Medical Cost Sharing


A Comprehensive and Cost-Effective Healthcare Solution

Combining BowTie’s Virtual Comprehensive Care (VCC) to a Health Sharing Plan is a powerful healthcare solution. The combination helps health sharing members achieve better health outcomes and lower the overall cost of care. BowTie’s Virtual Care is there for both primary and complex medical issues and the medical sharing community is there to provide support during major medical events. Working together BowTie’s Virtual Care and health sharing plans deliver high quality health care from start to finish.

Lowering the Cost of Care with Medical Cost Sharing

Medical Cost Sharing is a membership based non-insurance community of like-minded individuals established for the purpose of sharing legitimate healthcare expenses between its members. Community members willingly assist one another with healthcare costs through voluntary monthly giving.

When members join a community of like-minded individuals who are committed to leading a healthy lifestyle and want to be active and engaged participants in their health care decision-making they are taking control of their health and their healthcare. Members of the Community remain responsible for paying their own healthcare costs, but, if these healthcare costs are shareable as agreed to and outlined in the community’s guidelines, the other members of the community can contribute funds to partially offset these healthcare costs.

Some Key Definitions

Medical Cost Sharing (MCS)

A membership-based non-insurance arrangement established for the purpose of sharing legitimate medical expenses between members. Also referred to as Health Care Sharing.


One or more shareable medical expenses caused by an injury or illness to an eligible Member that exceeds the Member’s Initial Unshareable Amount (IUA).

Sharable Amount

The amount of the Need request that remains after the member’s Initial Unshareable Amount (IUA) has been satisfied and falls within the Guidelines for sharing within the membership.

Initial Unshareable Amount (IUA)

The specified financial amount (in dollars) that members are required to bear on their own prior to any amount that may be eligible for sharing.

Unshareable Amount(s)

A medical expense incurred by a Member that is not shareable for one or more of the following reasons; violation of member responsibilities, non-current membership status, or any other condition that is excluded by the Guidelines.

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