What kinds of needs do KNEW Health members share?

In general, needs for illnesses or injuries resulting in visits to licensed medical providers, emergency rooms, testing facilities, or hospitals, whose costs exceed the Member’s Initial Unshareable Amount (IUA), are shared on a per-person-per incident basis.

KNEW does not share "well visits" such as annual checkups. There are also restrictions on KNEW's sharing for visiting alternative/complementary providers such as acupuncture, massage, and chiropractic. Please connect with Member Services prior to proceeding with any non-emergency care to determine whether or not this care would be shareable.

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