Membership educationA community helping with eligible medical needs
Caring & Sharing describes a membership in which members make monthly contributions that are placed in a member escrow account and used to share eligible medical needs according to the current Membership Guidelines.
Members contribute monthly
Monthly contributions help make funds available for eligible medical needs submitted by other members.
Contributions enter escrow
Contributions are held in a member escrow account and administered according to the Membership Guidelines.
Eligible needs are processed
After review, eligible amounts may be transferred directly to the member's healthcare provider from the membership escrow account.
What the member experience can look like
The Caring & Sharing brochure presents the process as a sequence involving the member, provider, Caring & Sharing, and the membership escrow account.
Visit your provider
Members may use providers of their choice and can use the network information associated with the membership.
Show your virtual membership ID card
The card identifies the member and includes billing and submission instructions.
Confirm eligibility when appropriate
For non-emergency procedures, a provider may request an advance opinion of eligibility.
Provider submits the medical need
Medical needs are submitted to Caring & Sharing for processing under the Membership Guidelines.
Explanation of Sharing
The member and provider receive documentation explaining how the submitted need was processed.
Eligible funds may be transferred
Eligible amounts may be transferred to the provider from the membership escrow account.
Questions to review before joining
Member Responsibility Amount
Review the amount a household is responsible for before eligible medical needs may be shared.
Eligibility and guidelines
Sharing decisions, limits, waiting periods, and eligibility are controlled by the current Membership Guidelines.
Provider and submission process
Understand how providers submit needs, when advance opinions are recommended, and what responsibility remains with the member.
Caring & Sharing is not insurance. Members are self-pay patients. Medical-bill sharing is not guaranteed, and all eligibility and sharing decisions are governed by the current Membership Guidelines.
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