We speak to hundreds of people everyday that are interested in a different kind of healthcare experience. They’re tired of the broken, American system where we pay exorbitant amounts for very little in return. If you don’t have insurance, you feel insecure. If something catastrophic happens, then we’re gambling if we don’t have insurance. But we’re already gambling because we pay so much for a service we may never use.
So you want something better, a new way of doing things. So let’s tell it like we see it. Full transparency. The good and the bad about Knew Health.
Why Knew Health?
We are a virtual Community of individuals focused on daily wellness that pay a monthly membership fee. You’ll get discounted and free resources focusing on improving and optimizing your overall health and wellness, like personalized health coaching and proactive lab work that can help you better understand what is going on in your body. You’ll also get medical safety nets, like telemedicine, second opinion services, and Medical Cost Sharing all at no extra cost.
So you aren’t health insurance?
No, we aren’t. Our Members use us as a healthier alternative. In fact, our Members love that we aren’t insurance because it actually opens up a lot of doors. Our Members have complete control and flexibility over their healthcare. They choose their own providers without the limitations of networks or referrals. Whether it’s conventional or alternative medicine, you choose what works for you.
Our Members love that their monthly contributions, or monthly healthcare expenses, are going to help other people. Monthly contributions go to sharing Member’s medical bills, instead of profiting a large corporation.
And because it’s a monthly membership, you can cancel at any time, so there are no long-term obligations.
If I don’t have health insurance, won’t that make it a difficult experience at a doctor’s office or in a hospital?
While it may be a new experience to go without an insurance card, we’ll educate you to be confident cash-pay patients. We’ll help you find providers that get you the best quality care at the lowest cash-pay rate (but ultimately you get to choose). We’ll teach you how to be a pro when speaking with hospital and office staff. And we’ll ensure that you know exactly what paperwork you need so you can share bills for Medical Cost Sharing with ease.
What is Medical Cost Sharing?
Medical Cost Sharing is a community approach to managing unexpected healthcare costs. When you join (it only takes a few minutes), you’ll select an Initial Unshareable Amount(IUA). In other words, an IUA is the financial amount you’ll be responsible for if you have unexpected medical costs. One example of an IUA is $500.
An IUA isn’t the amount you pay per month. What you pay per month is determined by your age, whether you are an individual or family Membership, as well as the IUA level that meets your needs. You can request your pricing options here.
If you have an unexpected medical event, like a broken bone or cancer diagnosis, you’ll pay your IUA and the rest of the costs for that event will be shared with the Community. We minimize the financial impact on you and you know ahead of time exactly what you’ll pay. So there are no surprises. And you’re never alone.
That’s what our Members keep referring to as peace of mind.
You said “unexpected” medical costs. So what costs can be shared and what can’t?
Generally, costs that are unexpected can be shared with the Community. This would be any new illness or injury, so anything from acute appendicitis or cancer diagnosis to accidents like a broken leg, as well as maternity costs.
If a medical cost can be anticipated then this typically won’t be shareable. For example, a yearly physical cannot be shared. Our Members have never found this to be an issue because they use their savings to get the proactive and preventive care they need.
Some medical costs are daunting, like cancer treatments. They can be hundreds of thousands of dollars. Could I ever be capped on how much you would share with me?
No, there are no sharing caps or maximums. That’s yearly or lifetime for a Knew Health Membership. When we talk about peace of mind and never being alone, we really mean it.
Have there been times when the Community couldn’t afford to share in everyone’s medical bills?
There has never been a time when we have not been able to share our Member’s medical bills. We have protocols in place to handle this scenario, but we have such a great Community that continues to share each month, so the Community Fund continues to grow and will only ever be used to share in our Members’ medical bills.
What is truly unique about Knew Health?
Most other Sharing Memberships out there are focused on faith or religion. We don’t require or limit Membership on beliefs, we simply encourage our Members to be dedicated to their health. When we’re healthy, we’re happier.
With our Community focused on health improvement, we’ll avoid high medical costs, which keeps monthly costs low for everybody.
Our Members work with our health coaches regularly to get free, individual, one-on-one guidance to identify health and personal development goals so we’re all living our best lives. They also use our extensive lab test offerings to proactively understand what is going on in their bodies perhaps and even identify when things may be off. And by combining this awareness with our heavily discounted supplements (35% off MSRP), they’re saving hundreds of dollars, if not more, every year, while optimizing their health.
But the most unique and important aspect of our Community is what our Members are doing with the money they’re saving through us. They’re investing in preventive care, organic foods, fitness and wellness classes. They’re investing in themselves.
So if there’s no contractual obligation, like with health insurance, how do I know that this system will be there when I need it?
This is a very fair concern. We truly are a Community that is built on trust and we’re all ready to do things differently. There’s a reason that over 1 million Americans have chosen this alternative to health insurance.
We’ve chosen the most trusted Medical Cost Sharing partner to administer this aspect of the Membership for our Community. We’ve processed over $37.2 million in medical bills and all eligible costs have been shared with our Members to date.
And we can’t compliment our Concierge Support Teams enough. You’ll always be able to talk with our Team to ensure that you have the support and help you need every step of the way, from just starting out as a Member to submitting your first Need for Medical Cost Sharing.
If you can do things differently, then so can we. We’ll work with you to find a solution to any issue that may arise.
I’m used to just handing over an insurance card when I go to the doctor. Will this be more work?
We’re taking out the middleman that causes grossly inflated healthcare costs and decreases your freedom. It will take a little getting used to, but we’ll be with you every step of the way. You’ll soon be a pro at getting the most out of your healthcare and you’ll have the control you’ve been looking for. Turns out, not having an insurance card can actually make things easier.
How do I make the most of Knew Health?
You get out what you put into it. Our Members are invested and ready to make a healthier change. So jump right in when you join. Get your health coaching sessions scheduled and get started living your best life!
Identify areas of your health that you want to focus on and get some of our proactive specialty lab kits and panels under your belt to really see what is going on in your body and how you can improve to feel better. You can even get recommendations on supplements, from joint health to hormonal health, there are regimens you can get started on right away.
Take this as an opportunity to re-evaluate your healthcare providers or stay where you’re at because you’ve already found one that focuses on you. But most of all, make a list of what you could do with your savings so you can invest in life’s most valuable asset, your health.
Our goal is transparency and providing you with a Membership that promotes your health and affords you peace of mind so you can face the day without worry. To take the next step and get all of your questions answered, please reach out to our Team via chat, [email protected] or 855-542-0050. Or check out our FAQ and be sure to Request Your Pricing!