Medical Cost
Sharing

1

A solution to manage unexpected, large medical costs. Each month, our Members contribute to a Community Fund. The Community shares the costs of eligible medical expenses with individual Members that have a Need, after the Member pays for the amount they are responsible for. No profit is made on excess funds, they simply stay in the Fund ready for sharing with Members.

Concierge
Service

2

Every Member has access to Concierge service to assist them in utilizing services, locating healthcare providers, direct and virtual primary care, price shopping for medical care, price shopping for prescription medication and more. Because ease of use, transparency, and cost savings for our Members is essential.

Member Advocacy Team

3

We empower our Members to be educated and responsible for their health, but we could all use a little help. Out Member Advocates walk you through Managing medical Needs, as well as Medical Bill Negotiation on your behalf. We’re with you every step of the way

Freedom Of
Provider Choice

4

With Knew Health you will not be limited by networks. You have the freedom to choose your healthcare providers and your care. So no matter if you change jobs or you travel about the country, you get the care you choose and deserve.

Sharing
Out-Of Country
Expenses

5

As long as the medical Need meets the Guidelines for Medical Cost Sharing, these costs can be shared regardless of where they happen, even outside of the country.

Month-to-Month
Commitment

6

There are no contracts or required lengths of Membership. So if you change jobs, move, or have other life changes, we adapt with you. That’s flexibility.

24/7
Telemedicine

7

Consult with a licensed physician in your state via phone or video chat at any time for your health concern or a family member’s within minutes. That’s 24/7 and 365. Unlimited utilization with $0 consultation fees. There are even additional dermatology and behavioral health services. So you can avoid unnecessary trips to the ER or urgent care.

Free Health
Coaching

8

Every Member receives free, personalized Health Coaching sessions every year to support you in achieving your health and wellness goals. Whether your goals are to sleep better, eat better, incorporate more exercise, or have a more positive outlook on life, our Health Coaches will help you set goals and create steps to help you achieve and maintain your goals.

Highly
Discounted
Lab Work

9

Whether you are doing proactive testing or have directions from your provider, you can save big on individual tests, panels, and specialty kits.

Bill
Negotiation

10

The Bill Negotiation Team negotiates medical bills down to ensure that a fair and reasonable price is achieved. This not only ensures that the Medical Cost Sharing Community is sharing in the most reasonable price, but also ensures the lowest price for each individual Member.

Free
Life Coaching

11

Every Member receives free, personalized Life Coaching sessions every year to support you in achieving your life goals. Whether your goals are related to work, aspirations or relationships, our Life Coaches will help you set goals and assist in steps to help you achieve and maintain your goals.

Discounted Health and Wellness Classes

12

Whether you’re looking to try guided yoga, meditation, or qigong classes, you’ll get access to these and more with your Knew Health Membership.

35% Off
Supplements

13

You'll get access to 300 top brands, like Ortho Molecular and Pure Encapsulations, and over 20,000 health products, all at a 35% discount on MSRP, shipped right to your door.

Expert
Second Opinions

14

You'll be able to consult with expert physicians to ensure that any new diagnoses or procedures are necessary and appropriate, giving you peace of mind and savings. When our Members utilize Second Opinions, the financial amount they are responsible for will be reduced with eligible medical Needs.

Educational
Resources

15

As a member you will receive educational resources on the topics of Diet & Nutrition, Fitness & Strength, Mindfulness and Goal Planning. Health is not strictly physical, but also emotionally and mentally. Our goal is for our Members to achieve holistic wellness.

Inclusive

16

With Knew Health there are no faith requirements, as there are with other Medical Cost Sharing groups. Simply enjoy the benefits of Medical Cost Sharing and being a part of a like-minded Community devoted to living a healthy lifestyle.

No Sharing Caps
or Maximums

17

There are no lifetime maximums, monthly caps, or other limitations on how much funding can be shared with a Member. And the amounts you are responsible amounts do not reset for existing Needs each year. You can continue to share in medical Needs that are ongoing, until they are resolved.

Maternity

18

Maternity costs are eligible for Medical Cost Sharing with our Community as long as the estimated date of delivery is 1 year or after your Knew Health Membership begins. Maternity costs like prenatal care, delivery, postnatal care, and miscarriage are eligible for sharing regardless of marital status.

Special Savings
for Small to Medium
Sized Businesses

19

Businesses can save $1,500 per year or more, per employee by offering Knew Health Membership as an alternative to your existing Health Insurance options. Our model is simple and easy to use. The employees save too! Let us show you how.

