Members are encouraged to search for a provider within our network. Once at the doctor appointment, members are responsible for paying a provider fee during any office or ER visit. One Life Cares members pay a $35 provider fee for doctors and hospitalizations, and a $200 provider fee for emergency room care. The balance of the bill is then sent to One Life Cares for processing and discounting. If the medical bill is eligible for sharing, OLC’s determines whether the annual household portion has been met. If so, the net amount is approved for sharing. If not, the net amount (what you owe the provider) is applied to your annual unshareable amount. Once you have met your annual unshareable amount, then the balance will be eligible for sharing.