The Sharity Secure program helps make major emergencies more affordable, if, and when, they occur. It is for people who are primarily healthy and don’t mind paying out of pocket for day-to-day health care expenses but who are looking for peace of mind in case of serious illness or injury. Sharity Secure offers sharing eligibility for services such as emergency room visits, inpatient and outpatient surgeries performed in hospitals and ambulatory surgical centers (ASC), and maternity.
How Sharity Secure Works
Members pay all medical expenses related to a Sharity Secure medical event until the individual’s Member Shared Responsibility Amount (MSRA) of $5,000 has been reached. The Member Shared Responsibility Amount, or MSRA, reflects the amount of personal responsibility and stewardship members are expected to demonstrate each program year; in other words, this is the amount a member must pay before asking others in the program to share in the costs of their medical expenses.
Upon reaching the MSRA, all eligible hospitalization, surgical, emergency room, ambulance and maternity expenses are submitted for cost-sharing at 100% at participating network facilities with no consult fee, up to a yearly sharing limit of $300,000 or lifetime sharing limit of $600,000.
Monthly contributions for the Sharity Secure program level vary depending on age of the primary member and number of family members. Low monthly contributions give members peace of mind knowing they are protected against major events that could cripple them financially. Sharity Secure provides a great combination of low cost and excellent emergency services.
The Pros and Cons of Sharity Secure
Sharity Secure has both advantages and disadvantages. With the reasonable cost in monthly contributions and no consult fees, members can set aside the monthly savings to help offset the cost of routine primary care visits and services.
Since Sharity Secure doesn’t include sharing eligibility for primary care doctor visits, many members might choose to opt for a more robust program, such as Sharity Spectrum, or to add on another program level, such as Sharity Wellness, both of which offer sharing of routine medical care.
Making decisions about health care is extremely important. You don’t have to sacrifice quality for monthly cost. With Sharity Secure, members have the power to access quality emergency care at a price they can afford.