Understanding Pre-Membership Medical Conditions
We believe in transparency. Understanding how pre-membership medical conditions work can help you avoid surprises and make informed healthcare decisions as an MPB Health member.
What is a Pre-Membership Medical Condition?
A pre-membership medical condition is any health condition you had before your membership start date.
MPB Health does not decline membership based on health history. This includes conditions that were:
Examined, diagnosed, or treated (in the past 24 months)
Showed symptoms (even if undiagnosed)
Required medication or medical advice
Present an increased risk before your membership start date
The health-sharing community makes pre-membership medical condition determinations according to its guidelines.
Pre-Membership Medical Condition Sharing Limits
Pre-membership medical conditions have a one-year waiting period before becoming eligible for sharing.
Year 1: No sharing for the pre-membership medical condition
Year 2: Up to $25,000 eligible for sharing
Year 3: Up to $50,000 eligible for sharing
Year 4 and beyond: Up to $125,000 eligible for sharing per year
Year 1 has a waiting period, meaning pre-membership medical conditions are not eligible for sharing at all during the first 12 months of membership.
Exceptions
Certain common conditions are not automatically treated as pre-membership medical conditions, as long as they meet specific criteria:
High blood pressure
High cholesterol
Diabetes (types 1 & 2)
These are not considered pre-membership medical conditions if:
You have not been hospitalized for the condition in the 12 months before joining, and
You are able to manage the condition with medication or diet.
New Symptoms vs. Pre-Membership Medical Conditions
If a medical issue occurs after your membership start date and is unrelated to any prior diagnosis, treatment, or symptoms, it may be considered a new medical need, subject to health-sharing eligibility guidelines.
During the Waiting Period
You are still protected for:
New medical needs unrelated to pre-membership medical conditions
Accidents and injuries
Preventive care (depending on membership)
Prescription discounts
After the Waiting Period
Once your waiting period ends, the previously pre-membership medical condition becomes eligible for sharing just like any other medical need.
Important Notes
Always disclose pre-membership medical conditions during enrollment
Non-disclosure can result in the denial of sharing requests
Unrelated new conditions are not restricted by these limits once eligibility requirements are met
Review your specific program guidelines for details
Contact member services with questions about specific conditions
Need Help or Have Questions?
📞 Concierge: 1-800-519-2969
📧 Email: concierge@mympb.com
🌐 Member Portal: https://app.mpb.health/