Welcome to ShareNet!

Welcome Guide to your new ShareNet Membership

This Welcome Guide is meant to provide a basic overview of ShareNet and is not a substitute for the official ShareNet Guidelines. It is important to note that the current guidelines, which can be found on our website, take precedence over any guidelines in effect at the time you joined. Please familiarize yourself with the most up-to-date guidelines to ensure a smooth experience.

Read the Guidelines →

Getting Started

Here are some tips as you begin your membership.

Important Reminders

Sharing during the first 60 days of membership

During the first 60 days of membership, sharing of eligible medical bills is limited to $50,000 (excluding pre-existing conditions). Discounts for prescriptions and no-cost Telehealth doctor visits start the first month of membership.

Sharing during the first 60 days

Using ShareNet at your Provider

If you are accustomed to using health insurance, ShareNet will not feel significantly different. Simply present your member card to the provider and request that they bill ShareNet using the information on the back of the card. This card includes all the necessary information for the provider's billing specialist. If the provider has questions, they can find our phone number on the card. 

Learn More about Going to the Doctor →

Going to the doctor

Provider Fees

When receiving medical care from a provider, members are required to pay the following fees to the provider:

  • $0 for virtual visits with ShareNet's telemedicine partner. (accessed through the ShareNet Member Center)
  • $20 for primary care.
  • $50 for specialists.
  • $75 for urgent care and outpatient treatment.
  • $150 for emergency room or inpatient hospitalization.
  • $75 for diagnostic testing and imaging. (EKG, X-ray, CT scan, MRI, ultrasound, etc.)
  • $3000 for maternity.
Provider Fees

Your Annual Unshared Amount

The Annual Unshared Amount (AUA) is the minimum amount a household must pay towards their own eligible medical bills during a 12-month period. Any eligible medical bills that exceed the AUA may be shared among the membership.

Provider fees are not applied toward the Annual Unshared Amount (AUA) and must be paid regardless of whether the member has met the AUA for the year. For eligible services, the provider fee is applied first, followed by the remaining AUA.

Annual Unshared Amount

ShareNet is secondary to other sources.

If a member has insurance or is eligible/qualified for any insurance benefits or other health or welfare benefits, such as an employment-related health or welfare plan, worker’s compensation insurance, homeowner’s insurance, or fraternal benefits, the member is expected to take all reasonable steps to qualify for such payments and to exhaust benefits available under those resources before submitting a request for sharing.

Motor vehicle accidents

Medical bills incurred from the use of motorized vehicles will only be eligible for sharing if they are not covered by an insurance entity or other liable third party and if all other guideline requirements have been met. However, medical bills related to a motorized vehicle accident will not be eligible for sharing if any of the following apply:

  • The operator of the vehicle was under the influence of alcohol or illegal substances in accordance with the law.
  • The vehicle was used for racing, performing stunts, or committing a crime.
  • The operator was below the age required by law or was not legally licensed as required by law.


ShareNet is not insurance.

ShareNet Ministries is a not-for-profit healthcare sharing ministry that facilitates member-to-member cost-sharing.

ShareNet is not insurance. ShareNet is a Healthcare Sharing Ministry, as outlined in the Patient Protection and Affordable Care Act, and was created to facilitate the sharing of medical bills and expenses among members, one with another, according to these Guidelines, at ShareNet’s reasonable discretion. ShareNet is not liable for the payment of a member’s medical bill. If sharing occurs, the shared medical bills are paid by the member that incurred the bill from other members’ share contributions only, not from funds of ShareNet itself.


There is no transfer of risk from a member to ShareNet or from a member to other members, and there is not a contract of indemnity between ShareNet and any member or between the members themselves.

We are here to help. 

Member and Provider Services Team

Assistance with eligibility, bill status and pre-notifications.