Frequently asked questions

Sovereign Care Collective is a membership-based community that supports a proactive, root-cause approach to wellness.  It’s designed to help you better understand your health, explore functional and holistic care, and request support for eligible wellness expenses through a shared contribution model.

No.  Sovereign Care Collective is not insurance and does not replace insurance. There are no claims, approvals, or guarantees of payment.  It is a voluntary membership that supports wellness choices through a shared community model.

You join with a simple monthly contribution.  As a member, you can:  ● Access wellness education and resources  ● Work with practitioners of your choice  ● Submit eligible expenses for reimbursement consideration

● Pay for eligible wellness services  ● Upload your receipt in your member portal (name must match the member) Requests are reviewed quarterly:  March 31  June 30  September 30  December 31 A 5-day grace period is allowed for end-of-quarter services. After this period, receipts are no longer eligible for processing.  Reimbursements are processed following the review period.

Each membership has a quarterly reimbursement limit based on total contributions, with up to an additional 15% supported by the community pool.  Current limits:  Individual: up to $300  Couples: up to $525 (shared)  Family: up to $800 (shared)  Couples and families share one reimbursement pool. Any member may use the available amount.

No.  Reimbursements are not guaranteed. Requests are reviewed based on eligibility, available funds, and the sustainability of the community pool. However, SCC is built to support members by carefully reviewing each request and working to reimburse eligible expenses whenever possible.

Yes.  New members have a 90-day waiting period before submitting requests. After this period, receipts may be submitted during the next reimbursement cycle.  This structure helps maintain stability within the shared community model.

Eligible services must:  Be provided by a licensed or board-certified practitioner  Involve direct care, evaluation, or guidance  Examples may include:  Functional medicine visits  Practitioner-ordered lab testing  Acupuncture and licensed therapies  Trauma-informed therapy  Naturopathic care  Nutrition and medical-grade protocols

To maintain focus and sustainability, some services and products are not eligible. These include:  Conventional medical care typically covered by insurance (primary care, urgent care, hospital services)  Emergency medical treatment  Prescription medications  Retail supplements and wellness products  Standalone lab testing without practitioner involvement  Services from non-licensed or non-board-certified practitioners  SCC is designed to support functional, holistic, and practitioner-guided care, not insurance-based services or retail wellness purchases.

Yes.  While some items are not eligible for reimbursement, SCC is building a network of partners who may offer exclusive member discounts.  This allows access to additional wellness tools while keeping the shared model sustainable.

Yes. You are free to work with any practitioner you choose.  For reimbursement eligibility:  The practitioner must be licensed or board-certified  The service must align with SCC’s wellness-focused approach  SCC may provide a directory of practitioner members for convenience.

No.  Sovereign Care Collective does not recommend, endorse, or guarantee any practitioner. Members are responsible for choosing providers that align with their needs and values.

The SCC directory is a list of practitioners within the community. Many of whom offer exclusive discounts to members.  Inclusion in the directory does not imply endorsement.

Your information is kept private and used only for membership and administrative purposes. SCC does not sell or share your data.

This model balances flexibility with sustainability.  Members contribute to a shared pool, allowing support to flow where needed while maintaining fairness across the community.

Yes.  Members may cancel at any time. Cancellations take effect at the end of the current billing cycle.  Members must maintain an active membership through the reimbursement review period for any submitted requests to be considered.