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Health share plans are one of the most effective and affordable alternatives to traditional health insurance. Through a health share program, people with similar beliefs can help each other with healthcare costs, creating a structured way to share healthcare-related expenses.
However, finding the right health share plan can be daunting. There are multiple providers around, and not all are created equal. Luckily, you have Health Share 101.
I’ve personally evaluated and reviewed all popular health share options, taking into consideration such factors as the price, coverage scope, exclusive benefits, and membership criteria.
The result of my research is the following guide to the best health share plans for 2025. Read on to find the right health share option for your needs.
Overview of the Best Health Share Plans
| Health Share Provider | Pros & Cons | |
| Zion HealthShare – Best Overall | ✅ Accepts members of all faiths ✅ No annual or lifetime caps on eligible need requests ✅ No healthcare network restrictions ✅ Excellent maternity benefits | ❌ Adoption expenses aren’t shareable ❌ Still a young company, which may be a con for some |
| Christian Healthcare Ministries (CHM) – Best Christian Plan | ✅ No application or annual fees ✅ BBB accredited ✅ Shareable maintained pre-existing conditions ✅ Offers telemedicine | ❌ No sharing options for preventive care ❌ No maternity sharing benefits for unwed women |
| United Refuah – Best Jewish Option | ✅ No lifetime sharing limits ✅ Appealing prescription discounts ✅ Affordable contributions | ❌ No discounts for dental or vision care ❌ No maternity sharing benefits for unwed women |
| Sedera – Best Non-Religious Option | ✅ No annual or lifetime sharing limit ✅ Affordable and transparent pricing ✅ Pre-existing conditions are fully shareable (after 37 months of membership) | ❌ Non-shareable adoption expenses ❌ Monthly share cap |
What Are the Best Health Share Plans to Join in 2025?
There are many health share plans you can join. However, if you want to have peace of mind your healthcare needs are met, these five best health share plans would be my top recommendations:
#1 Best Overall Health Share Plan: Zion HealthShare
After thoroughly reviewing all health share plans, I can easily say that Zion HealthShare offers the best price and value to its members.
Although still relatively new (established in 2019), Zion HealthShare has already gathered a large health sharing community that accepts members of all faiths. Here are a few reasons why Zion, in my humble opinion, stands out above the rest:
- No annual or lifetime sharing request limits: Zion HealthShare has no annual or lifetime limits on eligible need requests – which is huge!!!
- Excellent maternity benefits: Zion HealthShare also offers great maternity benefits, often paying for everything before the baby is even born. I have even read a few reviews from Zion members who have said they even received flowers from Zion Health Share as a “Congrats” on their new baby. I don’t know if they do that for everyone, but this is the kind of company that really shows that they care about their members.
- No network restrictions: Zion doesn’t impose any restrictions regarding its healthcare network. This means members have the freedom to choose which medical care professionals they want or need.
- Fast processing: Zion HealthShare is known for processing medical bills quickly, which is another reason many members choose them. This means that as a self-pay patient, you know that your eligible medical bills are going to be taken care of in a timely manner.
- Open and caring community: Additionally to amazing value and service, Zion HealthShare accepts members of all faiths. It is a community of those who strive to live a healthy lifestyle and want to share in the costs of one another’s medical burdens.
- Nationwide HealthShare: Zion is a Nationwide HealthShare, so you can live anywhere in the United States and become a member. They will share medical costs when on vacation or serving a mission outside of the United States. This means that international sharing is available to you!
The verdict? My family joined Zion HealthShare, and it’s the one that I recommend to my own family and friends – not just for the tangible benefits but for the assurance that someone’s got our back.
Of course, it’s not without its downsides. One significant disadvantage is that Zion doesn’t make adoption expenses shareable. Also, as a still new company, some might find it difficult to trust them.
