How Your Bills Get Funded
CrowdHealth reverses the insurance model. Contributions to the Community are treated as your money, not ours.
With CrowdHealth, everything becomes simple and transparent -- where bills are funded super fast, and we help you find high-quality, fairly priced care.
Your per-event commitment
The CrowdHealth Community operates without the burden of an annual health insurance deductible. Deductibles can mean you pay $3,000, $5,000, or even $10,000+ in health expenses for your family before your coverage kicks in at all. But with CrowdHealth, your Membership means you’re cared for right from the start.
With each health event (whether something small, like getting the flu, or something big, like a surgery or hospital stay), you commit to paying the first $500. For many health events, your bill(s) will total much less than $500 – for example, a standard doctor’s visit and prescription are likely to cost you less than $200 for an event. But, for larger events, like a cancer diagnosis, your commitment is to pay the initial $500, and all expenses over $500 will be submitted to the Crowd for funding.
And, more good news: the Community waives your $500 Member Commitment for an annual wellness visit with a primary care practitioner or pediatrician per Member.
For more about how CrowdHealth’s structure and the $500 Member Commitment help you save on your healthcare expenses, big and small, see the Member Guide.
When I go to the doctor for my annual visit
For these appointments, you will inform your doctor that you are a cash pay patient and pay the doctor at the time of your visit. Then, in the CrowdHealth app, take a picture of your bill, and we’ll submit it to the Crowd for funding. It takes approximately five business days for the Crowd to fund those bills, keeping the process quick and smooth for you. The CrowdHealth Community waives $500 initial Member Commitment for annual wellness visits with a primary care doctor or your child’s pediatrician, which helps the whole Crowd stay healthy. Read more about your wellness visits in the Member Guide.
When I go to the doctor for an illness or injury
For these appointments, you will notify your doctor that you are a cash pay patient and pay the doctor at the time of your visit. Then, in the CrowdHealth app, take a picture of your bill. Any amount over the $500 Member Commitment will be submitted to the Crowd for funding.
Each new illness or injury is considered one health event, so any subsequent care required for this illness – things like labs, radiology, follow-up visits, pharmacy, and referrals – are included as part of the event. You commit to paying the first $500 for each event, and any amount over $500 will be submitted to the Crowd for funding. It takes approximately five business days for the Crowd to fund those bills, keeping the process quick and smooth for you.
When I fill a prescription
Use your CrowdHealth digital prescription discount card to get major discounts at over 5,000 pharmacies nationwide (including every major US pharmacy chain). You will show your digital RX card to get a great price and pay for your prescription at checkout. Whatever you pay counts toward your $500 Member Commitment for the health event, so you can submit this through the app like any other bill, and anything over $500 for the health event goes to the Crowd for funding. Please see the Member Guide for more prescription details.
If I have a scheduled expensive procedure
Let your Care Advocate know about the procedure you need ahead of time, so you can receive quality support throughout the process. As always, you have the freedom to see the doctor of your choice, whether it’s one you already love or a new, high-quality, fairly priced practitioner we help you find.
If I have an unscheduled expensive procedure
If you go to the emergency room, you will let them know you are a cash pay patient and should be billed afterward (usually about 30 days after your visit). Once you receive your bill, in the CrowdHealth app, take a picture of your bill and submit it to us. You will pay the first $500 of the bills related to the event., and we will negotiate with the hospital on your behalf, submit the bills to the Crowd for funding, and pay the hospital directly.
If I'm pregnant
Different OBGYN offices bill in different ways. Some charge an upfront fee for the entirety of the maternity journey. Others bill you as they go. In either case, your Care Advocate will work with you to make sure your care is priced fairly, and your doctor is paid quickly. No matter how your practitioner bills, as with other health events, you will pay the first $500, and we’ll submit the remaining to the Crowd for funding.