Members are encouraged to ask their medical providers to bill them for medical services received. For smaller bills, office visits and the like, providers may require payment at time of service. We advise our Members to avoid paying more than their selected IUA (Initial Unshareable Amount) toward the cost of any medical need, as doing so dilutes our Medical Cost Sharing Partner’s ability to negotiate fair prices with medical providers. In cases where Members pay more than their IUA, the community will share the excess amount back to the Member. There are occasions that warrant upfront sharing, but these are limited and extremely rare. The most prominent example of pre-payment is with maternity cases.
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