October 1, 2024 Guideline Updates

Updated Member Guidelines took effect on October 1, 2024.

Pre-Existing Conditions Limitations

A Pre-existing Condition is any illness or accident for which a person has been diagnosed, received medical treatment, been examined, taken medication, or had symptoms for 24 months prior to the Effective Date. Needs that result from a Pre-existing condition that existed prior to a Member’s Effective Date (known or producing observable symptoms) are only shareable if the condition appears to be fully cured and 24 months have passed without any symptoms (either benign or deleterious), treatment, or medication, even if the cause of the symptoms is unknown or misdiagnosed.

In the first year of Membership, pre-existing conditions have a waiting period and are not shareable yet. After the first year of continuous Membership, up to $25,000 can be shared with the community. After the second year of continuous Membership, up to $50,000 can be shared with the community. After the third year of continuous Membership and going forward, up to $125,000 can be shared with the community.

Pregnancy

Pregnancies with an estimated date of delivery within the first year of Membership are not shareable.

Cancellation Policy

A request by a member to Knew Health requesting that their membership be canceled. The request must include the reason for cancellation and the requested month in which the cancellation of the membership is to be effective. Knew Health requires 15 day notice prior to your payment draft date. Knew Health does not prorate cancellations or gift refunds. Cancellations become effective on the last day of your monthly billing anniversary following the timely receipt by Knew Health of your membership cancellation request.

HIPAA Disclosure Authorization

I hereby authorize both Knew Health and its affiliates, employees, and agents (collectively Knew Health) to receive my personal health information (e.g., information relating to the diagnosis, treatment, claims payment, and healthcare services provided or to be provided to me and that identify my name, address, social security number, and/or member ID number), for the purpose of helping me to resolve claims and health benefit coverage issues. I understand that any personal health information or other information released to the person or organization identified above may be subject to re-disclosure by such person/organization and may no longer be protected by applicable federal and state privacy laws.

This authorization is valid from the date of my acceptance on this application. I understand that I have a right to revoke this authorization by providing written notice to Knew Health. However, this authorization may not be revoked if Knew Health, or its employees or agents, have acted on this authorization prior to receiving my written notice.

I also understand that I have a right to a copy of this authorization. I further understand that this authorization is voluntary, and I may refuse to accept this authorization. If I refuse to accept this authorization, I agree that it is my responsibility to reach out to my providers and provide Knew Health with the requested information needed to determine eligibility for sharing, enrollment, payment for, or sharing of services. I understand that without all necessary information, Knew Health may not be able to determine sharing or enrollment eligibility.

Membership

I understand that Knew Health is not an insurance company and the Knew Health Membership is not issued or offered by an insurance company. Whether a sponsoring entity chooses to send monetary assistance to you and/or your family to help with your medical expenses will be totally voluntary and neither you nor Knew Health has any right to compel payment of medical cost sharing costs from any member. The Knew Health Membership is not and should never be considered to be or to be like a group insurance policy or individual insurance policy. Whether you receive any money for medical expenses, or whether or not this Membership continues to operate, you as the member will always remain liable for your unpaid medical expenses and do not have any legal right to seek reimbursement or indemnification for any such expenses from Knew Health or any other Member or sponsoring entity.

Knew Health is not an insurance company nor is the membership offered through an insurance company. Knew Health Membership does not satisfy state or federal requirements for healthcare coverage or minimum essential coverage.

This is not a legally binding agreement to reimburse or indemnify you for the medical expenses you incur, but is an opportunity for you to assist other Members in need, and when you are in need, to present your medical bills to other members and sponsoring entities as outlined in Member Guidelines. The financial assistance you may receive will come from other members’ monthly contributions and not from Knew Health.

I authorize Knew Health to send email or text which may include unencrypted protected health information.

I have read and agree to the limitations on Pre-existing Conditions with Knew Health.

I have read and agree to the limitations on sharing in pregnancy/maternity-related expenses with Knew Health.

I have read and agree to abide by the Knew Health Member Guidelines and Cancellation Terms.