Monthly Advantages Your Future Self Will Thank You For

Members save 30% to 70% on monthly healthcare costs.

See Knew Health from a Business Perspective

Knew Health
Membership
Advantages

Understand some of the ways that Knew Health Membership is different.

Comparison Chart

Other
Cost Sharing

Your Alternative

Medical Cost
Sharing

Concierge Service

Member Advocacy

Freedom of Provider Choice

Sharing of Out-of-Country Medical Expenses

Month-to-Month Commitment

24/7 Telemedicine

Free Health
Coaching

Highly Discounted Lab Work

Bill
Negotiation

Free Life
Coaching

Discounted Health and Wellness Classes

35% off Supplements

Expert Second Opinions

Educational Resources

Inclusive (no faith requirements)

No sharing caps or maximums

Maternity sharing regardless of marital status

Special Savings for Small to Medium Sized Businessess

Pricing

Starting at $142/month

$-$

$$$-$$$

GET YOUR PRICING

Get Value Every Month

Every month your money is being put to work. You will get to enjoy many member perks that will keep you healthy and save you money.

Medical Cost
Sharing

1

If medical needs happen, your expenses are shared through this Community fund.

Health
Coaching

2

Two annual personal sessions with a certified Health Coach to help you reach and maintain your goals.

24/7
Telemedicine

3

Consult with a conventional physician via phone or video chat at any time for your health concern or a family member’s, including dermatology and behavioral health concerns.

Discounted
Lab Work

4

Whether you are doing proactive testing or have directions from your provider, you can save big on individuals test, panels, and specialty kits.

Bill
Negotiation

5

Our team works to reduce individual bills for you, as well as reducing the overall cost for the sharing community, with a 55% average cost savings.

Life
Coaching

6

Complimentary life coaching every year from our exclusive network of Knew Health Coaches. Our coaches will help you identify your goals and develop an actionable plan to achieve them.

Qigong
Classes

7

Knew Health members get access to free e-book and 50% off of Qigong for Beginners classes. Gentle practices of movement, visualization, sound, breathing, and conscious intention

Discounted Supplements

8

You’ll get access to 300 top brands and over 20,000 health products, all at a 30% discount on MSRP.

Expert
Second Opinions

9

You’ll be able to consult with expert physicians to ensure that any new diagnoses or procedures are necessary and appropriate, giving you peace of mind.

Knew Health In Action

What If I Get Appendicitis?

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Jennifer had acute appendicitis and was taken to the ER for emergency surgery, where she spent 1.5 days in the hospital and received: ultrasound, surgery, post-surgery care. Then she has follow-up visits.

What If I Get Pregnant?

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As long as the estimated date of delivery is 12 months or later from your start of Membership with Knew Health, your maternity costs will be shareable should they exceed the $5000 Maternity IUA. This includes expenses for prenatal care, delivery, postnatal care and miscarriage. This would also include any pregnancy or birth-related complications of the mother. The maternity IUA can be reduced by 50% for utilizing a birthing center, which Member Services can assist in locating quality birthing centers near Members.

What If I Get Cancer?

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If the new cancer diagnosis occurs after becoming a Member, this is a new illness. These costs are eligible for sharing once the costs exceed the Member's IUA. If diagnostic care was needed to confirm the diagnosis, these costs will be eligible for sharing as a part of the cancer Need.

What If I Break My Leg?

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If you were in a biking accident and required emergency transportation to the ER, undergoing diagnostics, treatment, physical therapy, and prescription medication, these costs associated with the injury are eligible for sharing after the Member's IUA has been met.

Knew Health Medical Cost Sharing Process

1

Select Your Initial
Unsharable Amount

2

Maintain Your
Health & Wellness

3

Encounter Unexpected
Medical Needs

4

Get Covered and only Pay Your Initial Unsharable Amount

Select Your Initial Unsharable Amount (IUA)

This is the amount that you will be responsible for if you have a medical need. Each month you will contribute your affordable share to the Medical Cost Sharing Community Fund  which will help pay both the medical bills of yourself and other members.


The Initial Unshareable Amount occurs per individual Need, but these are capped to limit the impact on you. Individuals will pay no more than 3 IUAs per year. Families will pay no more than 5 IUAs per year.

Maintain Your Health & Wellness

As a positive, wellness-focused Member, you’ll gain access to free and personalized health coaching, discounted supplements, and 24/7 telemedicine on a regular basis. By devouting ourselves to holistic wellness, we’re more likely to avoid chronic, expensive health conditions.

