CrowdHealth sees changing the existing health insurance paradigm as a noble mission, and our Members find that we do things very differently. Our plans provide health coverage with no networks, no premiums, no deductibles, and maximal transparency.
First, new Members pledge to make a monthly contribution to our service. CrowdHealth only retains $30 of these pledges to cover administrative costs, with the rest placed in each Member’s savings account for future use. You can use your money on your care or voluntarily fund services for other Members at your discretion to boost your generosity score. Should you ever decide to leave CrowdHealth, your money is refunded to you minus a small cancellation fee.
When you go to a doctor, ask for the cash price of your visit. All doctors offer a cash price even if it isn’t published anywhere because it saves them the hassle of filing health insurance claims, fighting about prior authorizations, and waiting up to four months to get paid. If the quote is $500 or less, you take care of the bill. If it’s more than $500, you pay $500 and then submit a funding request to CrowdHealth for the rest.
While many Florida health insurance companies make submitting claims seem impossible, CrowdHealth makes it easy. All you have to do is download our mobile app, snap pictures of your bills, and click on the “Submit” button.
CrowdHealth facilitates every funding request, so other Members will see your bill and transfer funds directly from their accounts to yours for maximal convenience. If possible, we also ask that you tell us beforehand whenever you need expensive care. Our expert negotiators can frequently get the cost down 30-60% from the initial quote you receive, saving our Members a lot of money. We can negotiate the cost of emergency care after the fact as well.
The best part is that we negotiate a long-term payment plan to make big bills less onerous for our Members. For instance, a $240,000 bill isn’t that bad when 5,000 community Members are contributing $2 per month for 24 months.