Zion HealthShare is available in two plans – Direct and Essential. Both options cost between $1,000 and $5,000 IUA (initial unshareable amount), with monthly contributions ranging from $103 to $790 depending on the member’s age and whether they enroll on Zion’s health share plan alone or with a family.
Why not find out if it’s the right fit for you? 🌟 Get a Zion HealthShare quote now!🌟
#2 Best Christian Only Health Share Plan: Christian Healthcare Ministries (CHM)
Christian Healthcare Ministries (CHM) has been around for over 40 years, and they are one of the more well-known health share organizations. Let’s go through some of the key factors that make it an appealing health share option:
- ACA compliant: Christian Healthcare Ministries is a federally certified entity and an exemption to the U.S. Patient Protection and Affordable Care Act (aka Obamacare), which means that CHM is an eligible option under the US healthcare law.
- Simple & quick bill processing: CHM members can quickly submit their medical bills along with simple forms. These costs are then reimbursed or shared with other CHM members.
- The Brother’s Keeper Program: Additionally to standard Bronze, Silver, and Gold memberships, CHM beneficiaries can take advantage of the Brother’s Keeper Program, the CHM’s catastrophic bills program that safeguards (for additional cost) its members against catastrophic injuries and illness by helping them meet medical bills exceeding $125,000.
If you are looking to join Christian Healthcare Ministries, I’d recommend considering enrolling in their Gold Plan with Brother’s Keeper for unlimited sharing. The additional monthly cost will be worth it since the Bronze and Silver plans are very limited, with, for example, no maternity benefits available for sharing.
Also, as you would expect from a Christian health share plan, CHM members must agree to abide by their specific Christian qualifications in order to join. Some requirements to join are to attend church regularly and agree to specific bible principles.
One word of caution with CHM is that if you or someone in your household has a medical need that results in something that goes against their member guidelines, such as an unwed pregnant woman or teen, Christian Healthcare Ministries will not pay for any maternity benefits or related medical expenses since pregnancies for unwed mothers goes against their member guidelines.
While this is the same for most faith-based organizations, it’s something to be aware of before joining them.
If you are looking for a Christian-only Health Share plan, you can get a CHM quote today.
#3 Best Jewish Only Health Share plan: United Refuah
United Refuah was created to provide a medical cost-sharing option to the Jewish community after many Christian Health Shares were unwilling to accept Jewish members. In fact, United Refuah is the only Jewish Health Share organization available today and has excellent reviews from its members.
Here’s what makes Uniter Refuah stand out as a valid health share plan:
- No lifetime sharing limit: Like Zion, United Refuah doesn’t impose sharing limits. This is a massive advantage and one of this health share plan’s flagship features.
- Affordable & transparent contributions: United Refuah has an established and affordable fee structure of up to $499 per month for families of 3-6 members.
- Annual wellness visits: After the initial 60 days of membership, United Refuah members become eligible for one shareable annual wellness or physical visit of up to $600, including wellness laboratory tests and other healthcare services.
One thing to keep in mind before enrolling for the United Refuah’s health share plan is that, similarly to Chrisitan plans, you must adhere to specific membership guidelines. There’s also the case of the strict pre-authorization policy, where most claims are shareable only after preapproval.
If you are looking for a Jewish-only Health Share plan that shares needs in accordance with Torah values, you can get a United Refuah quote today.
#4 Best Non-Religious Option: Sedera
Although Zion HealthShare would be my primary option for non-religious health share plans, Sedera offers a great alternative. Here’s what makes Sedera a valid health sharing option:
- Multiple membership options: Sedera offers numerous membership options, allowing you to choose a plan that best fits your specific needs.
- Sedera’s Expert Second Opinion (ESO): Sedera offers a discount of $250 on the Initial Unshareable Amount (IUA) for members who obtain a second opinion on diagnoses or treatment plans for non-emergency or elective surgeries through its Expert Second Opinion (ESO) program.
- Open & supporting community: Like Zion and unlike religion-based health shares, Sedera doesn’t impose strict membership guidelines accepting members of all faiths.
