DIRECT MEMBERSHIP

The Zion Health Direct membership is our most comprehensive sharing program, offering additional features so you can share in some of your routine medical care as well as the larger, unexpected costs.

TELADOC

Teladoc provides unlimited office visits 24/7 with no consultation fee. Skip the wait at the doctor’s office and get care from home.

NETWORK

The PHCS/Multiplan network gives you access to one of the largest provider networks in the nation with pre-negotiated savings on your everyday healthcare services

PREVENTIVE

Annual provider visits are available for sharing immediately. Immunizations, colonoscopies, and mammograms are shareable after six months of membership, all shared at 100% without needing to meet your IUA.

Preventive Medical Sharing

RX SHARE

Zion Health Direct members have access to discounted prescriptions from any pharmacy. Learn More

Zion Prescription Card

HOW ZION HEALTH WORKS

When a member of Zion Health has a medical need, they are first responsible for paying their Initial Unshareable Amount (IUA). The 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. Zion Health has three simple responsibility options, so you can choose a plan that fits your budget.

LEARN HOW THE IUA WORKS

NO LIFETIME LIMITS

All qualified medical expenses after IUA is met are shareable with the Zion Health community at 100% without an annual or lifetime limit. Members pay a maximum of 3 IUAs per 12-month period.

CALCULATED PER NEED

A member’s IUA is calculated per medical need, meaning members only pay 1 IUA for each need. Members do not pay another IUA for the same need unless they are symptom free for a 12-month period.

How the IUA works

SAVINGS

Members generally save by having an IUA compared to an insurance deductible or annual unshared amount when a large medical need arises.

How you benefit from an IUA model

ZION HEALTH DIRECT MEMBER RATES

IUA Option$1,000
Member$185
Member & Spouse$350
Member & Child(ren)$350
Member & Family$515
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IUA Option$2,500
Member$130
Member & Spouse$240
Member & Child(ren)$240
Member & Family$405
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IUA Option$5,000
Member$103
Member & Spouse$185
Member & Child(ren)$185
Member & Family$295
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IUA Option$1,000
Member$213
Member & Spouse$405
Member & Child(ren)$405
Member & Family$570
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IUA Option$2,500
Member$180
Member & Spouse$323
Member & Child(ren)$323
Member & Family$460
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IUA Option$5,000
Member$158
Member & Spouse$268
Member & Child(ren)$268
Member & Family$405
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IUA Option$1,000
Member$213
Member & Spouse$433
Member & Child(ren)$433
Member & Family$625
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IUA Option$2,500
Member$191
Member & Spouse$350
Member & Child(ren)$350
Member & Family$515
Enroll Now
IUA Option$5,000
Member$169
Member & Spouse$295
Member & Child(ren)$295
Member & Family$460
Enroll Now
IUA Option$1,000
Member$268
Member & Spouse$515
Member & Child(ren)$515
Member & Family$790
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IUA Option$2,500
Member$240
Member & Spouse$433
Member & Child(ren)$433
Member & Family$653
Enroll Now
IUA Option$5,000
Member$185
Member & Spouse$350
Member & Child(ren)$350
Member & Family$515
Enroll Now

* Tobacco surcharge of $50 per household.

VIEW MEMBERSHIP GUIDELINES