GoldCare+ keeps funds to share member expenses if medical need requests exceed the monthly contributions received. To date, all eligible medical expenses have been shared in full without need to draw from the saved funds.
However, if the rare event occurs that all medical need requests cannot be met for a given month, GoldCare+ uses a prorating method to evenly distribute the available funds among members with medical need requests. For example, if the monthly contributions received for a given month amounts to 80% of the expenses for medical need requests submitted for that month, each member would have 80% of their eligible expenses shared that month. GoldCare+ community has not needed to prorate member expenses in the past and has prepared for the event that expenses exceed member contributions.