Co-Share Option

What is AHP with Co-Share?

  • Co-share is an option for Medi-Share members who participate at the 3,000 or 6,000 AHP level to assume additional responsibility of 30% of their eligible medical bills after their AHP has been met but at a lower price point.
  • After the AHP has been met, eligible medical bills will be shared at 70%.
  • Once the maximum annual co-share responsibility of $10,000 (AHP + co-share portion) has been met, eligible medical bills will be shared at 100%.

For example: A Member with a 3,000 AHP with co-share option who incurs a $100,000 eligible medical event, will pay $3,000 toward their AHP and an additional $7,000 (30% of eligible medical bills) in co-share responsibility. Once the maximum co-share responsibility of $10,000 (AHP + co-share) has been met, remaining eligible medical bills will be shared at 100%.

What is the maximum co-share responsibility?
The maximum co-share responsibility is $10,000 at both co-share levels. It is the total of your AHP PLUS your 30% responsibility. Once the AHP + 30% = $10,000 all eligible medical bills will be shared at 70%.

 

For more information about Co-Share, login to your Member Center to chat with a representative.

Member FAQs

+ What is the typical difference in cost?

3,000 AHP with co-share is approximately 20% less per month than 3,000 AHP.
6,000 AHP with co-share is approximately 15% less per month than 6,000 AHP.

+ Does the co-share apply to the bills of everyone in the Medi-Share household?

Yes, the co-share portion is applied to the eligible medical bills of any household member after the AHP has been met, before the maximum co-share responsibility is met.

+ What about the provider fee? Is that applied to the co-share responsibility?

No, the provider fee is not applied toward the AHP or co-share responsibility. The provider fee is always paid by the member to the provider, even if maximum co-share responsibility is met.

+ What about maternity sharing limit? Or any other sharing limit?

All other guidelines apply, regardless of whether you are participating with or without co-share.