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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Apply Code KHCALM100 at checkout to receive:

One free Month with Knew Health
One free Year with Calm
No annual Membership fee (Value: $300)
Two free health coaching sessions per year (Value: $180+)

Our members also receive:

35% Off Supplements
No Cost & Discounted Labs & Testing
Wellzyperks Membership
General Wellness Care Allowances
Medical Bill Negotiation

Cost Calculator

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How Does Medical Cost Sharing Work?

When Members join, they will select their Membership type, individual, with a spouse or child, or the entire family along with their desired Initial Unshareable Amount ($1000, $2500, or $5000). The 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 $1000 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 visits the ER. Once they tally their medical bills, their costs are $7000. Here’s what happens next:

Step 1: As these costs were due to an unexpected injury, this Member submits these costs online through the online Medical Cost Sharing Portal.

Step 2: The costs will first go through bill negotiation, 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 ($1000, in this example).

Step 4: The Member receives a check for $3000 from the Knew Health 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 $1000 vs the original $7000 estimated cost.

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