Membership
You are not purchasing an insurance policy. You are joining a voluntary community that shares eligible medical expenses according to established guidelines.
Monthly Share
This is the amount you contribute each month to participate in the sharing community. These funds help cover eligible medical needs submitted by other members.
Initial Unshareable Amount IUA
The IUA is the amount you agree to pay toward your own eligible medical needs before sharing begins. Think of it as your personal responsibility level. Choosing a higher IUA typically lowers your monthly share.
Sharing Request
A Sharing Request is a request submitted for eligible medical expenses related to a larger medical incident. Once your IUA is met and documentation is approved, remaining eligible costs may be shared by the community.
Important note
Sharing Requests are intended for significant medical needs, not small or routine appointments. Minor office visits, low-cost services, or isolated care are usually handled out of pocket.
Eligible Expenses
These are medical costs that meet the sharing guidelines. Eligibility depends on the type of care, timing, documentation, and whether the condition meets sharing requirements.
Pre-Membership or Pre-Existing Conditions
Medical conditions that existed before your membership start date may have phased-in periods or limitations. MPB Health does not decline membership based on health history, but sharing eligibility may vary.
Membership Guidelines
This document explains how sharing works, what is eligible, and member responsibilities. Reviewing the guidelines helps set clear expectations and prevents surprises.
Cash Pay Patient
Members typically present themselves as cash pay or self-pay patients. This allows you to request upfront pricing and often receive significant discounts from providers.
Itemized Bill
A detailed bill from your provider showing services rendered, diagnosis codes, procedure codes, and total cost. This is required when submitting a Sharing Request.
Concierge
Your Concierge is your support resource. They can help with pricing, finding providers, submitting needs, prescription savings, labs, imaging, and navigating your benefits.