Our Mission:

“To make the tradition of medical cost sharing, bearing the cost of each member’s medical needs and expenses affordable and available to all, saving members on average 25-50% on their overall medical cost”  AffordaShare is great for the individual as well as for the owner or manager of small businesses with less than 50 employees.  Imagine saving 25,35 or 50% on your healthcare cost!

You should use the free 24/7 doctor service for any non-emergency, minor medical issue.  The 24/7 doctor service is FREE and convenient.  It should always be your first step in receiving medical treatment or advice, before going to an actual doctor’s office.  It’ll save you money and save the association money.  You can use it for minor burns, cuts, sinus infection, walking pneumonia, cold, flu, possible COVID19 symptoms, UTI infection, poison ivy, pink eye and any other non-emergency medical need.  Call and set up a phone consultation, face time or webcam consultation on-line or over the phone for any non-emergency situation or anything over and beyond an annual wellness and or annual preventative care.  If you’re experiencing a medical emergency, you should go to the nearest hospital, doctor or call 911.  Anything other than an emergency, always consult the 24/7 doctor service first.  If the doctor thinks it is best for you to go in and actually see a doctor face to face, they will recommend that course of action.  If that is the case, then you simply go to step 2 and schedule a face to face in office appointment.  If not and the doctor is able to call in a prescription or prescribe a course of action, then follow that counsel and consult is totally free and available 24/7/365.

It’s really very simple.  Contact us, using the forms attached here, we’ll get you pricing on all of our options.  Then we’ll answer any and all questions you may have concerning programs, how they work, what is covered, cost etc  Then at that point, you can let us know where we go from there.  You select a plan for you and we’ll send you a membership card and packet.  Just like that, you are a member and you no longer need health insurance.

Okay, so there is a lot to answer in this question.  The biggest reason or reasons are by eliminating the coverage of a few things like, mental health counseling, transgender re-assignment surgery and drug and alcohol rehabilitation our overhead is much lower than big insurance, we receive the best pricing on services and treatments because we pay much faster than health insurance, we don’t have all of the government oversight fees to pay to name a few.

If you need to go in to see your doctor to update a prescription for something like, ADD, Anxiety, Depression etc we would handle that as a regular office visit consultation.  We do not cover ongoing counseling and or inpatient treatment for mental health issues.  You would just pay for those services at your expense.  Most regular insurance plans only cover those things after you have met a deductible, pay a co-pay upon every visit in addition to a much higher monthly payment amount.

Most medical issues and conditions are accepted with no restrictions.  A lot of medical issues are in a maintenance mode, where you may be controlling that issue with medication and that is fine with us.  There are a few major, medical issues and or conditions that, if you have that issue before enrolling with us, we may not be a good fit for you and your healthcare.  Again, most applicants accepted.  Simply take the first step and fill out our “Nest Steps, Initial Fact Finder form.”

We understand that sometimes, medical accidents, events and issues sometimes happen at the worst of times and we would never want you to not receive the medical treatment you need because you do not have the total “deductible or members annual portion.”  We would pay whatever dollar amount you are short and then work out a zero-interest payment plan for you to pay your portion, advanced by us, back to us.

You will have a member’s annual portion amount.  This amount is kind of like a deductible.  This is an amount that you are responsible for on medical treatment over and beyond office visit consultations or over and beyond annual wellness/preventative care. You will pick a dollar amount based on your needs and budget.  Typically, this amount will be considerably less than a deductible or max out of pocket cost associated with a regular health insurance plan.

We want you to always get the best price for any prescriptions you may need.  We have a couple different procedures and options depending on what medication and or what that medication cost is.  Call us and we’ll walk you through and explain to you how to get the best pricing on medication or how to turn in to get your medication cost covered in your program.  Your medication may cost you a little more as a “un-insured” cash pay patient than if you had a true health insurance plan, but keep in mind, you may be saving hundreds of dollars on your healthcare cost and possibly pay a little more for medication, but overall you’ll be saving substantially.

No, you do not have to pay everything up front. You will have a couple options whenever paying for a visit or procedure.  You can pay it and submit the paid in full receipt to us for processing OR you can simply call a number on your membership card and ask our staff to pay for your visit or procedure over the phone.  We will pay for it and then look to get reimbursed from you for whatever your portion is or if you pay it and we owe you money, we’ll reimburse you within 7 days.  We never make you wait for months to be reimbursed by us and we never expect you to pay any dollar amount out of your pocket over and beyond what you can easily afford to “float” a week until you get reimbursed.  You set that dollar amount threshold of how much is too much for you to pay and wait to get back from us.  Each member is different.