The primary issue I have with Sedera is its monthly share cap. Single need can’t consume more than one-third of the total number of shares available in a given month. This results in a need being capped, but it is at an unknown amount since it is dependent on how many people contribute to the health share each month.
All things considered, though, Sedera is a valid health share option, especially for those who aren’t eligible for Christian or Jewish plans. Get a Sedera quote today!
Why not find out if it’s the right fit for you? 🌟 Get a Sedera quote now!🌟
FULL SEDERA HEALTH SHARE REVIEW
What Are the Best Health Share Plans to Join in 2025?
When it comes to your healthcare, most people think that their only options are to pay for expensive Health Insurance or try out your luck being uninsured.
The great news is that you have a third option; You can join a Health Share plan that is affordable and meets your needs! Health Sharing programs are one of the most effective and affordable alternatives to Health Insurance.
What Are Health Sharing Plans?
A Health Share is a non-profit group where members with similar beliefs help each other with healthcare costs. They’ve been a successful option besides traditional Health Insurance for over 40 years.
In essence, Health Share members join forces to support each other’s medical bills. It’s a structured way to share healthcare expenses.
Key Differences Between Health Sharing Plans and Traditional Insurance:
- Choice of Healthcare Providers: Traditional insurance typically limits coverage to a network of providers. In contrast, health sharing plans give members the freedom to choose any doctor.
- Direct Financial Support: Some health sharing plans allow members to directly help each other with medical expenses.
- Selective Coverage: Unlike traditional insurance, which must cover essential health services as per the Affordable Care Act (ACA), health sharing plans have the autonomy to decide what they “share” with their members. Often guided by religious principles, these plans may exclude services that don’t align with their beliefs.
- Case-by-Case Coverage Decisions: While traditional insurance has a set list of covered services, health sharing plans may decide on coverage on an individual basis. They may also have limits on the total amount they will pay out.
- Membership Criteria: Joining a health sharing plan often involves adhering to specific lifestyle standards, which can include religious commitments and healthy living practices. Members might be required to avoid smoking, drug use, and illegal activities.
Why and When to Choose Health Share Plans
Health sharing plans offer a remarkable and cost-effective solution for healthcare, especially in certain situations.
First and foremost, health share plans are an excellent choice for those in good overall health and without chronic or pre-existing conditions. They often provide comprehensive coverage at a significantly lower cost compared to traditional insurance. These plans are particularly beneficial if you’re not eligible for an ACA subsidy, offering essential healthcare coverage at a more affordable rate. Even partial coverage from a health sharing plan can be a valuable asset, far better than having no coverage at all.
Moreover, health share plans can effectively supplement your existing insurance. They can be strategically used to cover gaps in your current plan, potentially reducing your expenses on copays and other out-of-pocket costs. With their flexibility and community-driven approach, health share plans are not just an alternative but a smart choice for many seeking affordable healthcare solutions.
Should You Enroll in Health Share: Understanding the Pros and Cons of Health Share Plans
Health share plans, like insurance, have their own unique set of advantages and disadvantages. Understanding these can help you decide if this healthcare option is right for you.
Health Sharing Benefits
- Cost Savings: Health share plans often offer more budget-friendly options compared to traditional insurance. You have the flexibility to choose a plan that suits your financial needs, generally with lower monthly contributions. This is especially beneficial for those not eligible for ACA subsidies. Some plans even allow for pausing contributions while staying enrolled.
- Community Focus: Unlike insurance tied to employment or location, health share plans are centered around shared values and priorities among members. This fosters a stronger community connection, sometimes even allowing direct member-to-member communication.
- Tax Penalty Exemption: In regions like California, where a tax penalty exists for not having qualifying health insurance, being part of a health share plan can exempt you from these penalties.
