How Lime Mutual Works
Simple, transparent, and community-driven
Choose Your Plan
Select an Individual ($125/mo) or Family ($225/mo) plan that fits your needs.
Choose your category: Lime Essential (no insurance) or Lime Deductible Shield (have insurance). Then pick Individual or Family. Pricing is calculated per person.
Contribute Monthly
Your contribution joins the Community Health Fund. 90% goes directly to member support distributions.
Each month, your contribution joins the Community Health Fund. A small platform fee is deducted; the rest goes directly to support distributions.
Submit Support Requests
When you have eligible healthcare expenses, submit a support request with your receipt.
Upload your receipt, select the category, and submit your support request in seconds. Our team carefully reviews each submission.
Receive Community Boost
Request withdrawal to lock your Community Boost at the current ratio (up to 80%). Processed via batch.
Approved requests enter Community Health Fund exposure. You request withdrawal, the Lime engine locks your Community Boost at the current Boost Ratio (up to 80%), and payment is processed via batch workflow. Full transparency throughout.
The Numbers That Matter
90%
To Shared Pool
80%
Max Reimbursement
~10%
Platform Fee
Frequently Asked Questions
Is Lime Mutual insurance?
No. Lime Mutual provides a technology platform for community health cost-sharing, not regulated insurance. Lime acts as steward of the Community Health Fund. Distributions are not guaranteed and depend on available liquidity — it's not an insurance company.
What happens if requests exceed the fund?
The Boost Ratio adjusts dynamically to maintain fund stability, but never exceeds 80%. The Lime engine coordinates liquidity to ensure fairness. Everything is visible in real time on the transparency dashboard.
How do I verify my identity?
After your first payment, you complete a KYC (Know Your Customer) process by submitting a government ID and selfie through the app.
What expenses are eligible?
Doctor visits, medications, diagnostics, specialist visits, dental and vision are eligible. Emergencies and cosmetic expenses are not.
What's the difference between Lime Essential and Lime Deductible Shield?
Lime Essential is for people without health insurance — the Community Health Fund enables sharing everyday medical costs. Lime Deductible Shield is for insured people who want to share their deductible, coinsurance, and copays. The Shield requires an insurance EOB with each request.
Ready to Join Us?
Choose your plan category.