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.

Waiting Period

In the first year of Membership, pre-existing conditions have a waiting period and are not sharable 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.

Cancellation Policy

If you wish to cancel your Knew Health Membership you must provide written notice to [email protected] with the subject line “Cancellation Request”.

If you wish to end your Knew Health Membership on the last day of the current month, your written notice must include the reason you are canceling. The deadline to cancel your Membership at the end of the current month is the 21st. Requests received after the 21st, will be processed the following month.

As you pay for your Knew Health Membership one month in advance, your Membership will remain active until the last day of the month following the last month that you paid your Monthly Share Contribution.

There are no cancellation fees and no refunds. Once your cancellation has been processed, you will receive email confirmation.

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 Knew Health Principles of Membership.

I have read and agree to the Knew Health Registration Fee Non-Refundable & Cancellation Terms.

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.


DISCLAIMER: 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 AN 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. 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 THESE GUIDELINES. THE FINANCIAL ASSISTANCE YOU MAY RECEIVE WILL COME FROM OTHER MEMBERS AND/OR SPONSORING ENTITIES, AND NOT FROM KNEW HEALTH.