Please follow this step-by-step guide to complete your enrollment and activate your membership.
Before You Start: Gather Your Information
To make the process quicker, have the following ready:
Personal Information: Dates of birth and SSNs for all household members joining.
Medical History: A general list of recent medical events, conditions, or medications for all applicants.
Payment Method: Bank account (ACH) or credit card details.
Step 1: Enter Primary Member Information
Enter the full legal name, state, and date of birth for the primary member.
You will also be asked about smoking. If anyone in your household uses tobacco or vape products, an additional $50 per month smoker fee will apply to the membership.
Step 2: Add Spouse and/or Child Dependents (Optional)
If you would like to include other family members on your membership, you may add:
A spouse
Child dependents
This step is optional and can be completed during enrollment.
Step 3: Select Your Monthly Share and IUA Level
Your Advisor has likely already helped you compare options. Ensure you have selected the Initial Unshareable Amount (IUA) that fits your budget.
What is the IUA?
This is the financial amount you are responsible for paying toward your large medical expenses before the community shares the remaining eligible cost.
Note: Choosing a higher IUA will lower your Monthly Share amount.
Click "update" at the bottom to continue.
Step 4: Enrollment
On the right-hand side of the screen, you’ll see the enrollment box. Make sure you’ve selected your desired membership start date before continuing.
Step 5: Member Information
You be prompted to complete the Primary Member’s information, including:
Home address
Contact information
Date of birth
Social Security Number (SSN)
“Who referred you?” (if applicable)
Important: If someone referred you to MPB Health, be sure to complete the “Who referred you?” section accurately. This is required for the referring individual to receive the $100 referral bonus.
Step 6: Dependents (Optional)
Click the Pencil icon next to each name, add information, and click "Save Dependent" below.
Step 7: Membership Principles
After entering all household information, click the Update button to save your selections and continue.
Step 8: Health History
You will complete a digital application that asks about your health history.
Be Transparent: Our community relies on trust. Please answer all medical questions accurately.
Pre-Membership Medical Conditions: We do not decline membership based on medical history. However, some pre-existing conditions may have a "phase-in" period before they are eligible for sharing. Providing accurate information now helps prevent delays or misunderstandings later.
Step 9: Payment
You will now set up your recurring contribution, known as your Monthly Share.
Your first share is processed during enrollment to secure your start date. Future shares are auto-drafted (usually on the 20th).
Please note: Bank Auto draft is free; however, credit cards will incur a 3% monthly fee.
Step 10: Review & Sign
Instead of a "policy," you will receive Membership Guidelines. This document outlines how the community functions.
Key Concept: You are joining a voluntary sharing community, not entering an insurance contract.
Step 11: Confirmation & Member Portal
Once you submit your application:
You will receive a confirmation email.
You will get a link to set up your MPB Health App. This is your command center—where you will submit medical needs, view the status of shared bills, and access telemedicine services.
Digital ID cards are often available immediately in the portal. Physical cards (if applicable to your specific membership) will arrive by mail.
Need Help?
If you have questions during enrollment or need assistance at any step, please reach out to your advisor.
Frequently Asked Questions
Q: When does my membership start?
A: Enrollment closes on the 20th of the month, 3:00 pm EST, for a start date of the 1st of the following month. (Example: Enroll by January 20th, 3 pm EST for a February 1st start date).
Q: What if I need a doctor immediately?
A: All memberships include $0 unlimited virtual care services, which are available for use as soon as your membership is active.
Q: What words should I use when paying my doctor?
A: When you visit a provider, tell them you are a "Self-Pay Patient" or a "Cash-Pay Patient".