Cover What Your Insurance Doesn't
You have health insurance, but deductibles add up fast. The Community Health Fund helps you share your out-of-pocket costs.
Join Lime Deductible ShieldAffordable Pricing
Per-person pricing — pay exactly for your household
Individual
$25/mo
Participation for yourself
Family
Per-person pricing
Made For You If...
You Have Health Insurance
You already have a private or employer health plan, but still face significant out-of-pocket costs.
High Deductibles
Your insurance plan has a high deductible (e.g., $1,500–$6,000/year) before coverage kicks in.
Family with Copays
Multiple family members with regular copays, coinsurance, or specialist visits add up quickly.
How Deductible Shield Works
Pay Your Bill
You receive care and pay your deductible, copay, or coinsurance to your provider.
Get Your EOB
Your insurance sends you an Explanation of Benefits (EOB) showing what they paid and your responsibility.
Submit Support Request
Upload your bill and EOB. The Lime engine verifies the patient responsibility from your EOB.
Receive Community Boost
Request withdrawal to lock your Boost at the current ratio (up to 80%). Processed via batch.
Example Scenarios
Specialist Visit
Insurance pays $300. Your copay is $150. Lime reimburses up to 80% ($120).
Annual Deductible
Before hitting your deductible, insurance pays $0. Lime reimburses up to 80% ($640).
Surgery Coinsurance
20% coinsurance on a surgery. You owe $1,000. Lime reimburses up to 80% ($800).
*Boost Ratio adjusts dynamically based on available liquidity. 80% is the maximum.
Support Request Requirements
Deductible Shield requires two documents per request:
Medical Bill or Receipt
The original bill or receipt from your healthcare provider showing the total amount billed.
Insurance EOB (Explanation of Benefits)
Your EOB must clearly show: amount billed, amount paid by insurance, and patient responsibility.
Note: The Community Boost is a percentage of the patient responsibility amount shown on the EOB.
Eligibility & Conditions
30-Day Waiting Period
After joining, wait 30 days before submitting your first support request.
Must Have Active Insurance
You must maintain active health insurance. The Community Health Fund shares your out-of-pocket portion only.
EOB Required
Every support request requires an EOB. Requests without a valid EOB will not be processed.
KYC Verification
Identity verification required to activate participation. Upload ID and selfie after signing up.
Ready to Shield Your Deductible?
Individual from $25/month · Family from $50.00/month
Get Started