HealthShare

Protection for the moments that matter most.

HealthShare is the major-medical layer included on the Comprehensive plan. It covers hospitalizations, ER visits, maternity, cancer treatment, and other serious medical events. Members pay a $2,500 Initial Unshareable Amount (IUA) per medical need, and after that the community shares the rest with no annual or lifetime cap. Pre-existing conditions are covered after a 12-month waiting period with a phase-in schedule. Submit sharing requests through the Member Portal within six months of service.

Highlights

• Hospitalizations and ER visits covered after $2,500 IUA
• No annual or lifetime limit on eligible expenses
• Maternity covered after 6-month waiting period ($2,500 IUA)
• Pre-existing conditions covered after 12-month waiting period with phase-in
• Household cap of 3 IUAs in a rolling 12-month period
• Preventive services: annual visit ($175), mammograms ($600), immunizations
• Ambulance, surgery, cancer treatment, DME, home healthcare eligible
• Prescriptions related to an eligible sharing request covered up to 12 months
• $10,000 end-of-life financial assistance after one year of membership
• Submit sharing requests via Member Portal within 6 months of service

All member services · Employer plans · Individual and family plans