A Simple & Affordable Alternative to Health Insurance

Knew Health is a community of health-conscious individuals committed to protecting our well-being and supporting one another in times of unexpected medical costs due to new illnesses or injuries.

Knew Health is an inclusive Community open to anyone who is health-conscious and is looking for preventive health and wellness resources alongside peace of mind for unexpected medical costs.

This has resulted from empowered Members that know how to obtain the best quality care for the lowest cost and an expert Care Team that goes above and beyond to lower even the toughest bills.

Yes. We have no network restrictions. Simply present yourself as a self-pay patient, and our Care Team can help negotiate fair pricing on your behalf. Please note that UCR (Usual, Customary, and Reasonable) rates still apply. Members are responsible for ensuring fair and reasonable rates. If you choose a provider that charges significantly more, monthly contributions may increase for the whole community.

We’re not insurance. Instead of “coverage,” you have a membership that shares eligible expenses according to clearly defined guidelines. There’s no legal guarantee of payment, but we maintain a strong track record of sharing eligible bills. It is our commitment and responsibility to help every member of our Community in times of need.

The Initial Unshareable Amount, or IUA, is the amount of money you pay first when you have a medical need, like an illness or injury. After you pay this amount, the Knew Health Community helps share the rest of the eligible medical costs.

Once you’ve paid the IUA for a specific health issue, you don’t have to pay it again for that issue unless you’ve been symptom-free for 12 months. Also, you’ll never have to pay more than three IUAs in one membership year, no matter how many medical needs you have.

This means if you have a fourth medical issue or more, you would not be responsible for an IUA for those issues.

It will depend on the therapy meeting the Member Guidelines and evidence of effectiveness. Many forms of integrative care—like acupuncture or hormone therapy—can be shareable if they’re recognized as safe and beneficial for the condition being treated.

Maternity needs can be shared if the pregnancy starts after 90 days of membership, and the due date is one year or more from when your membership begins. Pre-existing conditions have specific guidelines—call us at 866-977-8298 for more details.

If your bills are eligible and the documentation is complete, many share-outs happen within 7-14 business days. Our goal is to simplify the process and get you the support you need quickly.

Yes! We support individuals, families, and small businesses. Each membership is tailored to your household size and IUA level.

No. Knew Health memberships are month-to-month. You can cancel at any time, or make updates, like adding or removing members, on a monthly basis.