For more than 40 years, individuals and families have used medical cost sharing as an alternative way to manage healthcare expenses.
Medical cost sharing is not health insurance. Instead, it is a community-based approach where members contribute monthly and help share each other’s eligible medical expenses. When larger medical needs arise, the community helps carry the financial burden together.
Unlike traditional insurance plans, most medical cost sharing programs do not use provider networks. This allows members the freedom to choose the doctors, specialists, and hospitals they trust, rather than being limited to a network.
Medical cost sharing can help members manage the cost of major medical events such as:
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Childbirth
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Emergency room visits
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Hospitalizations
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Cancer treatment
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Accidents and injuries
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Mental health care
Many people today feel frustrated with rising premiums, limited provider access, and the lack of transparency in the traditional healthcare system. Medical cost sharing communities offer a different approach—one that allows individuals and families to work together to manage healthcare costs while remaining active participants in their healthcare decisions.
If you are looking for more flexibility, greater transparency, and an affordable way to manage large medical expenses, medical cost sharing may be worth exploring.
We would be happy to help you determine whether this approach is a good fit for your situation.
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Important Notice:
Medical cost sharing programs are not insurance, are not regulated as insurance, and do not guarantee payment of medical expenses. These programs may not be appropriate for everyone.