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Each medical incident is treated as a “Need”. Where once the IUA is met, the community shares medical expenses until the member is symptom-free for 12 months.
The member is responsible for up to 3 IUA’s a year.
The IUA is the personal financial responsibility of the member, before the community shares medical expenses.
There is a one year waiting period for pre-existing conditions to be eligible for sharing, followed by a fixed sharing schedule.