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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