The CARE+ Plan
Plan details, FAQs, and get instant quotes on all the CARE+ Plans!
By Lou Spatafore – Updated Oct 19, 2024
Reviewed by Whitney Kline – Fact checked by Leslie Jablonski
View the CARE+ Plans & Pricing in Your Area
or compare CARE+ to other healthshare options available at HSA for America
All You Need To Know About the CARE+ Plan
Join the CARE+ Plan today and take the first step towards a healthier, happier you.
This innovative health sharing plan is designed to provide comprehensive medical cost-sharing while prioritizing your individual health needs.
This budget-friendly health sharing solution is designed for statutory employees rather than business owners or independent contractors.
The CARE+ plan is closely based on our popular HSA Secure plan. It provides all the same protections against medical emergencies and catastrophic medical expenses as that plan but at a slightly lower monthly cost.
However, unlike the HSA Secure plan, the CARE+ plan does not include preventative care and is not compatible with health savings accounts (HSAs) at this time.
Read more: Download the Brochure.
Designed for W2 Employees or People Not Working:
Flexible coverage for various employment statuses.
One of the Lowest Cost Healthsharing Plans Available:
Affordable health sharing with budget-friendly contributions.
Great Protection for Major Medical Expenses:
Substantial support for large medical bills.
Does Not Include Wellness Visits or Preventative Care:
Routine check-ups and preventative services are not covered.
Mental Health/Counseling Benefits Available:
Access to professional mental health and counseling services.
Free, Unlimited Telehealth Visits:
Consult with healthcare professionals remotely at no extra cost.
Get a Quote & Enroll in the CARE+ Plan Today
Join the hundreds of thousands of the CARE+ plan members that have discovered the CARE+ works for their family’s healthcare needs.
- Select your State, and then click the INSTANT QUOTE button.
- You’ll be asked to enter some basic information about your age, your location, and the size of your household. Just follow the prompts at each screen.
- Click Submit to view quotes.
- Once you review your quotes, click the Apply Now button.
- On the following screen, click the ENROLL TODAY! button.
- Follow the instructions on the next page to signup.
The CARE+ Plan Pros & Cons
Thinking of switching to the CARE+ Plan? Here are pros and cons to be aware of.
The CARE+ Plan Pros
- It offers low monthly costs making it one of the most affordable healthsharing plans available.
- No cap on potential sharing benefit, there is no maximum sharing amount for most members. Potential sharing of catastrophic medical bills is unlimited.
- It does not have any height-weight restrictions or “rate-ups”. It accepts members regardless of their height and weight or body mass index.
- It offers a Concierge service to help you navigate the medical system, suggest or recommend quality care providers, and help you find the best pricing possible.
The CARE+ Plan Cons
- It does not offer any wellness or preventative care. It lacks sharing for routine wellness visits and preventative services, which are often included in other healthsharing plans.
- While major medical expenses are included, the exclusion of preventative care could lead to higher overall healthcare costs for some members.
- It does not share for mammograms or colonoscopies.
View the CARE+ Plans & Pricing in Your Area
or compare CARE+ to other healthshare options available at HSA for America
Frequently Asked Questions About the CARE+ Plan
[The CARE+ Plan FAQ]
Q: Once enrolled, can I change my Initial Unshareable Amount?
A: Yes. Members can change their IUAs once per year. However, if you lower your IUA, the change will be subject to a 60-day waiting period for illnesses. Your IUA for accidents will be lowered right away.
Q: Does CARE+ cover hearing benefits?
A: Audiological treatment to correct hearing loss is shareable.
Q: How soon do I need to submit supporting documentation if I have a sharing request?
A: You should submit physician and hospital invoices and other supporting documents to the CARE+ plan as soon as possible. Medical needs will not be shareable if you do not submit the required documentation within six months.
Q: Are cataracts a pre-existing condition?
A: Yes, cataracts are considered a pre-existing condition. Cataract surgery costs are shareable, but subject to a waiting period of one year.
Each eye surgery will be considered a separate medical need request and subject to a separate IUA.
Q: Are Chiropractic visits covered?
A: There are two kinds of circumstances that may apply to chiropractic care.
If the chiropractic services are related to the treatment of a specific diagnosed disease or musculoskeletal injury, then CARE+ will share the cost of up to 25 office visits per need request.
All other chiropractic treatments not related to treating a diagnosed injury or disease will be treated as alternative medical therapies, and subject to the extra limitations described above.
Q: Does the CARE+ plan share costs for alternative medical treatments?
A: Yes, subject to some caveats.
Under the CARE+ plan, most costs for alternative medicine treatments are shareable, provided they are preauthorized, and meet the additional sharing criteria described below.
For an alternative treatment or therapy to be shareable, it must be considered safe and effective by CARE+ administrators. When requesting CARE+ to share the cost of alternative medical treatments, you should be prepared to demonstrate the proposed value of the treatment.
You’ll also need to provide an explanation of why the alternative treatment was selected, and your physician’s notes on your current condition. The plan may be able to help you obtain these notes.
You will also need to provide the estimated cost of the proposed alternative therapy.
You should always ask your provider for their best cash price before submitting the request.
CARE+ considers alternative medical treatment plans on an individual, case-by-case basis. The plan may impose caps on the number of visits or total shareable cost, depending on the service.
Once an alternative therapy is approved, the plan may limit further sharing if you decide to return to traditional care methods.
If you decide to pursue an alternative therapy or course of treatment, CARE+ is there to help. The Plan has a contract with Tivity Health to provide members with a network of alternative health doctors that provides discounts of 10% to 40%.
Tivity Health also provides discounts on dental, hearing, weight loss, pain management, yoga, tai chi, and other exercise therapies, acupuncture, chiropractors, and massage.
Contact your concierge for more information and to preauthorize alternative medical treatment costs.
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