You can use annual wellness funds for dental or vision visits. Each member gets one annual wellness event per year, up to $300, that is eligible for crowdfunding without the usual $500 member commitment. Eligible visits include a primary care wellness exam or physical, pediatric well-child visits, a direct primary care membership fee, an annual gynecological exam and labs, a dental exam with cleaning and X-rays, or a vision exam.

A few things are not eligible, including cosmetic procedures, long-term prescriptions, and fertility or infertility treatments. Anything tied to a pre-existing condition is not eligible during your first and second years of membership, and funding for those conditions is limited in later years.

The platform is built so that members' eligible bills can be funded each month. For large planned bills like surgery, the cost is negotiated down to a 30 to 60 percent discount before the procedure. For large emergency bills, our partners help negotiate after the fact. There is no maximum on the healthcare costs you can share with the community.

For a standard appointment, ask for the cash price and pay the bill. For any health event over $500, you commit to the first $500 and submit a funding request for the rest. For scheduled services like labs, imaging, or surgery, let us know ahead of time so we can contact your provider and help negotiate pricing. For emergencies, reach out before you pay so our partners can help negotiate the bill first.

Costs tied to a previously diagnosed or documented condition are not eligible for crowdfunding in your first or second year. Starting in your third year of membership, up to $25,000 per year in bills related to those conditions can be submitted for crowdfunding.

Maternity care is eligible from your whole pregnancy through your baby's birth and beyond. All three phases, prenatal, labor and delivery, and postpartum, are combined into a single Global Pregnancy health event with a $3,000 member commitment. Your baby's standard newborn care for the first six months is a separate health event with a $500 member commitment, and it is included in the baby's membership once they are added after birth. If your baby gets sick or has complications, that is treated as a separate health event.