Still want more details?
FAQs to the rescue!

Is WoW Health an Insurance Plan?

No, WoW Health is a software platform that brings healthcare products and services by our partners on a “cash” basis which gives our members the transparency and choice to make the most informed healthcare decisions.

Are There Any Pre-authorizations or Permissions Required to Use a Service?

No, there are no restrictions for you to use any of the WoW Health services; however there are certain services like medications and diagnostic tests that require a prescription by a treating medical provider.

Are There Any Copays or Deductibles with WoW Health Services or Products?

No, WoW Health is not an insurance product so there are no copays or deductibles. You pay what the stated price is, no surprises. Unlike insurance, you will not be billed for any product or service that you have not agreed to before you obtain the service. It is price transparency at its best.

Does the Money I Spend on WoW Health Count Towards My Deductible?

No, the money used does NOT count towards the deductible because WoW Health is not an insurance product. We are able to bring you affordable and high quality healthcare because the medical service providers do not have to submit claims and bills, thus decreasing their overhead costs.

Can I Use My HSA/FSA Monies to Obtain Services at WoW Health?

Yes, you can use your HSA and FSA debit cards for WoW Health transactions.

Why Am I Charged the Full Amount When I Make an Appointment?

You are charged the full amount of service when you make an appointment because that money is kept in an "escrow-type" account so when the encounter is completed, money can be released to the medical service provider. This ensures timely payment for the medical service which allows the medical provider to give you the very best price for their services by eliminating paperwork and possibility of non-payment.

Can I Cancel My Appointment?

Yes, you can cancel your appointment but you have to abide by the rules of the medical service provider. Our medical service providers charge as low as 30% of the regular market rate so they can not afford cancellations and no-shows. Usually most appointments can be canceled without penalty up to 48-hours ahead of time.

If I Have an Issue with Any Aspect of My Service, Whom Should I Contact?

WoW Health is a service but all of our medical service providers are independent businesses. We ask that you contact the medical service provider first and try to obtain resolution of any issues. However, if there are any outstanding issues, we would love to hear from you so we can facilitate a solution that would be acceptable to both parties.

Who Do I Contact for Technology or Software Related Issues?

Any software or technology related issues should be addressed with WoW Health directly. Our trained staff are available 24-hours, 365-days a year to address any need.

Why Don't I See My Usual Doctor When I Search for Him/Her?

If you do not see the provider that you are looking for, please check your search parameters. Sometimes your desired date of service or distance or type of service does not match what that medical service provider may be offering. Also WoW Health is a voluntary marketplace and it is possible that the particular medical service provider is not part of our ecosystem. Please send us the name and any contact information so we can reach out to the particular provider and invite them to be a part of our free market healthcare system. WoW Health is FREE for all medical providers so there is no barrier to joining.

Do I Have to Pay to be a Part of WoW Health?

No, there are no membership fees or costs to be a part of the WoW Health free market healthcare ecosystem for any users. You only pay for services or membership plans once you have established an account and decide to obtain that service or product.

How is My Data and Records Protected?

Your security is our top priority. WoW Health follows best practices for security, and is HIPAA compliant. All of your information is encrypted and kept in Google Cloud Platform. We use SSL certificates to ensure the privacy and protection of our platform.

Does WoW Health Share Any of My Health Records with Other Entities?

No, WoW Health does not sell or share any of your information or health records with any vendors or third parties. We may use DE-IDENTIFIED health meta-data for research purposes but that does NOT identify you personally.

Do You Share Any of My Data with My Employer?

No, we do not share any of your medical records with your employers. You may share this information for employer related reimbursement but that is your choice.

If I Share My "Wallet" with a Family Member, Can I See Their Medical Records or Health Data?

No, sharing the wallet with a family member for financial purposes does not expose or share any of the health records between accounts. Even the health data and records for your minor children are kept in separate accounts--we just give you the ability to manage their accounts until they reach the legal age to consent for treatment.

What Is Telemedicine?

Telemedicine allows healthcare providers to evaluate, diagnose, and treat patients using phone or video calls. WoW Health's nationwide Telemedicine platform is a HIPAA secure way for a patient to get a medical evaluation, 24/7, from anywhere, with licensed medical providers. WoW Health offers two distinct Telemedicine services.
  • Virtual Urgent Care: Connect with a doctor in usually less than 10-min.
  • Teletherapy Service: Read about and pick a psychologist or therapist of your choice, andthen make an appointment with them.

