DIRECT MEMBERSHIP
Zion Health Direct Members enjoy all the amazing sharing features of the Zion Health community plus the three extra features below.
TELADOC
Zion Health’s Teladoc Membership provides unlimited consultations 24/7 at no consultation fee. Skip the line at the doctor office and utilize your included Zion Health Teladoc Membership!
NETWORK
Access to the PHCS/Multiplan national network of providers. You can still work with any provider but now gain pre-negotiated costs savings and simplicity using this nationwide PPO network.
PREVENTATIVE
Annual wellness visits shared without a waiting period! Immunizations, colonoscopies and mammograms are shared after one year of membership. Preventive services use PPO PHCS network or select providers.
WE HAVE THREE SIMPLE RESPONSIBILITY OPTIONS!
The Initial Unsharable Amount (IUA) is the personal responsibility of the member for their medical needs. All qualified medical expenses after the IUA is met are shareable with the Zion Health community.
LEARN HOW THE IUA WORKS
IUA OUTLINE
The Initial Unsharable Amount (IUA) for each member’s medical need is the responsibility of member. All qualified medical expenses after IUA is met are shareable with the Zion Health community at 100% and without an annual or lifetime limit.
ADVANTAGE
For each medical need, the community shares in medical expenses after the initial unshareable amount (IUA) is met. This amount paid by the member does not need to be paid again until you are symptom free for 12 months.
RECAP
The Initial Unsharable Amount (IUA) is better for members than a deductible when a large medical need comes up. Often care for a sickness or injury is not limited to a single calendar year. Members generally save by having an IUA.
ZION HEALTH DIRECT MEMBER RATES
| $1,000 IUA | $2,500 IUA | $5,000 IUA | |
| Member | $185 | $130 | $103 |
| Member & Spouse | $350 | $240 | $185 |
| Member & Children | $350 | $240 | $185 |
| Member Family | $515 | $405 | $295 |
| $1,000 IUA | $2,500 IUA | $5,000 IUA | |
| Member | $213 | $180 | $158 |
| Member & Spouse | $405 | $323 | $268 |
| Member & Children | $405 | $323 | $268 |
| Member Family | $570 | $460 | $405 |
| $1,000 IUA | $2,500 IUA | $5,000 IUA | |
| Member | $213 | $191 | $169 |
| Member & Spouse | $433 | $350 | $295 |
| Member & Children | $433 | $350 | $295 |
| Member Family | $625 | $515 | $460 |
| $1,000 IUA | $2,500 IUA | $5,000 IUA | |
| Member | $268 | $240 | $185 |
| Member & Spouse | $515 | $433 | $350 |
| Member & Children | $515 | $433 | $350 |
| Member Family | $790 | $653 | $515 |
* Tobacco surcharge of $50 per household.