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In this post, I am going to review monthly costs (range is dependent on age, individual/family memberships, and the Initial Unshareable Amount), preventative sharing, pre-existing conditions, maternity, turnaround time to pay medical bills, and any special considerations to be aware of.
About CrowdHealth
CrowdHealth is a fairly new company that started towards the end of 2021. They use a crowdfunding model to pay for medical bills in their community. It’s important to know that CrowdHealth is not a Health Share.
CrowdHealth is a for-profit company that has created a new way for people to share in each other’s medical expenses. They are transparent about their pricing and state that 100% of the member’s contribution goes towards the community, but members are paying an additional $25 fee per person that goes towards administrative costs (the $25 fee is included in the quote amount).
Member Responsibility Amounts
Members have a $500 Member Commitment, which is the amount paid by the member per unique health event before expenses are eligible for funding by the community.
Maternity care has a unique Member Commitment of $5,000.
Monthly Contribution Price Range
The price ranges from $175 to $695. If you have 9 or more in your family, there are additional fees for the additional members on the plan. That information is not on their website, and it looks like you would have to contact the company for a personalized quote.
The per-Member contributions you see are monthly maximums. If you and the CrowdHealth Community spend less in a given month, your contribution can be lower than these numbers. When you make healthy and smart spending choices, you and the whole Member Community benefit.
Statement of Faith
None – They accept people of all faiths.
Member Requirements
The CrowdHealth community does not accept tobacco users (which is defined as daily use for a period of 3 or more months – past or present) or those who are considered to be overweight (260 pounds for a female or 300 pounds for a male).
Preventative Sharing
Members receive one annual wellness visit per year, including routine lab work.
Pre-Existing Conditions
For pre-existing health conditions, you are responsible for all costs associated with the condition(s) in the first year. The CrowdHealth Community will contribute up to $25,000 to bills related to pre-existing condition(s) in the second year, $50,000 in the third, and $100,000 in each year after.
Prescriptions are subject to the annual pre-existing condition maximums outlined above.
Maternity
Maternity care has a unique Member Commitment of $5,000.
Medical expenses for childbirth that have an expected delivery date within the first 12 months of membership are not shareable. Normal vaginal deliveries and emergency Cesarean section deliveries have a total Initial Unshareable Amount (IUA) of $5,000. Non-emergency/elective Cesarean section deliveries have a total IUA of $7,500. The standard IUA levels of $500 – $5,000 do not apply for Maternity Needs.
Turnaround Time for Paying Medical Bills
5-10 days
Considerations
CrowdHealth is still a new company. This isn’t a bad thing, but something to consider before joining.
If you are looking for a Health Share to access affordable healthcare, I highly recommend reviewing the Best Health Share Plans.
Write a CrowdHealth Review
Are you a current or former member of CrowdHealth? If you have any experience with CrowdHealth, please write a review! Reading other people’s experiences is a huge when trying to make a decision about which company to join. In fact, over 90% of people will read online reviews before they buy a product or service! Please consider writing a review!
CrowdHealth is Amazing!
I have been a member of CrowdHealth since Nov. 2021. Since then I have participated in their coverage of the Annual Physical and I have had a major surgery (Knee Replacement). I am getting ready to have my other knee replaced at the end of this month. I only paid $500 to be able to have my knee replaced (as well as paying my regular monthly $176)! Because CrowdHealth found a private surgery clinic that was only an hour away from my house… I never had any more bills to handle. The only thing I had to deal with was my physical therapy afterward, which was reimbursed in full. Their Care Advocates are excellent and will help you find the best possible care. They work with many networks to find the best cash price available in your area for anything you need… even if you won’t be meeting that $500 commitment. I highly recommend CrownHealth… They have changed my life!
A smarter approach to healthcare for the self-employed
As a self-employed person, traditional insurance simply was not working for our family of 4. Crowdhealth’s innovative new crowdfunding approach has saved thousands for us and simplified our healthcare experience.
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