Is Telemedicine Safe?

Telemedicine has been practiced for over 25 years. While it is not appropriate for every clinical scenario, it is estimated that about 3 out 4 medical encounters can be effectively performed via Telemedicine. All Telemedicine encounters are performed on our HIPAA secure platform so you have the peace of mind that your information is always kept safe.

What Is The Benefit Of Membership?

Although both of WoW Health’s Telemedicine services, Virtual Urgent Care and Teletherapy, are available on a per session basis for $40 without any membership, the Telemedicine membership gives our members first FREE visit, and then 50% discount for any subsequent sessions. This way for only $10 per month membership, after your first free session, all future Virtual Urgent Care OR Teletherapy sessions are only $20! And there is no limit so you can use as many sessions as you may need.

Are There Any Medical Conditions That Are Not Appropriate For Telemedicine?

Telemedicine is not appropriate for serious medical emergencies like chest pain, difficulty breathing, and severe pain or injuries. Telemedicine works well for routine medical concerns where a patient wants to get treated in a convenient, cost-effective, and safe manner.

Can I Get a Prescription After My Telemedicine Session?

Yes, when deemed appropriate by the treating doctor, a prescription will be sent electronically to your pharmacy.

Are There Any Family Discounts?

Yes, the Telemedicine Membership can be purchased at over 50% discount for the whole family. At the time of enrollment, you can decide which type of membership is most suitable for you and your loved ones.

What Does The WoW Health Pharmacy Membership Provide?

WoW Health Pharmacy membership gives you access to wholesale priced prescription medications at up to 80% discounts, available at over 65,000 pharmacies nationwide.

Which Pharmacies Will Accept The WoW Health Pharmacy Membership?

With over 65,000 pharmacies, WoW Health’s Pharmacy network includes independent pharmacies and large retailers like Kroger, Rite Aid, Costco, CVS, etc. You can see a listing of your closest pharmacies with pricing information when you search for a medication.

How Do I Pay For My Prescriptions?

You can look up the cost of medication and the closest pharmacies where the prescription can be filled on the WoW Health website or mobile App. At the pharmacy checkout, you simply show your WoW Health Pharmacy Membership electronic card, which is in your WoW Health app, to the pharmacy staff. You then pay the discounted price at the pharmacy.

What Is The Maximum Discount That I Can Expect To Receive?

The WoW Health Pharmacy Membership discount varies based on medication, and even the pharmacy. You can get up to 80% discount routinely for prescriptions. The best way to know is to search the medication, and you will be able to see a list of pharmacies with their estimated costs. This way you can decide which pharmacy to go to.

Is The Price Shown For Medications Exactly What I Would Pay At The Pharmacy?

The price shown is a very close estimate. You may pay a minimal amount above or below the shown price at the pharmacy due to ever fluctuating prices of prescriptions.

How Many Times Can I Use My Membership Card?

There is no limit to how many times the WoW Health pharmacy membership card can be used.

Does Every Member in My Family Need to be Enrolled?

Yes every family member needs to be enrolled in the Pharmacy Membership to be eligible for the discounted prices. You can customize your Pharmacy membership during the enrollment process to include your family members, and get over 50% discount with family memberships.

What is Dental Membership with WoW Health?

WoW Health offers a discount membership for dental services. For only $10 per month, you get access to thousands of dentists nationwide with steeply discounted rates for dental services like cleanings, tooth extractions, braces, etc.

How Do I Use the Dental Membership?

You are able to search for pricing by the service that you need, and also the local dental office where you can get that discounted service. Simply call the dental office to make an appointment and let them know that you will be using your discount card to pay for services. Then you pay the dental practice directly at the time of service.

How many times a year can I have my teeth cleaned?

You could go to the dentist for a cleaning every day if you wanted to and get the same savings every time, though once every 6 months is the recommendation for most people. There are no limits with our plans.

Can I switch dentists at any time?

Absolutely. Just make sure the dentist takes your plan. You can see the list of dentists on our website, and also double-check with the receptionist when you call to make your appointment.

How can I find a dentist?

Enter your zip code and search for dentists near you, or you can look up the needed procedure and also get a listing of local dentists to help you.

What Is Telemedicine?

