Nature of ShareNet
- Sharing Across a Community. Each member of ShareNet has an account that is funded by monthly contributions. When a member has a medical expense that is eligible for sharing under our Membership Guidelines, that member is matched with other members whose accounts are debited to cover the expense.
- Transparency. Members see how every dollar is used. ShareNet’s user-friendly platform shows members how their funds are shared with other members. In addition to providing full transparency, this allows members to offer each other personal support as they face medical challenges.
Insurance is a contract under which an insurance company assumes the legal obligation to pay for medical expenses covered by the policy in exchange for monthly premiums. ShareNet is different: members voluntarily share the cost of each other’s eligible medical expenses, and ShareNet does not assume any legal obligation to pay for its members’ medical bills. ShareNet strives to ensure cost-sharing for all eligible medical expenses, but it cannot guarantee that, and each member is ultimately responsible for his or her medical expenses.
ShareNet’s membership is available to any Christian person who attests to ShareNet’s Statement of Beliefs.
There is no enrollment period. You can join at any time and choose your membership start date.
Each ShareNet Comprehensive member has an Annual Unshared Amount. Once the member has spent the Annual Unshared Amount on eligible expenses, ShareNet will facilitate the sharing of 100% of elgible medical expenses. See ShareNet Comprehensive Program Member Guidelines for details.
ShareNet Preventive+ members do not have an Annual Unshared Amount, although they have annual and lifetime maximums. See ShareNet Preventive+ Guidelines for details.
Specific Medical Expenses
We encourage you to review ShareNet’s Membership Guidelines, which provide more information on these topics and answer other questions you may have.
The ShareNet Preventive+ program :
Prescription medications are not eligible for sharing; however, members can access wholesale pricing on most prescription medications with their member card.
The ShareNet Comprehensive program :
Prescription medications are not eligible for sharing; however, members can access wholesale pricing on most prescription medications with their Member card. (see ShareNet Member Center for prices at your local pharmacy.)
If the AUA has been met, then the excess prescription amount is eligible for sharing as a reimbursement to the member up to $2,000 per member per year. See Guidelines for full details.