Understanding Medical Healthcost Sharing
Medical Health cost sharing offers an alternative to traditional insurance - one built around a community of members who voluntarily share in eligible healthcare costs.
Rather than paying insurance premiums, members contribute a set monthly amoount that represents the true costs experienced within the membership.
There is a portion of the membership that is to cover administrative costs of running a healthshare but other than that percentage the funds belong to the members and there is no incentive to deny care to members, there are no stock holders. The administration is responsible to be a good steward for the funds within the community.
Is this legal?
Yes ! And, in almost every state individuals and businesses have great options. Individual states have different guidelines and requirements but I am able to help in all 50 states with at least one option!
Businesses of all sizes can also use healthcost sharing solutions - it may be in conjunction with some traditional solutions but the overall savings will amaze you and your employees will love the benefits they have.
I never heard of this - how long has this been around?
Medical Cost Sharing has a 50 Plus Year History
Healthcare cost sharing offers an alternative approach to managing medical expenses—one built around a community of members who voluntarily share eligible healthcare costs.
Rather than paying traditional health insurance premiums, members contribute monthly amounts toward the sharing of qualifying medical expenses, according to their membership's guidelines.
HealthSharing can offer meaningful advantages, including affordability, flexibility, and greater freedom in choosing healthcare providers. However, not all memberships work the same way.
Today membership based care is booming! The traditional insurance model is dying.
Navigating which one to join however is overwhelming as well as knowing if this is even truly the correct path for you.
That's where I come in. I will advise you in a conservative and safe manner.
Since 2014, I've helped individuals, families, and businesses explore healthsharing options, understand their guidelines, and identify memberships that align with their healthcare needs and financial priorities.
Each Medical Cost Sharing Community is Somewhat Unique
- Each community has their own sharing guidelines.
- This is how you can expect sharing of all expenses to occur.
- I work with the highest rated healthshare and even some insurance options
- I do not use, nor are limited to, any one resource. I have my tool box of resources and I try to understand the needs of each person I speak with and tailor my suggestions accordingly to create the best possible solution for that member.
- And, If I need to, I will also refer you to your best resources beyond my help
All Memberships have different features.
My goal is to make a good match for you.
Key Benefits
Depending on the community and membership selected, potential advantages include:
- Affordability — Monthly contributions may be substantially lower than traditional insurance premiums.
- Simplicity — Some memberships offer a straightforward approach to sharing eligible medical expenses.
- Common-Sense Guidelines — Each community establishes its own rules for sharing medical expenses.
- Medical Freedom — Many memberships allow you to choose your own healthcare providers without traditional insurance networks.
- No Networks & Support -when you are in need- this cannot be valued more! If you have a medical need, you want to be able to access any doctor or surgeon or hospital and not be restricted. This feature alone is why membership care is far superior to traditional insurance in my opinion. When you have a medical need, it is a concierge like process. I have seen it all over the years with my members and experienced it myself as well.
Freedom to Choose Your Healthcare Providers
With the healthshare solutions I recommend, there are no provider network restrictions for new accidents, illnesses, or injuries. To me, this is one of the most valuable benefits of medical cost sharing.
Imagine receiving a diagnosis and discovering that one of the country's leading specialists is located across the country. With many traditional insurance plans, your choices may be limited by provider networks. With medical cost sharing, you have the freedom to pursue the physician and treatment approach that you believe is best for you.
Under a traditional insurance plan, the surgeon or care may very well be out of your "network area" As a healthshare member, you have the freedom to choose the physician you believe is best.
Your responsibility is my Initial Unshared Amount, and eligible expenses beyond that are shared according to my membership guidelines.
That freedom to choose your care is incredibly valuable.
If this philosophy resonates with you, I'd be honored to help you build a healthcare strategy that provides both financial protection and the freedom to pursue the care you believe is best for yourself and your family.
All of my members are VIPs
Every one of my members is a VIP.
Regardless of which healthshare membership you choose, you will receive my personal guidance and ongoing support, along with the dedicated resources provided by the community you join.
You will never have to navigate your healthcare journey alone. Whether you need help understanding your membership, locating providers, finding affordable medications or laboratory services, opening a medical sharing request, or simply have questions along the way.
From enrollment forward, you'll have a foundation of personalized support, advocacy. My goal is to ensure you feel informed, confident, and supported every step of the way.
What if your needs change? Then we'll simply reassess and adjust your healthcare strategy together.
One of the greatest advantages of the healthcare solutions I recommend is their flexibility. Most memberships are month-to-month, allowing us to make changes as your life, health, or financial situation changes.
My goal is never to enroll you in something you don't need. In fact, I take pride in helping my members save money while making sure they have the protection that's appropriate for their circumstances.
As new healthcare resources, memberships, and innovative solutions become available, I'll continue evaluating them on your behalf. If I believe there's an option that better serves your needs or could save you money, I'll reach out and let you know.
That's why I think of myself as much more than a broker.
I see my role as your Healthcare Advisor and Navigator—someone who is here for the long term to help you make informed decisions, adapt as your needs change, and ensure you always have the healthcare solution that's the best fit for you and your family.
Your healthcare journey doesn't end after enrollment. In many ways, that's just the beginning.
