Compare a typical insurance plan with Cove membership paired with a health-sharing ministry
Insurance bundles everyday doctor visits with major medical coverage — and you pay for both in the premium. Many Cove members unbundle: unlimited primary care here, plus a health share for hospital and specialist bills.
Cove membership is priced by age, with a $200/month family maximum. Membership starts at age 2 — call or schedule a Meet & Greet for infants.
Children 2–18
$35/month each
Adults 19–44
$65/month each
Adults 45–64
$75/month each
Adults 65+
$85/month each
Cove DPC membership$65/month($780/year)
Typical Indiana-style figures — edit to match yours
What you pay every year to keep a typical plan, plus routine copays.
Your share after any employer contribution. Unsubsidized marketplace plans often land near the pre-filled amount.
What you’d pay toward a hospital stay, imaging, or specialist care before insurance covers most of it.
Set to $0 if your plan is a high-deductible plan without copays.
Unlimited primary care at Cove, with a sharing ministry for big bills. Health shares are not insurance.
Cove DPC membership
$65/monthfrom your household
Sharing ministries commonly cost 40–50% less than an unsubsidized premium. Replace with a quote from the ministry you’d join.
Similar to a deductible: the amount you pay toward a large eligible bill before sharing begins. Common IUAs are $1,000–$5,000.
A typical year is premiums (or membership + share) plus routine primary-care copays. A year with a large claim adds the insurance deductible or the health-share IUA — primary care at Cove still has no extra visit fee.
Premiums or membership + share, plus routine primary-care copays. No hospital bill.
Same monthly costs, plus the insurance deductible or the health-share IUA.
In a typical year, this household saves about $2,700 — $225 per month — and still has 24/7 access, no copays, and unhurried visits at Cove.
Optional — the results stay on this page either way. Leave your details if you’d like a copy or a follow-up from Cove. Nothing is required to keep using the calculator.
This is an educational estimate, not a quote. Health-sharing ministries are not insurance and are not regulated as insurance in Indiana; they typically share eligible expenses after an IUA and may have waiting periods or limits. Cove DPC does not sell insurance or health-share memberships. Confirm current premiums, deductibles, and sharing contributions with your plan or ministry. Actual savings depend on your household, health needs, and the coverage you choose.
Schedule a free Meet & Greet — we’ll walk through membership, health shares, and what everyday care looks like at Cove.
