Health care sharing for individuals & families
Vellora HealthShare connects you with a community of members who share each other's eligible medical bills. Clear monthly contributions, any provider you choose, and a guide who explains every line before you sign up.
How health sharing works
Health care sharing is not insurance. Members agree to a shared set of beliefs and contribute each month to help pay one another's eligible medical expenses.
Pick Advantage or Elite +, choose your Member Commitment Portion, and agree to the Statement of Beliefs. Membership starts 5 to 60 days after you enroll.
See any doctor or hospital. Use unlimited 24/7 telemedicine. Pay the small visit fee at the office where one applies.
Your Member Commitment Portion is the amount you pay each year on larger bills before sharing begins.
After the MCP, eligible bills are typically shared at 90% of the allowed amount, up to your plan's yearly and lifetime limits.
Two memberships
Catastrophic option for big, unexpected bills
All-inclusive option for everyday and major care
What's shared
Amounts reflect the 2027 member guidelines. Most services have a 90-day waiting period from your start date, except emergencies. Hospital stays, surgery and advanced imaging need pre-authorization.
| Service | Advantage | Elite + |
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Pre-existing conditions
A condition that was diagnosed, treated or showed symptoms in the 36 months before your start date is pre-existing. Maintenance office visits for it can still be shared.
Conditions such as these become eligible after 24 months of membership:
Some longer-term conditions have a 4-year limitation, for example:
Some pre-existing conditions are not shared during membership, including:
Tobacco or nicotine use adds $40 per member per month, removable after 90 days with proof of quitting. Ask Grant about any specific condition.
Included programs & add-ons
Unlimited virtual visits with a doctor, day or night, on both plans.
Discounted prescriptions and maintenance medication options through the netWell Rx program.
Goodbill reviews large hospital bills and negotiates errors and overcharges for you.
A separate dental membership you can add for cleanings and dental work.
Lab work at Labcorp locations at member pricing.
A companion program for members on Medicare.
Not shared
These services are not eligible for sharing on either plan. Requests must also reach us within 90 days of the date of service.
Questions
No. It is health care sharing. Members voluntarily share eligible medical bills based on common religious and ethical beliefs. Sharing is not guaranteed, and it does not meet Affordable Care Act coverage requirements.
Yes. You can see any licensed provider. Use the provider search to find offices that already work with the program.
Enrollment is open all year. Your membership starts 5 to 60 days after you sign up, on the date you choose.
Everywhere in the United States except California, Maryland, Vermont and Washington.
Yes. Give written notice at least 72 hours before your next monthly contribution. You can get a refund in the first 10 days, minus the enrollment fee, if no medical request has been submitted.
You, your spouse and dependents from age 1 until they turn 27. Families of six or more pay $50 per additional dependent.
Partner with Vellora
Agents, brokers and community advocates can earn by referring members to Vellora HealthShare. Tell us about yourself and we'll send you a personal affiliate link.
Other types of insurance
Our partner, M&S Insurance Agency, is a licensed insurance broker who can quote home, auto, business, builder's risk and luxury vehicle coverage.
Ready when you are
Grant can help you pick a plan in a few minutes. When you're set, enrollment takes about ten.
Grant explains membership guidelines. He can't give medical or legal advice.