Frequently Asked Questions

How does it work?

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Read about how healthcare crowdfunding works here.

How much is it?

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Check out our pricing here.

Can anyone join?

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Almost! The Community is not currently open to tobacco users (defined as daily use for a period of 3 or more months, past or present) or those who weigh over 270/300 pounds (female/male). We want the CrowdHealth Community to be a place for anyone looking to improve their health and contribute through the Member Community, so we hope to add an option for people with more varied health histories soon.

How do you handle pre-existing conditions?

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For pre-existing health conditions, you are responsible for all costs associated with the condition(s) in the first year. The Community will contribute up to $25K to bills related to pre-existing condition(s) in the second year, $50K in the third, and $100K in each year after. Prescriptions for your pre-existing conditions are not subject to the 120-day limit but are subject to the annual pre-existing condition maximums outlined above. 

How do I pay for big healthcare events with CrowdHealth?

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The CrowdHealth platform is designed to maximize the probability that all Members’ eligible bills can be funded in full each month. For big, planned bills (like expensive surgeries), we’ll negotiate the cost to a 30-60% discount before the procedure event happens. For big emergency bills, we’ll negotiate them after the fact and set them up to be paid by the Community over 12, 24, or 36 months. So, a huge $500,000 bill after a cardiac arrest and hospital stay could come down to $240,000, divided by 24 months and 5000 Community Members, and amount to just $2 of funding from Member contributions per Member each month over the two-year payment period. There is no maximum amount of health care costs you can share with the Community. The CrowdHealth platform is designed to maximize the probability that all Members’ eligible bills can be funded in full each month. You can learn more in the Member Guide.

What is not eligible for funding?

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Check out the list here.

How do I pay my doctor with CrowdHealth?

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Check out our How It Works page.

Why can’t you guarantee funding?

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Check out why CrowdHealth isn't insurance here.

Can I see any doctor?

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Yes, any doctor. Period.

Do you count as health insurance for states that have individual mandates?

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No, your CrowdHealth Membership does not satisfy a federal or state individual Minimum Essential Coverage (MEC) mandate. If you live in a state (e.g. California, District of Columbia, Massachusetts, New Jersey, Rhode Island, Vermont) with a state-level individual MEC mandate, you are responsible for securing that coverage independently from your CrowdHealth Membership. Check out some helpful links here.

Do you offer vision and dental?

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Not at this time. If you’d be interested in CrowdHealth when we offer funding for vision and dental please submit your email address and we’ll keep you posted. 

How is funding for pregnancies handled?

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Member maternity care that is eligible for funding by the Crowd includes your whole pregnancy through birth and beyond. The three phases of your pregnancy represent three separate health events, each with a $500 Member Commitment:

1) prenatal care,
2) labor and delivery, and
3) postpartum care. 

Therefore you will pay the first $500 of each of these events ($1500 total) then we will solicit funding from the Crowd for the rest. 

Your child’s newborn care (first six months) is a separate health event from maternity and is included in the baby’s Membership when added as a new Member after birth.

Please note that if you’re pregnant before you join as a Member, determined by your due date compared to your Membership activation date, your maternity care is not eligible for funding by the Community, and your baby’s health care will not be eligible either until six months after birth. If you have any question that you are already pregnant, please consider an alternative to CrowdHealth. We want to care well for you and your family, but the Community cannot fund maternity care for new Members who join knowing they are already pregnant with a plan to bring these significant medical costs to the Community soon after joining.

Can I use an HSA with CrowdHealth?

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Since CrowdHealth isn’t insurance, you cannot contribute to an HSA with our plan. This may be an option in the future, in the meantime, and you can still expect to save hundreds to thousands of dollars a year on your health costs. If you have existing money in an HSA account, you could use that to pay for your medical bills that fall within the $500 Member Commitment (each Member pays up to $500 per unique health event before expenses are submitted for Community funding). However, existing HSA dollars could not be used to pay your monthly subscriptions or contributions to CrowdHealth.

How do prescriptions work?

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Prescriptions related to a specific health event that occurs while you are a Member are eligible for funding by the Community for 120 days after that event. For prescriptions lasting longer than 120 days, you are responsible, but regardless of the timeline, you have access to our pharmacy discount partner, which reduces your prescription costs by 50-60%.

Still have questions? Schedule a call with us.

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