Become a member of CrowdCare by paying a low monthly subscription fee. This grants you access to a suite of healthcare tools and support from our team. There is a 60 day trial period before you can start submitting expenses to the crowd. This ensures participation in the crowdfunding by all members. As we are building a community, a 12 month membership, billed monthly is required to participate.

When you visit the doctor, ask for the cash price and pay for the service directly. For emergencies, contact us before paying the bill. We can help negotiate your emergency expenses. For planned services such as labs, imaging, or procedures, let us know beforehand, and we can negotiate discounted rates in advance.

Submitting your bills is simple—just take a photo and upload it via the mobile app to submit!

CrowdCare will facilitate the crowdfunding of your medical bills, ensuring your expenses are covered quickly and efficiently.

CrowdCare is a transparent, community-based alternative to traditional health insurance.

Members contribute a predictable monthly amount, and when someone experiences an eligible medical event, the community helps fund the cost. CrowdCare also negotiates medical bills to ensure fair pricing and lower out-of-pocket expenses.

CrowdCare is not insurance—it is a membership-based model built on fairness, transparency, and community support.

CrowdCare works through three simple steps:

1. Become a member

You select a monthly membership tier and join the community. There are no networks or long-term contracts.

2. Get care when you need it

You can visit any doctor, hospital, or provider you choose. You pay the first $500 of each medical event.

3. Submit your bills

Upload your medical bills through the CrowdCare app.

Our team:

• Reviews your submission
• Negotiates the total cost
• Ensures the charges are fair
• Coordinates the crowdfunding process

After review, the eligible amount above your $500 Member Commitment is crowdfunded by the community and reimbursed to you.

No. CrowdCare is not insurance.

We do not offer coverage, premiums, networks, claims, or guarantees of payment.

CrowdCare is a membership program that helps people reduce and share healthcare costs through community crowdfunding and bill negotiation. It is designed for people seeking a lower-cost, more transparent alternative to traditional insurance.

CrowdCare is not health insurance. It’s a membership-based, community-powered healthcare support model designed to make medical care more affordable, transparent, and flexible.

Here’s how they differ:

1. Monthly costs

• CrowdCare: You pay a simple monthly membership fee, not a premium.
  
• Insurance: You pay high monthly premiums that often increase every year.
  

2. Deductibles & copays

• CrowdCare: No deductibles. You contribute a fixed Member Commitment per medical event, then eligible expenses are reimbursed through the community.
  
• Insurance: You must meet a deductible first, then still pay copays and coinsurance.
  

3. Doctor & hospital choice

• CrowdCare: No networks. You can see any doctor, clinic, or hospital you choose.
  
• Insurance: You’re restricted to in-network providers or face much higher costs.
  

4. Claims & denials

• 
  CrowdCare: No claims process and no denials for eligible expenses. You upload bills in the app and receive support with pricing and reimbursement.
  
• Insurance: Claims can be delayed, partially paid, or denied entirely.
  

5. Pricing transparency

• CrowdCare: Members use self-pay pricing and benefit from bill negotiation and fair-market rates.
  
• Insurance: Prices are often inflated, opaque, and negotiated behind the scenes.
  

6. Community vs. corporation

• CrowdCare: Medical costs are shared across a community of members helping one another.
  
• Insurance: Payments go to large insurance companies whose profits depend on premiums and claim management.
  

7. Flexibility

• CrowdCare: Works on its own or alongside insurance. Many members keep insurance initially and transition over time.
  
• Insurance: Rigid plans with limited customization.
  

In simple terms

CrowdCare gives you freedom, transparency, and community support.

Traditional insurance gives you contracts, networks, and complex rules.

Eligible expenses typically include unforeseen, significant medical events such as:

• Emergency room visits
• Hospital stays
• Surgeries
• Outpatient procedures
• Specialist visit
• Diagnostic imaging (MRI, CT, Ultrasound)
• Lab work connected to a major event

Routine care, primary care check-ups, dental, vision, and ongoing maintenance treatments are typically not eligible.

Full details are outlined in the Membership Guide.

For each approved medical event, members pay the first $500.