Potential Downsides of Health Share Plans
- Limited Coverage for Pre-existing Conditions: Unlike ACA-mandated insurance plans, health share plans often have restrictions on pre-existing conditions. They might deny coverage or require a prolonged membership period before offering coverage. Additional fees may apply for certain conditions like diabetes.
- No Guaranteed Coverage: Health share plans are not legally obligated to cover essential healthcare services. Their unregulated nature means they have full discretion over what they cover, often excluding services like birth control, OB-GYN services, or substance abuse treatment.
- Strict Membership Requirements: Joining a health share plan involves adhering to their specific codes of conduct. This can include commitments to avoid tobacco and drugs, live a healthy lifestyle, and live in stricter groups. You might also need a statement of faith and regular church attendance. Violating these agreements can lead to termination of membership.
How to Choose the Right Health Share Plan?
Choosing the best health share plan for your needs involves considering several factors to ensure you find a plan that aligns with your healthcare needs, budget, and values. Here’s what I would recommend doing when looking for the best plan:
- Evaluate your healthcare needs: First and foremost, consider your and your family’s healthcare needs, including regular medications, expected surgeries, or ongoing treatments. It’s also a good idea to think about other medical events, such as pregnancies.
- Do your research: Look into various health sharing ministries to understand their philosophies, rules, and membership requirements. Some may have religious affiliations or lifestyle requirements.
- Investigate each plan thoroughly: Review the details of what each plan covers and what it doesn’t (for instance, pre-existing conditions, routine check-ups, emergency services). Be also sure to understand the plan’s guidelines on sharing and receiving funds for medical expenses.
- Analyze the costs: Evaluate the cost of each plan, including monthly shares, annual unshared amounts, and any other out-of-pocket costs. Then, compare these costs with your healthcare budget and insurance to determine whether enrolling in a health share plan is worth it.
- Look at additional benefits offered: Some plans may offer additional benefits like discounts on dental, vision, or prescription drugs. Look at how you can leverage those benefits and whether they include any additional costs.
- Review member support: Look into each ministry’s member support services and how claims are processed – how easy is it to make a claim, and how fast are they processed? You should also assess the plan’s flexibility in terms of adding or removing family members and changing coverage levels.
I know that it’s a lot, but choosing the right health share plan isn’t a process you should rush. Carefully analyzing each plan, including its costs, benefits, and flexibility, is crucial, and these are also the key factors I consider when reviewing health share plans.
Wrapping Up: What Is the Best Health Share Plan?
There are plenty of health sharing organizations to choose from, which allows you the opportunity to find the right health share program for your needs.
However, if I were to recommend one health share plan, it would be Zion HealthShare. Its holistic approach to health sharing combined with affordable pricing make Zion the number one choice for not just me but other people as well.
Members consistently praise Zion HealthShare for its comprehensive sharing options, user-friendly services, and supportive community. The plan’s focus on balancing affordability with quality healthcare solutions has resonated well with its members, making it a top choice in the health share market. While other plans also have their merits, Zion HealthShare’s commitment to member satisfaction and overall value is clearly reflected in its outstanding member ratings.
Still searching for the right plan? Head to my health share reviews and learn more about available options.
Still Deciding?
There are plenty of Health Sharing organizations to choose from, which allows you the opportunity to find the right health sharing program for your needs.
With each Health Share listed below, I have a link that goes directly to my review where I include the monthly contribution price ranges, member responsibility amounts to choose from (what members pay before the community shares in any medical expenses), and some information on preventative sharing, pre existing conditions, maternity benefits, average turnaround time for paying medical bills, and any additional information to consider before joining.
You can access my in-depth reviews for all of the Health Sharing programs, as well as read other member’s review or write your own review. Just click any of the links below to go directly to each Health Share’s review page:
- Altura HealthShare Reviews
- Christian Care Ministry (Medi-Share) Reviews
- Christian Healthcare Ministries (CHM) Reviews
- Impact Health Sharing Reviews
- Jericho Share Reviews
- Liberty HealthShare Reviews
- netWell Reviews
- OneShare Health Reviews
- Samaritan Ministries Reviews
- Sedera Reviews
- Share Healthcare Reviews
- Solidarity Healthshare Reviews
- United Refuah Reviews
- Universal HealthShare Reviews
- Zion HealthShare Reviews
Top Healthshare Plans FAQ – Your Questions Answered on Healthcare Cost Sharing and More
Q: What is a Health Sharing Program?
