Fill out our application and see if you qualify, our goal is to help everyone access affordable healthcare. You just have to be able to agree to three things: 1. Health insurance is way too expensive and not fair these days.
2. We, as a group, can manage our collective expenses by ourselves, and don’t need a profit driven corporation to make our health decisions.
3. Since we are sharing these medical costs for your needs, each member has to try and stay healthy.

Members do not have a monthly premium. Instead, our members contribute a monthly “share” based on age and how many in the household. Members deposit their monthly share into their sharing account Each month as claims are submitted we pay them from those sharing accounts. If you help another member out, you get a notification, otherwise you contributions stay in your sharing account.

Yes, we are part of MultiPlan which is a nationwide network that the majority of medical providers participate in. If a medical provider is not a part of the MultiPlan network, they should still accept us as your medical sharing plan of choice. See Affiliated Providers in the Membership Guidelines for details.

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.

As a One Life Member you are part of a sharing network. We try to manage the members risks by negotiating with medical networks to limit the charges they give to our members. We understand that sometimes you like a specific Doctor. There are two ways of dealing with that situation. First you can have the Doctor contact us so that we can talk with them. They may accept our rate and be happy to keep you as a client. If they want a different amount than we have in our plan, you can still go to them. We will pay the amount that we have negotiated, and you will be responsible for the difference.