Deal with Unexpected Medical Needs

As a savvy Knew Health Member, you know that unexpected injuries, like a broken leg, are eligible for Medical Cost Sharing. So you compile your medical bills and submit them for sharing online through your Knew Health Portal

These medical costs are then reviewed to confirm they are eligible for sharing. Once that's confirmed, the Bill Negotiation steps in, averaging 57% reduction in medical bills.

Pay Your Initial Unsharable Amount (IUA)

You’re responsible for your Initial Unshareable Amount. So you’re ready to cover this portion of your costs and the Medical Cost Sharing Community shares the remaining balance with you. You pay your medical bills and you’re all set! Back to your healthy lifestyle, while you continue to help other Members in their times of medical need too.

A Clear Overview of Shareable Costs

Shareable

New illnesses

New injuries

Alternative medicine can be shared with the Community, but requires prior written approval and varies on a case-by-case basis.

Costs that occur Abroad:
As long as the medical Need meets the Guidelines for sharing, these costs can be shared regardless of where they happen.

Immunizations for children under 18. Maternity costs including prenatal, delivery, postnatal are shareable after 1 year of Membership

Standard screenings like mammograms and colonoscopies*.

* Some limitations may apply, contact us with any questions.

Not Shareable

Expected costs are not shareable. These include general wellness, preventive care, maintenance medication.

Some pre existing health conditions will have limitations on sharing while others can become partially eligible for sharing after the first year on an incremental scale.

Not shareable? Not a problem.

If 3 out of 7 community members deem your need sharable, then it is shareable.

There are no lifetime maximums, monthly caps, or other limitations on how much funding can be shared with a Member

A Clear Overview of Sharable Costs

Sharable

New illnesses

New injuries

Alternative medicine can be shared with the Community, but requires prior written approval and varies on a case-by-case basis.

Costs that occur Abroad:
As long as the medical Need meets the Guidelines for sharing, these costs can be shared regardless of where they happen.

Immunizations for children under 18. Maternity costs including prenatal, delivery, postnatal are covered after 1 year of membership,

Standard screenings like mammograms and colonoscopies*.

* Some limitations may apply, contact us with any questions.

Not Sharable

Expected costs are not covered. These include general wellness, preventive care, maintenance medication.

Some pre existing health conditions will have limitations on sharing while others can become partially eligible for sharing after the first year on an incremental scale.

There are no lifetime maximums, monthly caps, or other limitations on how much funding can be shared with a member

Jennifer’s Appendix Removal Timeline

Jennifer Set up Consultation through 24/7 Telemedicine

Set up Hospital Charges as Self Pay

Uploaded Invoices to Member Portal to Submit for Sharing

Medical Costs Totaled: $59,000 for 1.5 Days in Hospital

Bill Negotiation Team Brings Medical Costs Down From $59,000 to $3,100

Jennifer was only responsible for her $500 IUA, the community deposited the remaining balance within 30 days.

LEARN MORE ABOUT MEDICAL COST SHARING

A Community That Has Your Back

Run into medical challenges where you need financial support, but the cost isn't deemed shareable? You can appeal the decision and if 3 of 7 Community Members agree, then your costs can be shared.

The Bigger the Community,
the Bigger the Difference.

By joining Knew Health, you put more money in your pockets and more money in the pockets of other Members. Join a rapidly growing Community.

M

31

Medical Bills Processed

%

176

Member Growth Year Over Year

%

52

Cost Saving with negotiations

John James
Roy Thompson
Dane Johnson
Sam Knight
Andy Miller
Dana Richards
Amanda Holmes
Lori Parker
Jane Shaw
Jay Wilson
Kari Jones
Chris Donaldson

Access to Experts for every area of your Health

Members enjoy free health and wellness coaching & education.

Diet & Nutrition

Fitness & Strength

Yoga & Mindfulness

Life Coaching & Planning

Become a member

New Possibilities with Knew Health

With how much you're saving with Knew Health, routine expenses, like annual physicals, can be planned and saved for, just like you would for regular car maintenance.

Invest in things like:

More nutritious and healthier foods

Health and fitness classes

Coaching and preventative practices

Unlock Healthcare Freedom

Being a direct-pay patient, you'll choose your healthcare provider without limitations of networks and you'll have transparency to costs ahead of time.

Get second opinions from your expert of choice

Choose the right treatment option for you

Functional and alternative medicine options

Preferred by 9/10 Doctors

Invest in a Healthier You.

Join the Community