Telemedicine allows healthcare providers to evaluate, diagnose, and treat patients using phone or video calls. WoW Health's nationwide Telemedicine platform is a HIPAA secure way for a patient to get a medical evaluation, 24/7, from anywhere, with licensed medical providers. WoW Health offers two distinct Telemedicine services.
  • Virtual Urgent Care: Connect with a doctor in usually less than 10-min.
  • Teletherapy Service: Read about and pick a psychologist or therapist of your choice, andthen make an appointment with them.

Is Telemedicine Safe?

Telemedicine has been practiced for over 25 years. While it is not appropriate for every clinical scenario, it is estimated that about 3 out 4 medical encounters can be effectively performed via Telemedicine. All Telemedicine encounters are performed on our HIPAA secure platform so you have the peace of mind that your information is always kept safe.

What Is The Benefit Of Membership?

Although both of WoW Health’s Telemedicine services, Virtual Urgent Care and Teletherapy, are available on a per session basis for $40 without any membership, the Telemedicine membership gives our members first FREE visit, and then 50% discount for any subsequent sessions. This way for only $10 per month membership, after your first free session, all future Virtual Urgent Care OR Teletherapy sessions are only $20! And there is no limit so you can use as many sessions as you may need.

Are There Any Medical Conditions That Are Not Appropriate For Telemedicine?

Telemedicine is not appropriate for serious medical emergencies like chest pain, difficulty breathing, and severe pain or injuries. Telemedicine works well for routine medical concerns where a patient wants to get treated in a convenient, cost-effective, and safe manner.

What Is The Difference Between Virtual Urgent Care And Primary Care?

Virtual Urgent Care is the treatment provided to patients via video calls for a condition that requires prompt attention, but does not pose an immediate serious health threat. Primary care is the continual care usually by the same provider that covers a broad scope of health areas including screening, disease prevention, health maintenance, etc.

Can I Have A Doctor Of My Choice For My Virtual Urgent Care Encounter?

The medical/Virtual Urgent Care encounters are like a visit to an urgent care. You will be cared for by the next available doctor, usually within about 10 minutes of your request. However, Teletherapy encounters are scheduled so you can pick your Psychologist or Therapist, and also pick the time and day for the Teletherapy session.

How Long Do I Have To Wait For My Virtual Urgent Care Session?

Medical encounters usually have a wait time of about 10 minutes. The encounter itself with the doctor usually takes about 10-15 min, so in under half an hour, you can have your medical concern addressed from the comfort and privacy of your home or work.

What If I Need Care Late At Night Or Over The Weekend?

WoW Health’s Virtual Urgent Care service is available 24/7/365 nationwide so you are never a simple call away from being able to get expert medical advice.

What Should I Bring To A Virtual Urgent Care Session?

Come prepared to discuss any symptoms or conditions you may be experiencing, as well as any questions you may have for your doctor. During your visit, your doctor will likely ask about your medical history, your symptoms or any underlying conditions, as well as any medication you may currently be taking. When appropriate, the doctor can send a prescription to your local pharmacy as well.

Can I Get a Prescription After My Telemedicine Session?

Yes, when deemed appropriate by the treating doctor, a prescription will be sent electronically to your pharmacy.

Are There Any Family Discounts?

Yes, the Telemedicine Membership can be purchased at over 50% discount for the whole family. At the time of enrollment, you can decide which type of membership is most suitable for you and your loved ones.

What is Teletherapy?

Teletherapy sessions are similar to in-person therapy therapy sessions, but are conducted over the phone or via video call. You can attend the online counseling session via your phone, laptop or tablet.

Is Telemedicine/Teletherapy Safe?

Telemedicine has been practiced for over 25 years. While it is not appropriate for every clinical scenario, it is estimated that about 3 out 4 medical encounters can be effectively performed via Telemedicine. All Telemedicine encounters are performed on our HIPAA secure platform so you have the peace of mind that your information is always kept safe.

How Do I Know If Teletherapy is a Good Fit for Me?

Teletherapy is beneficial in managing many common psychological problems. You will get a great insight in your first session if it is a good fit for you, and you will be able to gather more resources to take better care of yourself.

If I Have Anxiety, ADHD, Or Depression, Can WoW Health Help Me?

WoW Health’s Teletherapy service is available for members to address your mental health needs. You can pick the therapist of your choice, pick a time that best suits you, and then be able to conduct that session from your phone or computer from the privacy and comfort of your choosing.

Can I Maintain Anonymity During a Teletherapy Session?

