Medical cost sharing is an increasingly popular alternative to traditional health insurance. Despite its growth, there are still many misconceptions about how it works. At MPB Health, we want to help you separate fact from fiction so you can make the best healthcare decisions for yourself and your family.
Myth 1: Medical Cost Sharing Is the Same as Health Insurance
Reality: While cost sharing plans offer financial support for medical expenses, they are not insurance. Unlike traditional insurance, medical cost sharing is a community driven model where members share eligible medical costs directly with one another.
Myth 2: You Can’t Use Cost Sharing for Major Medical Needs
Reality: Many believe that medical cost sharing only covers minor health expenses. In fact, MPB Health members can share eligible major medical costs, including surgeries, hospital stays, and chronic condition care, depending on the plan.
Pro Tip: Always review your membership guidelines to understand which medical expenses are eligible for sharing.
Myth 3: You Can’t Choose Your Provider
Reality: Unlike traditional insurance plans that often restrict you to a narrow network of doctors and hospitals, medical cost sharing offers far more freedom of choice.
With MPB Health, members have no network restrictions and can see any provider. This means you don’t have to worry about being “out-of-network” or paying inflated costs just because your doctor isn’t on a list.
(Please note: Plans that include Minimum Essential Coverage benefits do follow a network since these services are provided at no cost).
Myth 4: It’s Only Religious Based
Reality: While many of the earliest health sharing organizations were faith-based, modern medical cost sharing has expanded far beyond religious boundaries.
MPB Health, for example, has no religous affiliation. Our memberships are designed for anyone seeking an affordable and community-centered alternative to traditional insurance—regardless of faith or background.
Myth 5: It Doesn’t Include Holistic Care
Reality: Depending on your membership, many medical cost sharing communities include holistic and integrative care after approval.
At MPB Health, eligible members may have access to services such as:
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Chiropractic care
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Massage therapy
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Physical therapy
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Alternative/integrative treatments
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Acupuncture
How MPB Health Makes Cost Sharing Work
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Affordable Memberships: Flexible plans designed for individuals, families, and self-employed members.
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Virtual Care Integration: Access telehealth services for everyday medical needs.
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Community Support: Members actively contribute to healthcare costs.
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Simple, Transparent Process: Clear rules for sharing medical expenses and understanding your benefits.
Medical cost sharing is not a myth—it’s a modern, community-driven way to make healthcare more affordable. By debunking common misconceptions, we’re here to help you understand how this alternative can fit your lifestyle, budget, and healthcare needs.
Disclaimer:
The content provided in this article is for informational and educational purposes only and is not intended as medical advice, diagnosis, or treatment. Always consult a qualified healthcare professional before making any changes to your health regimen, starting new therapies, or discontinuing existing treatments. Mention of specific practices, therapies, or organizations does not constitute an endorsement. The views expressed are those of the author and may not reflect the policies or positions of any affiliated entities.