Q: Does my CrowdHealth Membership satisfy a state or federal individual insurance mandate?
A: 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.
Q: How do I schedule a doctor appointment using CrowdHealth?
A: When you need to schedule a doctor appointment, CrowdHealth’s platform is the place to start. We’ll help you find great care at fair rates, whether through our Clinical Community or a doctor you already love, and we’ll coordinate a great price and easy payment process for you. And for those times you need unplanned urgent or emergency care, we’ll handle the care coordination on the back end. Our Care Advocates are here to help you get the high-quality health care you need, when you need it.
Q: Can I contribute to an HSA using CrowdHealth?
A: 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.
Q: What about big health events?
A: There is no maximum amount of health care costs you can share with the Community. We have set up a system to allow the Community to absorb very large medical expenses.
Q: What are some examples of treatments and procedures that are not eligible for funding by the Community?
A: To protect the Community from excessive expenses, certain conditions and treatments are limited or excluded from funding by the Community—things like alternative treatments, fertility, vision, dental, preexisting conditions over a certain cost, and anything medically unnecessary. Memberships currently don’t include mental health care, but we look forward to expanding what we can be funded by the Community as we grow. For a more complete list, see the Member Guide.
Q: What about my prescriptions?
A: 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%.
Q: What if I have a pre-existing condition?
A: For any pre-existing condition, you are responsible for all costs associated with that pre-existing condition in the first year. The Community will contribute up to $25K of bills related to that pre-existing condition the second year, $50K the third, and $100K each year after.
Q: What do you mean by monthly subscription?
A: In addition to the amount contributed to the Community each month, every Member pays a $25 monthly subscription. This covers our operational costs so every penny of your monthly contribution goes directly to reduce the healthcare costs of the CrowdHealth Community.
Q: Why is my contribution to the Community lower this month?
A: The per-Member prices are monthly maximums. If you and the Community spend less in a given month, your contribution will be lower than these numbers. When you make healthy and smart spending choices, you and the whole Member Community benefit.
Q: I still don't get how this is so cheap. What will you do if a Member has a massively expensive medical bill that's more than the Community can afford?
A: CrowdHealth is designed so all Members’ eligible bills can be paid in full each month. We still want to be prudent with a plan for months where the Community’s bills exceed the money in from contributions, so CrowdHealth utilizes a secure third-party to direct payments to the clinicians who provide our Members care. 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 pay them 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 Crowdfunding per Member each month over the two-year payment period.
Q: Do you accept everyone?
A: Almost! The Community is not currently open to smokers (past or present) and those who weigh over 260/300 pounds (female/male). We want the CrowdHealth Community to be a place for anyone looking to improve their health and support our Member Community, so we hope to add an option for these folks soon.