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What if I have a pre-existing condition?

For pre-existing health conditions that can be improved through lifestyle changes, members may qualify for Solidarity Well. For pre-existing conditions that cannot be improved through lifestyle changes, have evidenced symptoms at the time of enrollment, or received treatment or medication in the past 24 months, we share according to the following schedule:

  • First year of membership: Not eligible for sharing
  • Second year of membership: Up to $25,000 is eligible
  • Third year of membership: Up to $50,000 is eligible
  • Fourth year and following of continuous membership: The condition is no longer considered pre-existing.

For more information, please read our Sharing Guidelines.