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Comprehensive Coverage + Up To 40% LOWER Premiums!
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Comprehensive Coverage
100% Covered Preventative
All your in-network preventative care doctor visits are 100% covered
Unlimited Doctor Visits
See your in-network doctor as often as you need to for a low $15 copay
Up To 40% Lower Cost
Get access to benefits that include hospital, surgery, maternity, primary care, rx, and more
Low Out-Of-Pocket
As low as $1,000 for complete comprehensive care in or out of network
Helping Real People
"They just paid my $300K+ newborn twins NICU stay IN FULL"
“Everything was covered except for some $250 “lactation consultant”
the hospital snuck in on my wife(‘s) post-op.
I’ve never had to use traditional insurance before, when I had it I never had any health issues, but I can’t imagine anything being this easy and covered – even transport both ways… was covered when the hospital was convinced it wouldn’t be… they’ve been nothing but great through three major hospital stays in the past 12 months for the family.” – Ana
Benefit Highlights
Primary Care
Specialist
Urgent Care
Hospitalization
Labs & X-Rays
Prescriptions
PPO Network
Preventative
24/7 Telehealth
Using Your Benefits
How Does it work?
When you're part of a medical cost-sharing plan, eligible maternity needs can be shared just like other qualified healthcare expenses.
Members simply submit their need and once their Initial Unshareable Amount (IUA) is met, the plan shares the remaining costs of qualified care.
We’re here to support you through every step, making it easier to manage the costs of your care with confidence and peace of mind.
Example: Client's NICU account statements Below. They owed $0 after accumulating over $300k in medical bills!
You Paid = Amount paid by medical share plan provider.
Discounted = Cost reduction through patient advocacy benefit.
Your Balance = Any remaining amount owed to provider after IUA was met.
Top Questions About This Plan
What Is a Medical Share Plan?
A medical share plan is not an insurance policy. Benefits are organized through a 501c3 non-profit for the purpose of sharing medical needs (expenses) within a specific community and its members.
What is a comprehensive care event?
A comprehensive care event (aka medical sharing need) is specific to the medical care required for a single shareable medical need such as surgery, maternity, or hospitalization. A comprehensive care event includes the initial care and treatment required as well as any follow up doctor appointments, physical rehab, or an additional medical care related to the initial shareable medical need.
Example: a broken leg = 1 event. A dislocated shoulder would be considered a 2nd event.
What is an IUA?
An IUA (initial unshareable amount) is the out of pocket portion that the member must provide before the medical share plan contributes to the balance due for medical services provided according to the plan benefit guidelines.
Our IUA’s start as low at $1,000! And once the IUA is met this comprehensive care plan provides 100% of the balance due for shareable medical need(s) related to the specific comprehensive care event.
How does an IUA work?
There are a maximum of 3 IUA expenses per plan, regardless of the coverage level. This means that whether you’re comprehensive care plan is for an individual member or for a family, the total number of times that you’ll be our of pocket for an IUA is 3 in a twelve month period starting from the date of your first IUA expense.
There is no IUA expense after the 3rd IUA has been met within the twelve month period from the date of the 1st comprehensive care event.
About Us
Veteran Owned
SmartHealth Company is a proud U.S. Veteran-owned business, built by health benefits experts who’ve spent over 30 years helping families and small businesses.
We know how confusing and costly healthcare can be. That’s why we make it simple to find high-quality, affordable benefits that fit your life—and your budget.
We serve with the same values we defended: trust, commitment, and care for American families.
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