You get to the nearest hospital or emergency room for treatment.  When filling out paperwork, you simply write on the form, where it ask for health insurance, you write in “None- I am a cash pay patient.”  The emergency staff, hospital facility will treat you and simply send you bills for your care, soon after you have been released and cared for.  When you receive the bills, you send them to us for processing.

We will help walk you through the process.  After you’ve done it once or twice, you’ll find it’s really pretty simple. We treat healthcare just like any other business transaction.  We, you along with us, will ask the doctor’s, hospitals, “What their cost is for “xyz” procedure and what do we need to do or how do we need to pay to receive the lowest, best price?”  Sometimes that is payment in full or 50% down and 50% upon the procedure date or within 30 days of the procedure.  Either way, we will help walk you through doing this and making sure you are well taken care of and that the process goes smoothly.

The same way you would normally schedule a regular medical appointment with the only difference being that when they ask you upon arriving, “what has changed with your address or health insurance?”  You will tell them, “I don’t have health insurance.  On the paperwork as you are completing it, where it ask for your health insurance, you simply write “none- I am cash pay patient.”

It’s really very simple. You can “snail mail” in bills or you can scan and email the bill to us or many of our members simply take a picture and text the bill into us.  We will respond to you either way you send in a bill and let you know what our portion is and what your portion is and if we owe you any money, when to expect that reimbursement check.


We cover virtually everything a regular health
insurance company covers with a few exceptions. We don’t cover some major, pre-existing
medical illnesses or issues, if you already have that diagnosis. It’s just a few things, so it’s
best to complete the next steps document and start the process. There’s no obligation. Then
we also don’t cover ongoing mental health counseling or serious mental health issues like
severe depression that requires hospitalization, alcohol or drug rehabilitation and regular
elective procedures not covered by any health insurance plan or carrier. Other than that, we
cover everything a regular health insurance plan covers from sprained ankles, stitches, broken
bones, cancer, stroke, heart attacks and anything else physical that may come up out of the
blue with you.

None. You can go anywhwere that takes uninsured, cash pay patients,
which is just about every doctor, lab or diagnostic center.

It’s really very simple and straightforward. We manage healthcare the same way any other
business is ran. Your medical treatment, services and or diagnostics is a product. We handle
it just like any other business sells their goods or services. When possible, we pay for the
medical “product” at the time of service. That gets us the lowest pricing on medical treatment.
The doctor or lab generally has two different pricing structures. They have what they charge
health insurance and they have the individual, uninsured, cash patient price. The uninsured,
cash patient pricing is usually 25-50% lower than what they charge a health insurance
company. You go in for a doctor’s appointment and when leaving, either you pay for the
appointment in full or you call us and we’ll pay them right over the phone in full for the
appointment. Either way, they are getting paid today, at the time of service. That’s about 4 to
5 month’s sooner than if they were to use a billing company and send the bill off to a health
insurance company and wait 4 or 5 months to get paid. That’s why the substantial discount.
It’s very important to update the office where you are attending for your appointment that you
do NOT have health insurance. You simply inform them, you are a cash pay, self-pay patient.
You do not even need to give them or show them your membership card. In fact, we

recommend that you do not show them your membership card, because this will only confuse
them and reduce your discounted percentage. If they think there is another entity that they will
have to negotiate with or send bills to, they will treat you and us just like health insurance. It is
best to leave us out of the pricing process. It is between you and the provider. Again, they are
getting paid right then and there either by you or us, if needed, you can call us and we’ll pay
them on your behalf, right over the phone. Our agreement is with you, our member, not the
medical provider. You simply handle your own medical affairs just like it is any other business
transaction and yours alone. You ask, “What are your terms for getting the lowest and best
pricing?” Then once you’ve obtained the price and the terms on how to pay, if you need help
paying, then you simply call us.

Yes, and in some situations, possibly better, because you can go
anywhere you want for services. If it is a simple routine medical procedure, like an X-ray,
colonoscopy, Mammogram, Blood or lab work, CT scan etc you can shop the provider and get
the best service at the best price by simply calling 2 or 3 places and asking them, “What do
you charge for xyz service?” They’ll tell you and then you can determine where to go based on
your findings.

See if you qualify and start saving this month.

Open Enrollment is all year long.