A: Health sharing programs offer a cost-effective alternative to traditional insurance. These programs are non-profit and they are not bound by the Affordable Care Act’s rigorous regulations, allowing for more affordable rates. Members contribute monthly to a Health Care Sharing Ministry, which can cost about 50% less than an ACA plan. However, these programs might not suit everyone, as they often have restrictions on pre-existing conditions and may require a statement of faith. The best plan for you depends on various factors like age, location, smoking habits, and whether you opt for catastrophic coverage or a comprehensive plan.
Q: Are “Health Share” and “Healthcare Sharing Ministry” the Same Thing?
A: Terms like Health Share, Healthcare Sharing, and Healthcare Sharing Ministry generally mean the same thing. They all refer to non-profit groups where individuals agree to share each other’s medical expenses. The main difference is that some, known as ministries, have religious requirements for membership and may have specific rules about what they cover. However, organizations like Sedera and Zion HealthShare do not have these religious affiliations, welcoming members of all faiths and focusing on a community approach to health. The non-religious Health Share plans are often referred to as Medical Cost Sharing plans.
Q: How Do Health Share Plans Differ from Insurance?
A: Health share plans and traditional health insurance have several key differences. Health share plans are not obligated to cover the ACA’s minimum essential benefits, leading to lower costs but potentially less comprehensive coverage. They operate under their own rules regarding cost sharing and fund distribution, and each plan has its unique approach. Restrictions or waiting periods for pre-existing conditions are common in health share plans. Cost-wise, health share plans are often about half as expensive as unsubsidized health insurance, attracting many Americans to switch.
Q: Are Health Share Plans Legitimate?
A: Health Share plans are a legal and legitimate option. These plans focus on covering critical medical costs, without the extra coverage often underutilized in traditional insurance plans.
Q: Is Healthcare Sharing Right for Me?
A: If you’re seeking a more affordable alternative to health insurance and don’t frequently use your coverage, healthcare sharing could be a good fit. However, for those with significant or ongoing health needs, traditional insurance, especially ACA plans, might offer better coverage, especially considering factors like chronic conditions and prescription drugs.
Q: What is the Top Healthshare Plan in 2025 Based on Member Ratings?
A: Zion HealthShare stands out as a leading health share plan, particularly recognized for its high member satisfaction ratings. Members consistently praise Zion HealthShare for its comprehensive sharing options, user-friendly services, and supportive community. The plan’s focus on balancing affordability with quality healthcare solutions has resonated well with its members, making it a top choice in the healths hare market. While other plans also have their merits, Zion HealthShare’s commitment to member satisfaction and overall value is clearly reflected in its outstanding member ratings.
Have you found any holistic health share plans?
I’m really getting sick of paying for health insurance for “emergencies” while paying thousands for my deductible that doesn’t cover all the natural doctors I actually want to see? And it seems with Zion that is the same, it’s western medical care. Thanks so much!
Hi Melissa,
I have found that Health Share plans like Zion HealthShare will share in holistic or natural doctors for annual wellness visits (up to $250/no lab work included) and for larger medical needs (after written approval and after your IUA has been paid).
This means that if you had cancer and wanted to work with natural and holistic doctors, you would contact Zion HealthShare, obtain written approval for this, and then proceed with sharing after your IUA has been met.
I have also found that with the money I am saving each month with Zion HealthShare, I have more money to pay for things like organic food, regular massages, high quality supplements, chiropractor visits, gym equipment, etc. to be more proactive about my family’s health.
