First 90 Days of Membership: For the first 90 days, only bills resulting from injury, acute illness, or accident are eligible for sharing, with a cap of $50,000.
Non-Shareable Conditions in First Membership Year: The following conditions are not shareable for the first 12 months of membership, except through FlexShare if that option is selected:
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Arthritis
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Autoimmune disorders
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Bone spurs
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Cataracts
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Glaucoma
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Lyme disease
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Macular degeneration
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Varicose veins
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Sleep apnea (including CPAP)
Non-Shareable Treatments in First Membership Year: The following treatments are not shareable for the first 12 months of membership, except through FlexShare if that option is selected:
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Allergy treatments
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Hormone therapy
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Joint replacement
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Liposuction
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Prosthetics
Annual Sharing Cap:
Each member in Essential has an annual sharing cap of $1 million.
Each member in Enhanced has an annual sharing cap of $2 million.
Lifetime Limits:
There are no lifetime limits on sharing, except for specified items.
Right to Reject Charges:
REDEEM HealthShare reserves the right to reject unreasonable, excessive, and duplicate charges.