Our commitment to offering cost-friendly health coverage plans extends to your overall cost of care. While health insurance companies in Texas cover their portion of billed medical expenses and leave the rest to you, our plans focus on reducing your overall cost of care.

Let’s say that you have a health appointment with your doctor. Before visiting their office, let us know about your upcoming health visit. Your membership plan includes a personal care advocate who will contact your doctor’s office to negotiate the cost of care before you arrive. You‘ll pay up to $500, which is the amount all Members pay as a part of their health plan agreement. But since the advocate’s goal is to reduce the cost of each health event, you could pay much less. In fact, CrowdHealth has tremendous success with reducing the cost of care by between 30% and 60%.

If you encounter a health event that requires a payment of more than $500, simply submit a funding request to us and we will reach out to the Community to fund your medical bill. The funds that the Community agrees to cover are transferred directly into your Health Funding Account. This enables you to pay for your health event in cash.

What’s great about securing our crowdfunding plan is you don’t have to worry about coverage limitations or claims denials. The Community provides coverage for small and large health expenses. In fact, there is no limit to the amount your crowdfunding health plan will cover. If after we negotiate your cost of care the bill is still large, we’ll negotiate a payment plan that the Community will cover over several months or even several years!

At CrowdHealth, our goal is always to provide health coverage to as many people in Texas as possible. Currently, we offer medical plans for individuals aged 0-64; however, we don’t yet extend coverage to tobacco users or people who weigh more than 270/300 pounds (female/male).

Individuals with pre-existing health conditions are invited to join, but keep in mind that coverage for care associated with these conditions will be limited. For the first year of a Texas Membership plan, a diagnosed or documented health condition won’t be covered. In the second and third years, medical expenses associated with the health condition will receive coverage of up to $25,000 and up to $50,000, respectively. In the fourth and following years of coverage, the plan will pay up to $100,000. Similar limitations apply for associated drug prescriptions, procedures, and treatments.

Members who become pregnant after acquiring a Texas CrowdHealth plan will have their entire pregnancy covered in three phases: 1) prenatal care, 2) labor and delivery, and 3) postpartum care. Pregnant Members must pay $500 for each phase for a total $1,500 commitment. The rest will be covered by the Community. While a pregnant Member is covered under their health plan, their newborn baby will require their own health plan following their birth.