You can also look into a Direct Primary Care (DPC) office that is more holistic. If you join one, you can save with Zion HealthShare since you would go from a Direct Membership to an Essential membership. This just means that you would go to your DPC for things like annual visits, blood work, and most of your healthcare needs. You would only use Zion HealthShare for the large and unexpected medical needs.
You can check out my article here about how that all works: https://healthshare101.com/zion-health-is-perfect-for-dpc-members/
Let me know if you have any more questions. I am happy to help!
Holly
HealthShare101.com
Hello –
I am looking for heath-share plan for a 74 years old female (widow). This female does not have access to Medicare/SS.
what options does she have ? It seems Sedera and Zion don’t accept anyone above 64 🙁
Thanks!
Hi Raman,
It looks like the best Health Share plan for people over 65 years old would be with Medi-Share 65+ program. You can review this to see if it is a good fit for your friend: https://www.medishare.com/sixty-five
CHM also has something for seniors over 65 years old, but it looks like it must be paired with Medicare. You can read more about that here: https://www.chministries.org/how-it-works/my-medical-needs/medicare/
I hope your friend finds something that works for her soon 🙂
Thank you,
Holly
HealthShare101.com
Hi,
I checked Medi-Share 65+ program as you suggested. That also needs Medicare A&B.
are there any options for a 74 year old who is not eligible for Medicare/SS.
Thanks,
Raman
Hi Raman,
The only option (that I know of) would be to get health insurance coverage in the Marketplace. You can check eligibility here: https://www.healthcare.gov/quick-guide/eligibility/
I’m sorry that a health share plan is not a good solution for your friend, but I hope she finds something suitable for her needs!
Thank you,
Holly
HealthShare101.com
Have you compared employer based health sharing programs.
Not specifically for employers, but the recommendations here are a really great place to start looking at your options. I will be sure to make a new post for this specifically 🙂
-Holly
HealthShare101.com
Why don’t you compare Impact here when it seems to be more comparable with Zion?
Hi Dana,
I am currently doing a more in-depth review of Impact Health Sharing, and updating all of the Health Share’s information to make sure they are all up to date.
For now, Zion Health Share is still the top Health Share that I recommend, based on overall price and value for what you get as a member.
Thank you,
Holly
HealthShare101.com
My husband and I must find an alternative to costly private health insurance. We used CHM years ago and were happy with it. We are now in our early 50’s and will need routine preventative things like colonoscopies and such. It gets muddled when looking at reviews because they differ so much with all share plans, this is how I came across your sight. We understand how share plans work and are not new to submitting our visits and such, but I wanted to see if you think Zion is a good choice for us at this stage. My husband does have pre existing high blood pressure, but that is all we have going on at this time. Thank you in advance for your help.
Hi Darby,
With Zion HealthShare, Annual wellness visits are available right away, and preventative procedures like Colonoscopies are sharable after six months of membership. Also, High blood pressure is not considered pre-existing (with Zion) if you have it controlled with lifestyle and/or medication and have not been hospitalized for it in the last 12 months. Zion HealthShare seems to be a good fit for you.
Holly
HealthShare101.com
Do you have any thoughts/opinions on Knew Health? That seems to be the one I keep coming back too, however, this will be the first time our family chooses a health share program so I am still in research mode. It seems to be pretty comparable to Zion, but for some reason it’s not really talked about despite the raving reviews.
Hi Katelyn,
In the past, KnewHealth was just an affiliate of Sedera. They are now their own Health Share. In the limited time I have communicated with them, it wasn’t the best experience. I still stand by my choices in this article.
Thank you,
Holly
HealthShare101.com
Hi Holly,
Your site is a great resource and provides a lot of information, thank you! I wanted to go with Zion, however they aren’t currently offering their plans to residents of Washington state. The same is also true for many of the other secular health sharing companies. Do you have any recommendation for one who does accept Washington state residents? A Christian ministry might work, as long as there faith statement doesn’t require regular church attendance.
