Step 1: Contribute - Members make a low monthly contribution to be part of CrowdHealth.
Step 2: Go to the Doctor - You go to the doctor, ask for the cash price, and pay the bill.
Step 3: Submit Your Bills - Submitting bills is super simple. Just snap a photo, upload to the mobile app, and hit submit!
Step 4: CrowdFund - CrowdHealth facilitates Member funding requests, so bills are crowdfunded smoothly and quickly.
Ages 0-5: $225 per month
Ages 6-54: $175 per month
Ages 55-64: $325 per month
Families of 4 to 8: $695 per month
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.
For pre-existing health conditions, no costs associated with the condition(s) are eligible for crowdfunding in the first year. In the second year, up to $25K to bills related to pre-existing condition(s) may be submitted for crowdfunding; this grows to $50K in the third year, 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.
The CrowdHealth platform is designed to maximize the probability that all Members’ eligible bills can be funded 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.
Examples of procedures and treatments that are not eligible for funding include (but are not limited to): alternative therapies, cosmetic procedures, long-term prescriptions, fertility treatments, vision, and dental.
Procedures and treatments tied to a pre-existing conditions are not eligible for funding in year one of your Membership, and funding is limited in subsequent years.
When you go to the doctor, ask for the cash price and pay the bill. For health events greater than $500, you commit to funding the first $500 and can submit a funding request to CrowdHealth for anything over that amount.
For scheduled services, let us know ahead of time. We can contact your doctor and help negotiate pricing before you go.
Check out why CrowdHealth isn't insurance here.
Yes, any doctor. Period.
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.
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.
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.
You will pay the first $500 of each of these events ($1500 total), then CrowdHealth will facilitate crowdfunding 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 Crowd, 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 Crowd 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 Crowd soon after joining.
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.
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%.