Member Guide Updates coming
01-01-2027

Every year, we give the Member Guide a little attention—cleaning up language, clarifying the rules, and making changes based on what we’ve learned from another year of helping Members navigate healthcare.

Here’s what’s changing for 2027.

Annual Wellness: More Flexibility, Same $300

We’re making the Annual Wellness Health Event more flexible.

Instead of submitting only one preventive care service, you may submit multiple eligible preventive services throughout the calendar year, up to a combined crowdfunding maximum of $300.

The $500 Member Commitment will continue to be waived for eligible annual wellness expenses.

Eligible talk therapy services may also be submitted as part of your Annual Wellness Health Event and will count toward the same $300 annual maximum.
*Annual Wellness Events aren't eligible on Black Swan.

Clearer Guide. Fewer “Wait, What Does That Mean?” Moments.

We’re making grammatical, organizational, and plain-language updates throughout the Member Guide. We’re also rewriting portions of the Guide to speak directly to you, so your responsibilities and crowdfunding requirements are easier to understand.

These editorial updates do not change eligibility unless we specifically say so below.

We’re also clarifying when you need to open a health event: before receiving scheduled or potentially expensive care. Giving us a heads-up allows CrowdHealth to help with navigation, fair-price comparisons, or clinical review when appropriate.

Help us help you. It’s a classic.

Virtual Care: Your Couch Is Still an Acceptable Waiting Room

Eligible virtual primary care and virtual urgent care visits may now be received from any licensed provider. HealthTap will also continue to be available through the CrowdHealth app.

Virtual care visits may be submitted for crowdfunding without first meeting the $500 Member Commitment, up to $129 per visit.
*Virtual Care is not eligible on Black Swan except as a part of an eligible standard health event.

Talk Therapy: Moving Under Annual Wellness

Beginning January 1, talk therapy will no longer be eligible for crowdfunding as a Virtual Talk Therapy health event.

You may still have access to discounted talk therapy options through CrowdHealth’s Member resources.

Eligible talk therapy services may also be submitted through your annual wellness health event, subject to the combined $300 annual wellness maximum.
*Annual Wellness Events aren't eligible on Black Swan.

Diagnostic Care: Testing Needs a Game Plan

Finding a diagnosis can take time, but testing shouldn't continue indefinitely without a clear plan. This guideline helps protect you and the Crowd from open-ended testing that racks up costs without a documented path forward.

Ongoing diagnostic care must document what is being investigated, the purpose of testing, and the provider's plan for next steps.

After 12 months without a diagnosis, a Clinical Review may be required to confirm that medical records clearly document the condition or symptoms being investigated, the purpose of the testing, and the provider’s plan for evaluating the results and determining next steps, before additional crowdfunding is eligible.

PT, OT, Speech, Pelvic Floor & Chiropractic: Treating, Not Maintaining

Physical therapy, occupational therapy, speech therapy, pelvic floor therapy, and chiropractic care must actively treat a specific illness, injury, impairment, or functional limitation associated with a valid health event.

Maintenance care, general wellness care, performance enhancement, routine stretching, and care primarily intended to maintain your current level of function are not eligible for crowdfunding.

Eligible services will be limited to 15 visits per health event.

Need more than 15? That doesn’t automatically mean “no.” CrowdHealth may require a clinical review to determine whether additional treatment expenses remain eligible.

As always, eligible services are subject to fair-market pricing and any other requirements of the Member Guide.

Type 2 Diabetes: A Different Path Forward

Beginning January 1, Type 2 Diabetes care will no longer be eligible for crowdfunding through CrowdHealth’s Original or BlackSwan products.

If you’re diagnosed with Type 2 Diabetes and want help from the Crowd, you’ll need to move to our Exit Diabetes product and participate in a Diabetes Reversal program.

The goal isn’t simply to pay for diabetes forever. We want to help you reverse it.

Cataract Surgery: Standard Lens, Standard Comp

When determining fair-market pricing for cataract surgery, CrowdHealth will use comparable procedures that include a standard cataract lens.

Fancy lens upgrades? Those won’t set the Crowd’s fair-market price.

Member Conduct: Don’t Be a Jerk

We love spirited conversations. We can handle disagreement. And we know healthcare can be incredibly frustrating.

What we won’t accept is abuse.

Members must communicate respectfully with CrowdHealth team members, partners, healthcare professionals, and other Members.

Threatening, aggressive, harassing, discriminatory, or abusive language or behavior—including personal or legal threats is not permitted.

Engaging in this behavior may result in termination of your Membership.

Bottom line: disagree with us, challenge us, appeal a decision, ask hard questions—we’re here for all of it. Just treat the humans on the other side of the conversation like humans.

Advocacy Fee: A $5 Change

Effective January 1, 2027, the monthly Advocacy Fee will increase from $60 to $65 per Member.