--- title: How does GoldCare+ handle medical claims? description: Because there is no transfer of risk, as defined in applicable insurance rules and regulations, with respect to GoldCare+’s medical cost sharing program, no “claim” is ever owed by GoldCare+ on behalf --- [Skip to content](https://help.goldcare.com/how-does-goldcare-handle-medical-claims#main-content) English Show submenu for translations ![GoldCare Logo-Jan-22-2024-02-15-53-7887-PM.png\]](https://help.goldcare.com/hs-fs/hubfs/GoldCare%20Logo-Jan-22-2024-02-15-53-7887-PM.png?height=50&name=GoldCare%20Logo-Jan-22-2024-02-15-53-7887-PM.png) Open main navigation Close main navigation - English Show submenu for translations - GoldCare Website GoldCare Website Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://help.goldcare.com/?hsLang=en) 2. [GoldCare + Healthshare](https://help.goldcare.com/goldcare-healthshare?hsLang=en) # How does GoldCare+ handle medical claims? Because there is no transfer of risk, as defined in applicable insurance rules and regulations, with respect to GoldCare+’s medical cost sharing program, no “claim” is ever owed by GoldCare+ on behalf of any member. When members incur medical expenses, they submit medical need requests that may or may not be eligible for reimbursement from the Benevolent Fund. Members are required to submit proof of their medical expenses to GoldCare+. GoldCare+ then evaluates each submission for eligibility or ineligibility based on the Member Guidelines. Eligible medical need requests are designated for sharing using the funds accumulated through monthly member contributions. We "bear each other's burdens" - the expectations on both sides are clear. GoldCare+ provides a safety net for large and/or unexpected healthcare expenses, GoldCare+ saves you a great deal of money compared to health insurance premiums/deductibles/copay/co-insurance, and GoldCare+ gives you complete medical freedom of choice.  - [Introduction to GoldCare](https://help.goldcare.com/introduction-to-goldcare?hsLang=en) - [New Membership Sign-Up](https://help.goldcare.com/new-membership-sign-up?hsLang=en#main-content) - [Verification Code](https://help.goldcare.com/new-membership-sign-up?hsLang=en#verification-code) - [Logging into my account](https://help.goldcare.com/logging-into-my-account?hsLang=en) - [Healthcare Services](https://help.goldcare.com/healthcare-services?hsLang=en#main-content) - [Covid Pack](https://help.goldcare.com/healthcare-services?hsLang=en#covid-pack) - [Appointments](https://help.goldcare.com/appointments?hsLang=en) - [Classes](https://help.goldcare.com/classes?hsLang=en) - [Tokens](https://help.goldcare.com/tokens?hsLang=en) - [Intake Forms](https://help.goldcare.com/intake-forms?hsLang=en) - [Pharmacy](https://help.goldcare.com/pharmacy?hsLang=en) - [Settings](https://help.goldcare.com/settings?hsLang=en) - [Messages](https://help.goldcare.com/messages?hsLang=en) - [Family Members](https://help.goldcare.com/family-members?hsLang=en) - [PMA agreement / Code of Conduct](https://help.goldcare.com/pma-agreement-code-of-conduct?hsLang=en) - [Labs and Imaging](https://help.goldcare.com/labs-and-imaging?hsLang=en) - [Cancellation & Refunds](https://help.goldcare.com/cancellation-refunds?hsLang=en) - [GoldCare + Healthshare](https://help.goldcare.com/goldcare-healthshare?hsLang=en) - [Contact Us](https://help.goldcare.com/contact-us?hsLang=en) [![Chill listening crop-3](https://help.goldcare.com/hs-fs/hubfs/Layer_1%20(1).png?width=123&height=24&name=Layer_1%20(1).png "Chill listening crop-3")](https://www.goldcare.com/?hsLang=en) Copyright © 2026, GoldCare