Sheer Insights
What’s Changing with Sheer Health Memberships
Over the coming weeks, we'll be updating Sheer Health's membership plans and pricing.
What's changing:
- Standard membership remains free
- Out-of-network claim submission support will now be available only on Premium and Max memberships
- Premium and Max pricing will increase
Why We're Making This Change
If you've noticed that dealing with health insurance has become more difficult to navigate lately, you're not imagining it.
As the healthcare system has become more complex, so has the work required to advocate for members and resolve insurance issues on their behalf. What once required a straightforward submission and follow-up can now involve multiple rounds of documentation, reimbursement tracking, escalation, and formal appeals.
These membership and pricing updates reflect the growing complexity of that work and the increasing time and expertise required to support our members.
Membership Plans
Standard — Free
Standard members will continue to have access to:
- Benefits and coverage questions
- Medical bill review
- Provider and network guidance
- Help understanding EOBs and insurance terminology
What’s Changing for Standard Members?
Out-of-network claim submission support will no longer be included in the Standard membership.
Members who need help submitting out-of-network claims, managing denied claims, or handling appeals will now need a paid membership.
Premium — $60/month
Previously $40/month
Premium membership includes everything in Standard, plus:
- End-to-end out-of-network claim submission
- Prescription coverage support
- Insurance plan selection guidance
- Claim follow-ups and reimbursement support
- Denial and appeals support
Designed for: Members who need ongoing out-of-network claim support.
Max — $95/month
Previously $75/month
Max membership includes everything in Premium, plus support for more advanced insurance situations, including:
- Secondary insurance coordination
- Advanced fertility insurance support
- FSA/HSA guidance
- Third-party benefits navigation
Designed for: Members managing complex insurance situations across multiple carriers, providers, and benefits programs.
What This Means for You
If you're on Standard, you'll continue to have access to benefits questions, bill review, and general insurance guidance at no cost.
If you need out-of-network claim support going forward, it will be available with a Premium or Max plan.
Members can always submit out-of-network claims on their own, directly through their insurance carrier. We'll be introducing additional self-service tools and step-by-step guidance within the app over the coming weeks.
All active cases currently in progress as of June 4th, 2026 will continue through completion.
FAQ
Is Sheer Health still free?
Yes. Standard membership remains free and includes support for benefits questions, bill review, and general insurance guidance.
What’s changing in the Standard plan?
Out-of-network claim support is moving to paid plans. This includes claim submission, follow-up, denial review, and appeals support.
What if I need help with out-of-network claims?
Support for out-of-network claims, including claim submission, follow-up, denial review, and appeals, will be available through Premium and Max memberships.
Can I submit out-of-network claims on my own?
Yes. Members can always independently submit out-of-network claims directly through their insurance carrier.
We'll also be adding additional step-by-step guidance and self-service resources within the app to help members navigate that process.
What happens if I don’t upgrade my membership?
You'll still have access to Standard membership features, including bill review, benefits guidance, and general insurance support. You will not be able to open new out-of-network claim submission cases without upgrading.
When will the new pricing take effect? Do I need to update my account?
We'll be sharing timing and billing details with members ahead of any pricing changes. No action is required on your account unless we notify you directly. Please keep an eye on your email for more information.
How do I choose the right Sheer Health membership plan?
- Standard (Free) – General insurance questions, bill review, and benefits guidance
- Premium ($60/mo) – Everything in Standard, plus out-of-network claim submission support
- Max ($95/mo) – Everything in Premium, plus fertility benefits, secondary insurance coordination, FSA/HSA, and complex, multi-carrier situations
Questions about these changes? We're here to help. Reach out through the Sheer app anytime.