No. Insurance arrangements are a contract whereby one party agrees to be legally responsible for and accept another party’s risk of loss in exchange for a payment—a premium.
Medical cost sharing is a community where members agree to share medical expenses through voluntary giving. Unlike insurance, the focus of Zion HealthShare is to provide an avenue for members to help each other bear their immediate healthcare expenses.
Since the 1980s, health share programs have grown as a low-cost alternative to health insurance. A health share is a group of people who have agreed to help with each other’s medical costs.
Most health shares operate through monthly contributions distributed to people who need help paying medical bills. Health share programs generally have an unshared amount that an individual is responsible for paying before sharing begins.
What is an IUA?
The initial unshareable amount, or IUA, is the amount a member will pay per medical need before the Zion HealthShare community shares in medical expenses. Zion HealthShare has three IUA options: $1,000, $2,500, and $5,000. The lower your IUA, the higher your monthly contribution will be.
For a medical expense to qualify towards the IUA, it must meet the Member Guidelines and be determined eligible for sharing.
How does Zion HealthShare work?
Once you are a member, Zion HealthShare works in three simple steps: 1. Submit a Sharing Request: Unless it is an emergency, contact Zion HealthShare prior to any medical appointment. Our Medical Advocacy team can help you navigate your healthcare experience. 2. Present as a Self-Pay Patient: Zion HealthShare is not insurance. At your appointment, please present as a self-pay patient. 3. Share with the Community: Eligible medical expenses will be shared among community members. When your medical need is determined eligible for sharing, Zion HealthShare will work with you to coordinate provider payments. As you receive bills from your provider, request itemized statements and send them through your member portal.
Does Zion HealthShare have religious requirements?
No. Zion HealthShare welcomes members of all walks of life regardless of religious affiliation.
Is Zion HealthShare right for my family?
Zion HealthShare may be the right fit for you if you are looking for a proven and effective alternative to health insurance. Zion HealthShare offers cost-sharing for significant medical expenses and can save members up to 60% on their healthcare costs.
Choose your membership!
Why Zion HealthShare?
Why Zion HealthShare?
Accepting
We have a diverse membership base, and we accept people of all walks of life regardless of faith.
Freedom-Focused
Members have the freedom to work with any provider without network restrictions.
Efficient
With proper documentation sharing requests could be processed in as quickly as five business days.
Unlimited
We do not have annual or lifetime sharing maximums.
Community-Driven
We voluntarily share each other’s medical costs as a community of like-minded individuals.
Accessible
We have payment options that allow the freedom to choose a preferred method.
Healthy
We encourage healthy living practices for all members of our community.
Worldwide
We share into acute medical costs incurred outside the United States.
Accepting
We have a diverse membership base, and we accept people of all walks of life regardless of faith.
Freedom-Focused
Members have the freedom to work with any provider without network restrictions.
Efficient
With proper documentation sharing requests could be processed in as quickly as five business days.
Unlimited
We do not have annual or lifetime sharing maximums.
Community-Driven
We voluntarily share each other’s medical costs as a community of like-minded individuals.
Accessible
We have payment options that allow the freedom to choose a preferred method.
Healthy
We encourage healthy living practices for all members of our community.
Worldwide
We share into acute medical costs incurred outside the United States.
Mary Gardner
July 28, 2023
Chris was awesome!!!!
Holly Morris
July 28, 2023
Chris was so helpful and knowledgeable during the orientation process. The signup process has been very easy.
Andrew Tevald
July 27, 2023
Zion health is responsive and easy to speak to. Major benefit!!!
Andy Harstad
July 27, 2023
My family of 5 has been part of Zion for more than 5 years and Zion has been wonderful. Timely responses to all of our needs via email and phone calls. They process your requests right away(great online portal), payments or reimbursements are sent within 5-8 days and finanically it has been a very smart choice for our family.
Linda Simmons
July 27, 2023
Love working with Zion Health Share! Customer service is great!
Leslie Libutti
July 27, 2023
We have been members with Zion Health Share since 2020 and have found it to be the perfect fit for our finances and lifestyle. As self employed, small business owners, we used to buy health insurance for 3 times the monthly cost of our membership with Zion, and that got us a high-deductible health plan, which meant we would be out of pocket over $36,000 annually before any coverage kicked in. We do our best to live healthy so, thankfully, we never had any major medical needs. Even still, the annual cost of insurance added to the stress of being an entrepreneur. The cost of membership with Zion is so reasonable. The peace of mind of belonging to the community and the customer service level we've received any time we've had questions is unparalleled. We've referred several other families over the past few years and couldn't be happier with Zion!
Stephen Merkley
July 26, 2023
My first time signing in to ask for share request was a pleasant experience. The Zion customer service was very helpful in getting my request submitted.
Lauren Lyles
July 26, 2023
Customer service was great. Love paying into a group that helps others <3
Leah Champagne
July 26, 2023
So excited to be part of Zion! Just finished my welcome call where they were very patient and answered all of my questions. It seems too good to be true, but it's REAL! I've been recommending them to all my family and friends.
Robin Carter
July 26, 2023
Having been a member of a different bill sharing network for many years prior to making the change to Zion, all I can say is: there is no comparison. Everything is better here. Timeliness of communication, easy to understand member guidelines, prepaid credit cards to use for wellness appointments and preventative screenings made everything stress free, and the affordable monthly fees are just amazing. We're just sorry it took us so long to leave our other network!
Joining is as easy as 1-2-3.
1. Select a membership
We offer two different membership types: Direct and Essential. The Direct Membership is all-inclusive and automatically includes additional services like Teladoc and Preventive Sharing. The Essential Membership is a basic membership that is customizable to fit your exact needs.
2. Sign up
Once you have decided on the membership type, you can sign up directly from our website or call our Member Care team for 1-on-1 support.
When you experience an eligible medical need, submit a sharing request, pay your pre-determined IUA, and let the community share the rest.
Direct Membership Features
How Much Do Direct Memberships Cost?
You may choose from an IUA of $1,000, $2,500, or $5,000. This is the amount you will pay when you incur medical expenses deemed eligible for sharing. Once your paid medical expenses rise above the threshold of your IUA, the eligible medical costs become shareable with the community.
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