Hi Eddie,
I would look into Christian Healthcare Ministries (CHM) since they are reputable and they don’t say that regular church attendance is one of their requirements to join. You will want to review their statement of faith to make sure they align with you. You can also compare all of the Christian Health Share’s religious requirements here: https://healthshare101.com/christian-healthshare-plans/
Best of luck,
Holly
HealthShare101.com
Hello, can you please explain the 3 $1000 deductibles that Zion has? It seems Medishare could be a better option at only $2500. I have also heard Medishare takes a while to pay your bill where Zion is very quick. Thoughts on this?
Hi Daniel,
Medi-Share: The Annual Household Portion (AHP) is the dollar amount that a Member Household agrees to pay toward Eligible Medical Bills before any eligible bills may be shared among the Members. Christian Care Ministry (Medi-Share) has several AHP amounts: $3000, $6000, $9000, and $12000. The AHP amount resets every 12 months on the Effective Date.
Zion HealthShare: The initial unshareable amount, or IUA, is the amount that a member will pay before the Zion HealthShare community shares in medical expenses. The IUA is also known as your personal responsibility. Zion HealthShare has three primary levels of personal responsibility: $1,000, $2,500, and $5,000. The lower your personal responsibility (or IUA), the higher your monthly contribution will be.
All qualifying medical expenses submitted after the IUA is met are shareable with the Zion HealthShare community at one hundred percent. There is no annual or lifetime limit. For each separate need, the Zion HealthShare community will share medical costs after the IUA is met. You will not need to pay the IUA for a single need again until you are symptom free for 12 months. Additionally, you will not be responsible for more than three IUAs in a rolling 12-month period.
Medi-Share’s $3,000 AHP is similar to Zion HealthShare’s $1,000 IUA, as far as how much money is the member’s responsibility before the Health Share pays for eligible medical bills. This article includes a simple video explaining how it works using some examples: https://healthshare101.com/what-does-a-healthshare-iua-mean/
Both plans have No Lifetime Or Annual Sharing Limits which I think is very important. And yes, Zion HealthShare is known for paying for medical bills quickly, which is a huge win (and one of the reasons why I joined them).
In the end, it just really depends on which membership you feel most comfortable with joining.
Thank you,
Holly
HealthShare101.com
Hi Holly,
With Zion, do you submit any medical bills to reach the IUA and let them sort it out? Just trying to figure out when Zion knows you’ve reached the IUA?
Roger,
I keep ALL of the itemized bill(s) AND receipt(s) showing that I have paid. If I think/know a specific medical event is going to go over my IUA, I would start a “need” and start submitting the information, even if I haven’t yet reached my IUA (personally, I’d probably call and let them know what’s coming). Once my expenses/receipts reaches my IUA, Zion Health Share would take care of the rest of the eligible medical expenses, including negotiating costs for me. At that point, I would just start submitting the itemized bills and they would handle payment.
Thank you,
Holly
HealthShare101.com
Thank you
Hi, do any of the health shares cover anything like chiropractor adjustments? Thanks!
Hi Troy,
Most Health Shares will only share in Chiropractic adjustments if it’s part of a larger medical need (such as after a car accident that required a hospital stay, therapy, and chiropractic care, etc).
Thank you,
Holly
HealthShare101.com
Hey! I found your page from a comment you left on CrowdHealth’s instagram page and was wondering why they didn’t make your list? I am researching a few options and was wondering. Also wondering which of the health shares you listed above are you affiliated with?
Hi Bella,
CrowdHealth is not a Health Share, which is why it didn’t make my list for top Health Shares 🙂 I am affiliated with both Zion HealthShare (which is the one my family joined) as well as Sedera. I wish I could be an affiliate with CHM but they only offer to those who are members with them (and I am not leaving Zion HealthShare!).
I gotta sleep at night so I won’t recommend a Health Share unless they do a great job.
Thank you,
Holly