Emergency Room
ER visits eligible for sharing after you meet your IUA. Use any hospital — no network restrictions.
After IUAWhat Plus Adds
For the big moments, not the routine ones
Your Gold or Platinum membership handles everyday care. Plus extends that with cost sharing for major medical events — the kind of things that used to mean a phone call to the insurance company.
Hospitalization & Surgery
Inpatient stays and outpatient surgery covered through cost sharing after the IUA is paid.
After IUAAmbulance Services
Ground and air transport when it’s tied to an eligible medical need.
After IUAMaternity
Prenatal, delivery, and postnatal sharing once you’ve been a Plus member for six months.
6-month waiting periodHow It Works
Three steps. That’s the whole model.
Plus uses a medical cost-sharing model — not insurance. You pay your IUA once per medical need, and the community shares eligible expenses above that.
01
Pick your IUA
Choose $1,250, $2,500, or $5,000 at signup. Lower IUA means a higher monthly amount — higher IUA means a lower monthly amount.
02
Pay your IUA for an event
When a major eligible event happens — ER, hospital stay, surgery — you pay your selected IUA first. One IUA per medical need.
03
The community shares the rest
Eligible expenses above your IUA are shared by the medical cost-sharing community. No annual or lifetime cap on the amount that can be shared.
Your Deductible
Three IUA levels. Pick what fits your household.
The IUA (Initial Unshareable Amount) is what you pay per medical need before cost sharing kicks in. You can change your IUA once per membership year.
Option A
$1,250
Lower out-of-pocket per event
- Highest monthly amount
- Smallest amount per event
- Best for households that prefer the lowest IUA
Option B
$2,500
Balanced choice
- Mid-range monthly amount
- Moderate amount per event
- Best for most households
Option C
$5,000
Lower monthly cost
- Lowest monthly amount
- Largest amount per event
- Best if you want lowest fixed cost
Available On
Gold + Plus or Platinum + Plus
Pick the tier that matches how you use everyday care, then add Plus for the major events. Plus is not available on Silver.
Gold
+ Plus
In-person routine care plus major-event sharing.
From Gold
- $0 preventive visits
- $25 primary & specialist visits
- $50 urgent care, labs, X-rays
- Nationwide PPO network
Plus adds
- Emergency room sharing
- Hospitalization & surgery
- Ambulance services
- Maternity (after waiting period)
Platinum
+ Plus
Virtual + in-person care plus major-event sharing.
From Platinum
- Everything in Silver and Gold
- 24/7 virtual urgent care
- 27,000+ included medications
- $25 in-person office visits
Plus adds
- Emergency room sharing
- Hospitalization & surgery
- Ambulance services
- Maternity (after waiting period)
Things to Know
The fine print, plainly stated
A few rules that come with the cost-sharing model. Worth understanding up front so there are no surprises.
No annual or lifetime cap
No ceiling on the amount of eligible expenses that can be shared with the community.
Any doctor or hospital
For major events covered by Plus, you can choose any provider — no network restrictions.
Pre-existing conditions phase in
Conditions treated within 24 months prior to enrollment phase in over the first few membership years.
Maternity waiting period
Conception must occur after six months of continuous Plus membership for maternity sharing to apply.
Tobacco surcharge
Households with one or more tobacco users pay an additional $105 per month.
Three IUAs max per year
A household won’t be responsible for more than three IUAs in a rolling 12-month period.
Ready when you are
Add Plus to your plan
Choose your tier, pick your IUA, and check out in a few minutes. Plus starts at $311.00/mo.
Have questions about Plus?
Our team can walk through eligibility, IUA selection, waiting periods, and how sharing works for your situation.