Your Teletherapy session is just like meeting a Therapist in the office. It is performed via a HIPAA compliant and secure link to help protect your privacy but for legal purposes, your name, contact information and age are available to the therapist.

Can I book an appointment with the teletherapist of my choosing?

Yes, Teletherapy encounters are scheduled so you can pick the Psychologist or Therapist, and also pick the time and day for your session.

How Long are the Teletherapy Sessions?

Teletherapy appointments are scheduled with the Psychologist or Therapist of your choice for 50-min sessions.

How Do I Prepare for a Teletherapy Session?

Ensure that you are sitting in a private, quiet setting. Check your microphone and speakers prior to the appointment. Lastly, make sure that you have a stable connection for the duration of the appointment.

What Is The Benefit Of Membership?

Although both of WoW Health’s Telemedicine services, Virtual Urgent Care and Teletherapy, are available on a per session basis for $40 without any membership, the Telemedicine membership gives our members first FREE visit, and then 50% discount for any subsequent sessions. This way for only $10 per month membership, after your first free session, all future Virtual Urgent Care OR Teletherapy sessions are only $20! And there is no limit so you can use as many sessions as you may need.

What Are The Advantages Of Making An Appointment With WoW Health For Imaging Services?

Diagnostic and imaging services can be complicated with different billing entities like the facility and the radiologist. WoW Health ensures that you are given one price for the whole event which is inclusive of the report by a certified radiologist. It is a great way to ensure that you do not end up with surprise bills.

How Do I Know The Quality Of The Imaging Center?

All of our centers are accredited and licensed. Also before you accept and pay for the imaging service, you will be given the name of the center so you have an opportunity to perform your own search and due diligence for your peace of mind.

Can I Cancel An Appointment?

Yes, you can cancel an appointment but you have to clarify cancellation rules with the medical practice to make sure that you are not responsible for any cancellation fees. As you can imagine, imaging centers can not function with last minute cancellations, especially when they are providing discounted services to our members.

How Do I Make An Appointment?

You can search for the needed imaging service and initiate a request. You will need a prescription/order for the imaging study by a doctor, which is required by law. You will be contacted in one business day to gather information, and all of your questions will be answered. After this call, you will be sent a written proposal with the particulars of your imaging test--when, where, how much will the whole thing cost, etc. Once you are satisfied, you will pay and accept the proposal to confirm the appointment.

What Do I Do Once I Have Accepted The Proposal And Paid For It?

You will have the contact information of your concierge to ask any questions. On the day of the test, you will go to the center and follow the instructions provided to you by your concierge.

What Are The Advantages Of Making An Appointment With WoW Health For Imaging Services?

Diagnostic and imaging services can be complicated with different billing entities like the facility and the radiologist. WoW Health ensures that you are given one price for the whole event which is inclusive of the report by a certified radiologist. It is a great way to ensure that you do not end up with surprise bills.

How Do I Know The Quality Of The Imaging Center?

All of our centers are accredited and licensed. Also before you accept and pay for the procedure, you will be given the name of the doctor and the center so you have an opportunity to perform your own search and due diligence for your peace of mind. Many times the doctor will meet with you before the procedure as well, which is a great way to assess your rapport withthe doctor as well.

Can I Cancel An Appointment?

Yes, you can cancel an appointment but you have to clarify cancellation rules with the medical practice to make sure that you are not responsible for any cancellation fees. As you can imagine, imaging centers can not function with last minute cancellations, especially when they are providing discounted services to our members.

How Do I Make An Appointment?

You can search for the needed imaging service and initiate a request. You will need a prescription/order for the imaging study by a doctor, which is required by law. You will be contacted in one business day to gather information, and all of your questions will be answered. After this call, you will be sent a written proposal with the particulars of your imaging test--when, where, how much will the whole thing cost, etc. Once you are satisfied, you will pay and accept the proposal to confirm the appointment.

What Do I Do Once I Have Accepted The Proposal And Paid For It?

You will have the contact information of your concierge to ask any questions. On the day of the test, you will go to the center and follow the instructions provided to you by your concierge.

Why has WoW Health Partnered with Zion Health?

WoW Health has partnered with Zion Health to bring an innovative and affordable non-insurance solution that helps with large medical expenses like hospitalization, ER visits, surgeries, cancer care, etc. This approach of paying directly for smaller everyday care expenses, and being a member of Health Sharing community like Zion Health for large medical expenses, save WoW Health members over 50% for their complete healthcare solution.

What Is Zion Health?

