Sharewell does not decline applications for health reasons or place limitations for pre-existing conditions at enrollment. Each member is enrolling with the understanding that any limitation would be enforced on a per Sharing Request basis after a determination has been made. The process that ShareWELL’s and its affiliates use to make this determination includes but is not limited to reviewing past medical notes, medical bills, and statements by physicians.

I understand the limitations for pre-existing conditions and how it will affect the ability for the ShareWELL community to share in my medical expenses.

Definition

A pre-existing medical condition limitation is applied based on the first date of active membership.

Any illness or injury for which a person has had any of the following occur:

· Been examined

· Taken medication

· Had symptoms

· Received medical treatment

Within 24 months prior to the effective date of the membership is considered a pre-existing condition.

Pre-existing For Cancer

Any testing, preventive treatments, prophylactics, or medications that were taken by the member 36 months prior to the start date of a previously diagnosed cancer will result in a recurrence of that type of cancer being considered a pre-existing condition.

Exceptions That Are Not Considered Pre-existing

High blood pressure, high cholesterol, hyperthyroidism, hypothyroidism, and type 2 diabetes will not be considered preexisting conditions as long as the member has not been hospitalized for the condition in the 12 months before enrollment.

Pre-Existing Condition Phase-in Period

Pre-existing conditions have a phase-in period wherein sharing is limited. Members have a one-year waiting period from the initial enrollment date before pre-existing conditions are eligible. After the first year, pre-existing Sharing Requests are eligible with a sharing limit that increases each membership year.

Eligible amounts for pre-existing conditions:

· Year One: $0 (waiting period)

· Year Two: $30,000 maximum per need

· Year Three: $60,000 maximum per need

· Year Four: $150,000 maximum per need.

· Year Five: The sharing maximum is removed for all pre-existing conditions.

• I agree that I have read and understand ShareWELL’s Member Guidelines https://sharewellhealth.org/guidelines-accordion/

• I understand that there is a 30-day waiting period from my membership start date for maternity expenses to be eligible for Sharing. https://sharewellhealth.org/maternity/

• I understand that ShareWELL is not health insurance and that ShareWELL is a nonprofit health care entity. ShareWELL members voluntarily share each other’s medical expenses in accordance with guidelines adopted by the members. ShareWELL is not insurance and is not regulated as insurance. ShareWELL members do not assume any legal obligation to share in the payment of any medical expense incurred by another ShareWELL member.

• I agree to the Terms and conditions https://sharewellhealth.org/terms-conditions/