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.

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.

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.

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%.

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!