Zion Health is a Utah nonprofit corporation with administrative offices in St. George, Utah. Zion Health is not an insurance company. Zion Health provides the framework and administrative support for a healthcare cost sharing membership program.When members have financial needs due to illness that are greater than they can bear individually, the goal of the Zion Health community is to assist members in carrying one another’s burdens. The method by which Zion Health seeks to facilitate the sharing of members’ medical costs is to teach and apply these principles of community and responsibility as an integral part of its sharing philosophy.

Is Zion Health an Insurance Company?

No. Insurance arrangements are a contract whereby one party agrees to be legally responsible for and accept another party’s risk of loss in exchange for a payment—a premium. Health Sharing is an arrangement whereby members agree to share medical expenses through the act of voluntary giving. Zion Health does not assess applicants’ health risks because neither Zion Health nor its members are assuming financial liability for any other member’s risk. Unlike insurance, the focus of Zion Health is to provide an avenue for members to help each other bear their immediate healthcare expenses.When health care costs are paid by someone other than the person receiving care, as is typically the case when an insurance company or government entity agrees to cover such costs, the healthcare model can be undermined. Zion Health believes many of the current problems with the healthcare system are the direct result of restricting personal freedom and responsibility through dependence on third-party payers. Zion Health is designed to allow members to help one another while maintaining freedom of choice and personal responsibility.

Does Zion Health charge monthly premiums?

Because Zion Health is not insurance, it does not charge premiums. Rather, Zion Health members freely choose to assist other members with their medical expenses by contributing a predetermined amount each month; called a “share.” Ninety percent (90%) of each member’s monthly contributions are designated solely for assisting other members’ needs.

Is Zion Health Legal?

As a nonprofit corporation, Zion Health is required to abide by certain state and federal regulations. The health sharing program administered by Zion Health may be legally operated in all fifty (50) states.

Does Zion Health Comply with the Affordable Care Act Requirements?

Zion Health is not a substitute for insurance as defined by the Affordable Care Act and thereforedoes not meet the requirements by itself.

How does Zion Health Handle Medical Claims?

Because there is no transfer of risk, as defined in applicable insurance rules and regulations, with respect to Zion Health’s health sharing program, no “claim” is ever owed by Zion Health on behalf of any member. When members incur eligible medical expenses for a new accident, injury or illness that they anticipate likely to be in excess of their chosen Initial Unshared Amount (IUA), they may contact Zion Health and open a Needs Case. A Need includes all of the eligible expenses surrounding that new issue, accident or illness. The member is required to meet the IUA once for a given Need. A Need is considered closed after 12 months have passed without further expenses attributed to that particular Need.

Once a Need Case is opened, providers can send bills directly to Zion Health using standard electronic correspondence tools in the medical industry (EDI). If not sent directly from the provider, Zion Health members are required to submit proof of their medical expenses to Zion Health. Zion Health then evaluates each submission for eligibility or ineligibility based on the Member Guidelines. Eligible needs are designated for sharing using the funds accumulated through monthly member contributions.

Does Zion Health Use Deductibles and Coinsurance?

No. Zion Health’s process differs significantly from insurance practices in this regard to our member’s advantage. When members incur an eligible medical expense that exceeds the initial unshareable amount, any amount above the initial unshareable amount may be eligible for sharing. On the fourth medical need in a household, the member no longer needs to pay the initial unshareable amount. If the additional medical expenses are more than $500, the remaining costs are fully shareable with the community.

Do All the Monthly Contributions Go Toward Member’s Medical Expenses?

Over ninety percent of all monthly contributions go toward sharing in medical needs. Each month, less than 10% of contributions are retained by Zion Health for administrative costs. An audit of Zion Health’s finances is conducted each year by an independent firm and made available online.

Who Can Join Zion Health?

Anyone between the ages of 18 to 65, who agrees to follow the Member Guidelines and abide by the Principles of Membership, can join Zion Health. Membership expires when an individual reaches the age of 65. Newborns who are not born under an eligible maternity need have a seven-day waiting period before they can be added to the family’s membership. Children under a parent’s membership may remain until age 26 or until married.

What Kinds of Needs Do Zion Health Members Share?

In general, needs for illnesses or injuries resulting in visits to licensed medical providers, emergency rooms, testing facilities, or hospitals are shared on a per person, per incident basis once the member has met their personal responsibility by paying their initial unshareable amount.

What Kinds of Needs Do Zion Health Members Not Shared?

