. Then the Member has an accident and breaks their leg. Once they tally their medical bills, their costs are $5,500. Here’s what happens next:

Step 1: The Member submits these costs online through the online Medical Cost Sharing Portal — this takes an average of less than 5 minutes.

Step 2: Our team will negotiate the bill, reducing the total bill from $5,500 to $2,500 (we average over 53% reduction costs!)

Step 3: The Member is then responsible to pay their chosen IUA ($500, in this example).

Step 4: The Member receives a check for $2,000 from the Community to cover the remaining medical costs from this Need (a medical expense is referred to as a medical Need) and pays their bills.

The medical Need is resolved with the individual Member paying a total of $500 vs the original $5,500 estimated cost.