After this amount, the remaining eligible balance is crowdfunded by the community.

The Member Commitment ensures fairness, prevents overuse, and keeps monthly contributions low for everyone.

Healthcare prices in the U.S. vary widely. To protect members, CrowdCare negotiates all medical bills before they enter the crowdfunding process.

Negotiation may include:

• Requesting fair pricing benchmarks
• Challenging inflated charges
• Verifying coding accuracy
• Minimizing duplicate or unnecessary fees

Members often see their bills reduced by 30–80% before crowdfunding begins.

No. There are no networks.

You can choose any doctor, specialist, hospital, or clinic in the United States.

Once your event is approved and negotiated:

1. The final eligible amount is presented to the community.
2. Members contribute through the monthly community fund.
3. Funds are then reimbursed directly to you through your preferred payment method.

You are responsible for paying your provider up front, then submitting receipts through the app.

TheCrowdCare is not health insurance. It’s a community-based way to handle medical expenses with freedom of choice, transparent pricing, and shared support.

Step-by-step example:

1. You choose your provider
   
   You visit any doctor, clinic, or hospital you want — there are no networks or restrictions.
   
2. You receive the real bill
   
   Because you’re treated as a self-pay patient, you receive the actual medical bill, not an inflated insurance rate.
   
   Example: a procedure costs $2,400.
   
3. You submit the bill in the CrowdCare app
   
   Upload the bill and related documents directly through the app for review.
   
4. We help verify and negotiate
   
   The CrowdCare team reviews the charges and helps verify accuracy and negotiate when possible.
   
5. You pay your member commitment
   
   You’re responsible for your fixed $500 member commitment per medical event.
   
6. The community shares the rest
   
   After your $500 commitment, the remaining eligible amount is shared by the CrowdCare community, according to membership guidelines.
   

In this example:

• Total bill: $2,400
  
• Your responsibility: $500
  
• Remaining eligible amount shared by the community: $1,900
  

Why members choose CrowdCare

• No insurance networks
  
• No deductibles or surprise exclusions
  
• Transparent costs
  
• Support with verification and negotiation
  
• Freedom to choose any provider

Members pay a fixed monthly contribution based on their selected tier.

Rates vary by tier and age group, but all contributions are designed to be significantly more affordable than traditional insurance premiums.

There are no copays, no deductibles, and no surprise bills.

Yes. CrowdCare is flexible.

Members may cancel at any time through their account dashboard.

Once canceled, access to the community fund ends at the end of the current billing cycle.

Because CrowdCare is not insurance, payments are not guaranteed.

However, the community has a strong track record of supporting members with eligible events, and every event undergoes transparent review and negotiation.

Members are responsible for the first $500 of eligible healthcare expenses ($3,000 for maternity events) before bills are eligible for crowdfunding.

Joining is simple:

1. Visit thecrowdcare.com
2. Choose your membership tier
3. Download the CrowdCare app
4. Complete onboarding
5. Get care with freedom and transparency

You become part of a community that believes healthcare should be fair, affordable, and human.

Almost everyone! The Crowd is currently unavailable to tobacco users (daily use for 3+ months, past or present) and individuals over 220/260 pounds (female/male). We aim to expand access soon to accommodate more people with various health histories.

Costs related to pre-existing conditions are not eligible for crowdfunding in the first two years of membership. After the second year, you can submit up to $25K per year for eligible treatments related to pre-existing conditions.

For planned major expenses (like surgeries), we negotiate discounts of 30-60% before the procedure. For emergency situations, we will work with our partners to negotiate after the fact. There is no maximum amount of health care costs you can share with the Crowd.

Examples of non-eligible procedures include cosmetic treatments, long-term prescriptions, and fertility treatments. Any treatments related to pre-existing conditions are not eligible for funding during the first two years of your membership.

For regular appointments, simply request the cash price and pay the doctor. For expenses over $500, you pay the first $500 and submit the remainder for crowdfunding.For planned services like labs or surgeries, notify us beforehand so we can help negotiate rates.For emergencies, contact us before paying to allow our partners to negotiate your bill.