Needs resulting from medical conditions that existed prior to the effective date are typically not shared or are shared in a limited capacity. For any needs that do not qualify for sharing but that create a financial burden to your family, the Additional Giving program may be of assistance. Finally, each member has an IUA (initial unshareable amount) for which reimbursement from the Benevolent Fund will not be made.

What Amounts Do Members Share for Maternity Needs?

For a pregnancy that begins 60 days after the start of a member’s effective date, maternity needs are shared like any other need. For a pregnancy that began prior to a member’s effective date, pregnancy is treated as a pre-existing condition and not shared.

Are My Pre-Existing Conditions Always Unshareable?

In the first year of membership, pre-existing conditions are not sharable with the Zion Health community. Pre-existing conditions have a phase-in period wherein sharing is limited. Starting from the initial enrollment date, members have a one-year waiting period before pre-existing conditions are shareable. After the first year, pre-existing needs are eligible for sharing on a limited basis, with the amount increasing each membership year. Members are never required to pay a second IUA for the same need, including pre-existing conditions.

Zion Health attempts to negotiate all medical bills received. Even if a pre-existing condition is not shareable, members may still receive discounts for their services through negotiation.

Shareable amount for pre-existing conditions are

  • Year One: $0 (waiting period)
  • Year Two: $25,000 maximum per need
  • Year Three: $50,000 maximum per need
  • Year Four: $125,000 maximum per need

After year four of membership, expenses related to pre-existing conditions will remain shareable at a maximum of $125,000 in a 12-month rolling period and resetting each membership year. For more information, see the section “Medical Conditions Existing Prior to Membership.”

Are There Conditions that are Exempt from the Pre-Existing Conditions Clause?

Yes, high blood pressure, high cholesterol, and diabetes (types 1 and 2) will not be considered pre-existing conditions as long as the member has not been hospitalized for the condition in the past 12 months and is able to control it through medication and/or diet.

Will Zion Health Share Medical Costs Incurred Outside the United States?

Yes. For members who are travelling abroad, eligible needs can be shared no matter where in the world they were incurred and treated. Members interested in medical tourism need prior written approval from Zion Health before treatment.

What Happens if Zion Health Needs Exceed the Monthly Contributions Received?

Zion Health keeps funds to share member needs in the event that medical needs exceed the monthly contributions received. To date, all eligible needs have been shared in full without need to draw from the saved funds.However, if the rare event occurs that all needs cannot be met for a given month, Zion Health uses a prorating method to evenly distribute the available funds among members with needs. For example, if the monthly contributions received for a given month amounts to 80% of the needs submitted for that month, each member would have 80% oftheir eligible expenses shared that month. The Zion Health community has not needed to prorate member needs in the past and has prepared for the event that needs exceed member contributions.

Can I Offer Zion Health Through My Company or Group?

Yes. Although Zion Health is an individual and family health sharing program, we allow for a company contribution list. Employees who participate can be added or removed from the contributions list at any time and billed directly. Participation in Zion Health’s program is always voluntary, both from the company’s and the employee’s perspectives. Business owners choose to work with Zion Health because they value community and personal responsibility and because they want to use a cost sharing approach to ensure provision of quality healthcare for their employees. There are numerous factors that contribute to Zion Health’s greater efficiencies for both companies and employees.

Can I Choose My Own Doctors And Hospitals Without Being Penalized?

Yes. Each member’s personal freedom to select the medical providers of their choice is fundamental to Zion Health’s philosophy. Zion Health endeavors to provide members with detailed and current information and recommendations to help them identify and receive treatment from the highest quality health provider(s). Accordingly, there are no out-of-network penalties or other restrictions.

What Are Zion Health’s Membership Requirements?

Zion Health members must agree to the Principles of Membership (https://zionhealth.org/wp-content/uploads/handouts/MemberGuidelines.pdf).

Can My Membership be Dropped if I have Very High Medical Needs?

Members cannot be dropped from the sharing program due to their medical needs. Neither membership nor monthly contribution is adversely impacted by the amount of medical expenses a member or their family members may have.

Is There a Lifetime or Yearly Maximum Amount that is Eligible for Sharing for Any One Person or Family?

There are no lifetime or annual maximum amounts eligible for sharing for most medical needs. Some conditions have limits, generally calculated per need, as described in the section “Limitations on Sharing.” There is no limit on the number of needs that an individual member or household may have.