Sharing Requests

A cooperative approach to Sharing,
and supporting each other.

When you need care, your community is ready to help. Here is how you submit a Sharing Request, and how we walk alongside you every step of the way.

Submitting a Sharing Request with EverTrust
Member Resource Feb 2, 2026

Submitting a Sharing Request with EverTrust

A practical guide for members, what a sharing request is, how to use self-pay, what to submit for emergency and outpatient care, maternity, and key reminders to keep the process moving.

Read the full guide
The process

How to submit a Sharing Request.

Follow these steps to submit your sharing request. Your Member Success advocate is available to help you at any point.

1

Receive Care

Visit your provider and get the care you need. When you do, present yourself as a self-pay and ask to be billed directly. This simple step unlocks lower rates, expedites the determination process, and helps keep costs fair for your community.

Make sure to — Ask your provider for an itemized bill, not just a summary. Itemized bills are required when you submit your Sharing Request and make the review process much smoother.
i Planned healthcare & pre-payment?
Planned & Pre-PaymentFor non-emergent procedures and preventive services, EverTrust can help facilitate pre-payment when appropriate. Submit a Sharing Request early to get your Member Success advocate involved so they can support you before care is received.
2

Gather Documents

Collect documents as you receive care, including medical records, receipts, and itemized bills with self-pay adjustments.This helps streamline your share request when you're ready to submit.

What to get — Original itemized bills, provider clinical notes, and any receipts showing payment toward your MRA. Your Member Success advocate can help you confirm what is needed for your specific situation.
i Want to avoid delays?
Document Collection TipCheck your provider’s patient portal first. Medical records and itemized bills are often available there sooner than by mail, helping prevent delays.
3

Submit a Sharing Request

Submit your Sharing Request as soon as possible using the Sharing Request link. You don’t need every document to get started. Submit what you have and add additional items as they become available. Opening your Sharing Request early helps the process begin sooner.

Timing matters — Submit your Sharing Request as soon as reasonably possible. Do not wait for all your bills to arrive. Start early, submit documents as received, and let your Member Success advocate help you stay on track.
i Paying your MRA?
Member Responsiblity Amount (MRA) PaymentsYou pay your MRA directly to your provider. If you are unsure when or where to pay, your Member Success Team is here to guide you. As you pay, save your itemized receipts and include them when you submit your Sharing Request. Preventive Sharing Requests are the exception — no MRA required.
4

Determination Review

Once EverTrust receives your Sharing Request, your documentation is reviewed under the Member Guidelines. EverTrust will evaluate whether the request may be considered for voluntary sharing, including applicable eligibility requirements, limitations, pre-existing-condition criteria, sharing allowances, and available community-sharing resources. Your advocate will keep you informed throughout the review and request additional information needed to keep you on track.

Expedite the process — The more complete your submission, the faster your review. Submitting medical records alongside your bills is strongly recommended.
i Getting your medical records?
Gathering Medical Notes Read the full guide Think of medical records as your medical notes — they confirm what care you received and why. The fastest way to get them is through your provider's patient portal. No portal? Call or email your provider's office and request them directly. Your Member Success Team is happy to help if you get stuck, just know that delays can happen when records need to go through us, so getting them on your end first keeps things moving.
5

Paying Medical Bills

If a Sharing Request is determined to be eligible for voluntary sharing under the Member Guidelines, and community-sharing resources are available, EverTrust may facilitate distribution of shared funds in accordance with the approved request. Your advocate will help you understand the process and available options.

Processing time varies — Processing time varies based on the completeness of the documentation, the type of Sharing Request, provider circumstances, available community-sharing resources, and other applicable requirements. EverTrust will work to review complete requests promptly but does not guarantee a particular review or distribution timeline.
i How to speed things up?
Communication from EverTrustWe move quickly, and your responsiveness helps us do that. When we reach out with a question or request, a timely reply from you keeps your Sharing Request on track. Funds are typically delivered through an instant virtual debit card sent right to your email — no waiting for a check in the mail. If a reimbursement is needed instead, we will collect your ACH information to make that happen. Your advocate is with you through every part of this.
Required documents

What you will need.

EverTrust may request certain documentation depending on your situation. Start gathering these as soon as you can.

Your original itemized medical bills

Full itemized bills from your provider, not summary statements with self-pay adjustments applied. These need to show all procedures, dates, and costs.

Your provider's clinical notes

Medical notes from your provider regarding your visit, diagnosis, and details on the care you received.

Proof of your MRA payment

Receipts showing any payments made toward your Member Responsibility Amount. Your MRA is paid directly to your provider, not to EverTrust. Your advocate can help guide you on how and when to pay if you need it.

Any additional supporting documentation

EverTrust may request additional records specific to your situation. Your advocacy team will guide you on exactly what is needed.

Before you submit

Important things to know before you submit.

