What about the bigger, unexpected moments?
Everyday care handles the sniffles and lab work. For the big stuff, we help you add an affordable major medical option, including health care sharing that families say saves them thousands a year.
Not insurance. Monthly access to specified services through licensed contracted providers nationwide. Additional care options are optional, are not insurance, and participation is subject to applicable guidelines.
Hospitalization
Surgery
Emergencies
Pregnancy
Cancer
How a big bill actually works
- 1
Keep it unpaid
Don't rush to pay a large bill — that's your leverage.
- 2
Negotiate a cash price
A bill not tied to a network contract can actually be negotiated. We help.
- 3
Submit for sharing
Your share is paid first; eligible amounts above it are shared by members.
Sharing is voluntary and not guaranteed. Members remain responsible for their bills.
Pick the amount you pay first
A "need" is the eligible medical expenses from one injury or illness. You pay your chosen amount; the community shares what's above it.
Limit your costs: pay your share on up to 3 needs per year — the 4th eligible need is shared with no share from you.
Nobody is turned away. Large needs phase in.
Applies to conditions with symptoms, treatment or medication in the 36 months before you join.
Year 1
Not shared
Year 2
Up to $25k
Year 3
Up to $50k
Year 4+
Fully shareable
Day-to-day care for these conditions lives in Bucket 1 from day one. Example schedule — verify current guidelines.
Your three responsibilities
- 1Pay your share (the IUA) first
- 2Cooperate on bill negotiation
- 3Follow the published guidelines
What goes in which bucket?
Everyday (Bucket 1)
- Maintenance Rx
- Chronic-care visits
Large (Bucket 2)
- Hospital stay
- Surgery
Health care made simple, in 5 steps
Members pool resources to share each other's eligible medical bills: a community with published rules, not an insurance policy. Many families pair it with everyday Direct Access Care.
- 1
Choose your care
Telehealth, office visits, urgent care, or the ER and hospital.
- 2
Show your member card
Your provider bills the program directly.
- 3
Discounts apply
Bills are discounted through a large nationwide network.
- 4
You pay your portion
Up to your yearly household amount — you pick the level.
- 5
The community shares the rest
Other members share in your eligible medical bills.
1M+ providers nationwide
Doctors, facilities and hospitals across all 50 states.
Flexible annual amounts
Pick a yearly household portion like $3k, $6k, $9k or $12k to fit your budget.
Choose your care
No such thing as out-of-network with many sharing programs — go where you go.
Upfront pricing
Price transparency before you get care, so there are fewer surprises.
24/7 telehealth
Talk to a doctor from home, day or night.
Behavioral health
Mental wellness support when you need it.
Real support
A needs coordinator and a caring community help you through every bill.
Protect your retirement from Medicare gaps
Sharing programs for members with Medicare Parts A & B can help with co-pays and deductibles, plus 24/7 telehealth. Ask us how it compares to a Supplement.
Compare Medicare optionsHealth care sharing vs. insurance
Health care sharing programs are not insurance and do not guarantee payment of medical bills. Sharing is voluntary and subject to each program's guidelines, which may include faith-based membership standards and limits on pre-existing conditions. Savings examples vary by household.
Quick answers
- How does medical cost sharing handle a big bill?
- Keep the bill unpaid, negotiate a cash price, then submit it for sharing. You pay your chosen share (IUA) first and members share eligible amounts above it.
- How much do I pay per need?
- You choose an IUA, typically $500, $1,000, $1,500, $2,500 or $5,000. You pay it on up to 3 needs a year; a 4th eligible need is shared without an IUA (example guidelines).
- Are pre-existing conditions covered?
- Nobody is turned away. Large needs tied to conditions from the prior 36 months phase in: not shared in year 1, up to $25k in year 2, up to $50k in year 3, then fully shareable (example guidelines).
Real help, real relief
"Healthcare doesn't have to be complicated. From the first call to our bills being shared, it was smooth."
"Our advisor walked us from family coverage straight into Medicare. No gaps, no stress."
"The concierge got a surprise bill corrected in a week. I didn't know that was possible."
Everyday care for the whole family — $165/month.
Spouse or partner and dependent kids included. Questions first? Talk to a real person.