Sharing Guidelines What's NOT eligibleOur medical cost sharing community is built around members sharing common medical expenses. In order to be eligible to have your expenses shared by the membership group, you need to make sure your medical expenses meet the guidelines. The guidelines provide a baseline set of rules to keep things fair among the membership.
Please review the guidelines which are available on this site so that you can familiarize yourself with what expenses are not eligible and what sharing limits may apply to your situation. We would be glad to answer any of your questions on the phone so that you can make an informed decision about medical cost sharing. Please use the contact us form found at the bottom of every page if you would like to talk to someone about your questions.
The following are some examples of medical expenses we don't share:
- Mental Health Service
- Alcohol and Drug Abuse services
- Breast Implants
- Cosmetic Procedures including the removing of tattoos
- Hair Loss treatments
- Extremely hazardous hobbies like skydiving and bungee jumping
- Illegal Acts like committing or attempting to commit a crime or other felonious behavior
- Professional Racing (i.e. professional motocross) or similar Competitive Events
- Self Inflicted intentional injury
- Sex Change Operations, services or treatments
In order to maintain fairness in the community and efficiency of the sharing system there are special limits on sharing for some types of care.
- Hospice Care for 30 days
- Organ Transplants up to $125,000
- Physical Therapy up to 20 visits
This list is not comprehensive. Please review the guidelines and let us know if you have any questions. You can find the guidelines linked in the menu under Sharing Guidelines.