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Are there sharing caps or limits?

Yes, there are some sharing limits.

  • For the first 60 days of membership, members are eligible to have up to $50,000 of their Eligible Medical Bills shared (excluding pre-existing conditions). Does not apply to newborns added within 30 days of birth. 
  • Maternity sharing is limited to $150,000 for any pregnancy event, including antepartum care, the cost of delivery and complications to the mother, and postpartum care (this is applied regardless of the number of babies the mother is carrying during the pregnancy event).

  • There is an annual sharing cap of $500,000 per member, but

  • No lifetime limit on sharing.

See further details in the Guidelines.