We aren't insurance and that is a good thing! We crowdfund from members to support our healthcare together, however there are no guarantees since it depends on the number of members and total contributions.

CrowdCare gives you the freedom to choose your healthcare provider. Stay with your current doctor or reach out to your Care Advocate for assistance in finding a quality provider.

No, CrowdCare Membership does not fulfill federal or state minimum essential coverage mandates. If you live in a state with such a mandate (e.g., California, Massachusetts), you must secure other coverage separately from your CrowdCare Membership.

Yes! CrowdCare covers one annual wellness event per member per year up to $300 without the $500 member commitment. Other eligible wellness events include:

• Primary care exams, including naturopathy
• Pediatric well-child visits
• Direct primary care (DPC) membership fees
• Annual gynecological exams and labs
• Dental exams, including cleaning and X-rays
• Vision exams

Maternity care is treated as a single health event covering prenatal, labor & delivery, and postpartum care, with a $3,000 member commitment.Your baby's standard care (first six months) is a separate health event with a $500 member commitment. If your baby requires medical care beyond the standard newborn care, that would be treated as a separate event.

Maternity expenses are not eligible for crowdfunding if the expected delivery date is less than 300 days from her membership start date.

Since CrowdCare is not insurance, you cannot contribute to an HSA for your Membership fee. However, you can use existing HSA funds to pay for medical bills after you’ve met your $500 member commitment. Note that HSA funds cannot be used for your monthly membership fee.

Prescriptions related to an eligible health event are eligible for funding within 120 days of the event. For prescriptions longer than 120 days, you can still access discounts through our pharmacy partner, which can reduce costs by 50-60%.

CrowdCare focuses not only on medical treatment when someone becomes sick, but also on helping members stay healthy through prevention, early check-ups, and ongoing monitoring. Preventative care is treated as an important part of keeping community costs low and improving long-term wellness.

1. It allows members to use preventive services

Members can access routine exams, screenings, annual check-ups, lab tests, and wellness visits with private doctors. Because CrowdCare is not restricted to a specific network, members are free to choose any healthcare professional or clinic for preventive care.

2. It emphasizes early detection and prevention

CrowdCare encourages members to detect problems early rather than waiting for something serious to happen. Preventative care helps reduce serious medical events later and lowers overall healthcare spending for the community.

3. It removes common financial barriers

Traditional insurance often makes preventive visits expensive through copayments or limits on coverage. CrowdCare uses a membership approach with clear monthly costs, which makes it easier for members to book check-ups without fear of unpredictable billing.

4. It provides assistance and guidance

CrowdCare has a support team that helps members:

• find doctors and specialists for preventive exams
  
• schedule check-ups
  
• negotiate prices
  
• understand what they should monitor for long-term health
  

This guidance reduces confusion and encourages people to take care of their health more regularly.

5. Community model encourages prevention

The philosophy behind CrowdCare is collaborative: if the community stays healthy, costs stay low for everyone. Preventive care is therefore part of the model’s sustainability. When members do routine check-ups, the community experiences fewer expensive medical events, keeping monthly contributions affordable.

In summary

CrowdCare supports preventative care by providing freedom of doctor choice, predictable monthly costs, guidance for scheduling exams, and a health philosophy that encourages prevention instead of only reacting after illness occurs. Prevention is built into how the membership works, not just an optional service.

GoFundMe is effective for single, high-visibility emergencies—like sudden accidents, surgeries, or family crises—but it’s not built for long-term or routine medical care. It also relies heavily on personal networks and social sharing, which many people find uncomfortable or unsustainable.

The Crowd Care, by contrast, is:

• — no need to broadcast your struggles online.
• — members contribute regularly to help one another.
• — includes AI bill review and optional negotiation to reduce high charges.
• — ideal for covering both unexpected medical bills and everyday care costs.

✅ The Bottom Line

Choose GoFundMe if…You need a one-time fundraiser for an urgent, large event. You have a wide network willing to donate and share. You’re comfortable with public storytelling and promotion.

Choose The Crowd Care if…

You want ongoing medical support, not just a one-time fix

You prefer a private, community-driven model

You want protection from surprise bills, even without insurance

Feel free to schedule a call with us!