For planned procedures, let us know.

Inform EverTrust as soon as a planned procedure is recommended. As a direct-pay patient, it is common for providers to ask for prepayment, that is something we actively help facilitate. The earlier EverTrust is informed, the more it may be able to help you review the Member Guidelines, explore cost-conscious options, obtain pricing information, and understand the documentation that may be needed for a Sharing Request. Early notice does not guarantee that any expense will be eligible for voluntary sharing.

i How to lower your MRA
Planned procedure tooltipMembers who take steps to work with EverTrust to find fair-cost procedures may be eligible to lower a portion or all of their MRA. This includes using self-pay resources, comparing providers, or choosing a fair-cost facility when available.

In an emergency, get care first.

When it is a true emergency, do not wait. Get the care you need right away and contact your advocate as soon as you reasonably can after. If a provider asks for your insurance card, let them know you are a self-pay patient. Emergency care does not require prior notification to EverTrust. After receiving necessary emergency care, you may contact EverTrust when reasonably able for information about submitting a Sharing Request. Any request remains subject to review under the Member Guidelines.

i How to lower your MRA
Emergency tooltipYou may be able to lower your MRA by working with EverTrust. When you take steps to reduce your medical costs — such as requesting a self-pay application, gathering itemized bills with self-pay adjustments applied, or participating in attorney-led negotiations — EverTrust may approve a reduction to your MRA. Every effort you make toward lowering costs is an effort that can work in your favor.

With maternity, notify us when confirmed.

As soon as your pregnancy is confirmed, submit a Maternity Sharing Request along with documentation confirming your due date. Your maternity advocate can provide general information and help you understand the Member Guidelines, anticipated documentation, healthcare-navigation considerations, and the Sharing Request process for maternity-related expenses. The sooner we know, the more we can do.

i How to lower your MRA
Maternity tooltipNotifying EverTrust early allows time to plan for fair-cost maternity care. When total eligible maternity costs are kept under $10,000, members may qualify for a $1,500 reduction to their MRA. Using self-pay resources and planning ahead can help support this goal.

Getting preventive care services, no MRA.

Certain preventive services may be considered under separate preventive-sharing provisions. Whether a particular service is eligible, and whether a Member Responsibility Amount (MRA) applies, depends on the applicable Member Guidelines and the specific facts of the request.

i How they work differently
Preventive tooltipPreventive services do not require a Member Responsibility Amount (MRA). Some wellness services, such as $0 labs, are available through your Virtual DPC. If a bill is received in advance, prepayment may be available; however, reimbursement is most commonly used. Submissions typically require a receipt, itemized bill, and the member’s ACH information.
Common questions

Sharing Request FAQs.

What is a Member Responsibility Amount (MRA) and how does it work for me?
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Your MRA is the amount you pay toward eligible medical expenses before they become shareable by your community, similar to a deductible. Once you have satisfied your MRA, eligible expenses above that amount are shared. Learn more
How do I handle billing before a scheduled procedure?
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For scheduled procedure, providers often require payment in advance, so it's important to plan ahead. Request a Good Faith Estimate from both the facility & surgeon, as these are typically separate bills. Once received, EverTrust can help you coordinate prepayment directly with each provider. Learn more
What is a virtual debit card?
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It's a digital card that is emailed to you and can be used to pay your providers directly. It is issued by EverTrust with a set spending limit based on youre eligible expenses and is the preferred method to help you convinently pay your medical bills.Learn more
Why should I use a surgical center over a hospital for my surgery?
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Surgical centers are typically much less expensive than hospitals for the same procedures. They are more specialized and focused on specific procedures, and unlike hospitals, they do not treat a wide range of illnesses at the same time. They are also more accustomed to working with self-pay patients, making pricing, scheduling, and payment arrangements simpler and more transparent. Learn more
What is the advocacy team?
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The advocacy team is a dedicated group you can turn to when you need help navigating the healthcare process. They provide support, answer questions, and help you understand your options so you can move forward with confidence.

EverTrust Health Share is a nonprofit organization advancing healthcare affordability, cost transparency, patient advocacy, and community education. Free educational resources, general advocacy support, and need-based assistance are available to everyone, with or without membership. Individuals may also choose to participate in a voluntary medical-expense-sharing program governed by the Member Guidelines. EverTrust is not insurance, and no medical expense sharing is guaranteed.

Ready to submit

Submit your Sharing Request.

Have your documents ready and and complete the form thoroughly. If you have any questions before you submit, reach out to us first, we are here to help.

Submit a Sharing Request Call 702-729-3390

EverTrust Health Share is not insurance. Participation in medical-expense sharing is voluntary. Submission of a Sharing Request does not guarantee that any expense will be shared. All requests are subject to the Member Guidelines, applicable limitations, available community-sharing resources, and EverTrust's review. View member guidelines.