OneShare Health Reviews

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If you are looking for OneShare Health Reviews, you have come to the right place.

I will discuss some information about OneShare Health, how it’s different from Health Insurance, how OneShare Health works, the costs, and what’s included with each type of plan at OneShare Health.

You can also scroll to the end to read OneShare Health Reviews from current of former members.

About OneShare Health

OneShare Health is a health care sharing ministry, also known as a Health Share. OneShare Health is not the same thing as a traditional health insurance plan.

OneShare Health has origins in the Anabaptist faith, that welcomes and unites those who agree with their core biblical principles and Statement of Beliefs on how they live life, take care of their health, and support others.

As an ACA-exempt path to health care, OneShare Health offers affordable and flexible medical sharing Programs. 

Is this Christian Health Insurance?

A lot of people will refer to a health care sharing ministry like OneShare Health, as a type of “Christian Insurance”. It’s important to understand that even though it has this nickname, there is no such thing as “Christian Insurance” and OneShare Health is not an Insurance company and they do not offer any type of health insurance plan.

Does OneShare Health offer Traditional Health Insurance?

It’s important to know that OneShare Health is not the same thing as an insurance company and they do not offer any type of health insurance plan.

OneShare Health does not provide minimum essential coverage and legally does not guarantee payment like a health insurance company is required to do. Of course, a health insurance plan will not cover every health care expense either.

OneShare Health is a health care sharing ministry. OneShare Health is considered an affordable alternative to health insurance since the main purpose to have help with major medical expenses.

OneShare Health will pay for a member’s eligible need. OneShare Health members can continue their membership on a month-to-month basis. This means that members can cancel at any time, which gives the Health Sharing community every incentive to take care of their members and pay for eligible bills.

As with any Health Share plan, be sure to go through the membership guidelines to have a better understanding on what is an eligible medical need.

How Does a Health Care Sharing Ministry work?

With your OneShare Health membership, you would pay, or contribute, a set amount of money each month to the OneShare Health community. 

OneShare Health members are self pay patients. When a member has a larger and unexpected medical need, the member would first need to pay a set amount, which is the member’s responsibility before the OneShare Health community pays any medical bills. This is similar, but not the same as, a deductible that you’d have with a Health Insurance plan. 

Once the member has paid their responsibility, OneShare Health would then “share” in all eligible medical expenses.

What are the Requirements to Join OneShare Health?

To become a OneShare Health member, you must agree to their core biblical principles, which is based on the Anabaptist Faith. Be sure to read the member guidelines for OneShare members.

How much does OneShare Health cost?

The monthly contribution price ranges from $121 to $1,743.97.

The monthly contribution amount is based on the household membership, such as how many members are on the plan, their ages, and which plan you choose.

There is an additional $50 monthly cost for each child after the first three.

What are the Member Responsibility Amounts?

OneShare Health has Individual Sharing Amount (ISA). OneShare Health has three levels of personal responsibility amounts: $5,000, $7,500, and $10,000. This is the amount the member would need to pay before the OneShare Health community would share in any medical expenses.

What are the Different OneShare Health Programs?

There are two main OneShare Health programs: Catastrophic Program and the Classic Program.Within the Classic Program, there is the Basic, Enhanced, and Crown level. Each program or level has different medical expenses that are eligible for sharing.

OneShare Health Catastrophic Program

The Catastrophic Program is the most affordable membership at OneShare Health. It’s ideal for individuals in good health who simply want Catastrophic healthcare that suits their needs but also fits their budget.

Before enrolling into any catastrophic program, it’s important to understand what is and is not included.

What’s Included in the catastrophic Program

• Telemedicine Services
• Specialists ($75/Visit). Specialist visits must be due to an eligible hospitalization or outpatient surgery.
• Emergency Room services ($500 Visit Fee) are shared up to $10,000, then ISA applies.
• X-rays / Labs / Diagnostic Imaging
• In/Outpatient Surgery. After ISA is met, Eligible up to Maximum Limit Per Incident.
• Hospitalization. After ISA is met, Eligible up to Maximum Limit Per Incident.
• Prescription Discount Program / Health, Wellness, Entertainment Discounts
• Mental Health Support

What’s not Included in the catastrophic program

• Preventive Services (Wellness Visit)
• Primary Care Physician Visits
• Urgent Care Facility
• Maternity

You can learn more about the OneShare Health Catastrophic Program.

OneShare Health Classic Program

The OneShare Health programs are very similar, but have some unique differences between them.

I am only going to point out what’s different between the three programs within the Classic Program.

Basic

• Maximum Limit Per Incident: $150,000
• Primary Care Physician Visits: 1 Per Program Year
  $40 Visit Fee
• Specialist: Not Eligible
• Urgent Care Facility: 1 Per Program Year
  $75 Visit Fee
• Maternity: Not Eligible

Enhanced

• Maximum Limit Per Incident: $250,000
• Primary Care Physician Visits: 3 Per Program Year
  $40 Visit Fee
• Specialist: Not Eligible
• Urgent Care Facility: 1 Per Program Year
  $75 Visit Fee
• Maternity: Not Eligible

Crown

• Maximum Limit Per Incident: $500,000
• Primary Care Physician Visits: 5 Per Program Year
  $40 Visit Fee
• Specialist: $75 Visit Fee
• Urgent Care Facility: 2 Per Program Year
  $75 Visit Fee
• Maternity: Eligible after ISA

You can learn more about the OneShare Health Classic Program.

Does OneShare Health offer Preventative Healthcare?

At OneShare Health, preventative healthcare availability is dependent on which plan you are on.

For the Catastrophic Plan, there are no preventative treatments shared with members.

For the Classic Plan, there is a 90-Day Waiting Period, excluding Immunizations, for Preventive Services and one (1) Wellness Visit per Member per Program Year.

For out-of-network Preventative Services, Primary Care Physician, or Specialists, 50% is shared after the member pays their ISA.

For in-network Preventative Services, they will share up to $1,000. For a Primary Care Physician there is a $20-$50 visit fee. For Specialists, there is a $75-$125 visit fee.

What about Pre-Existing Conditions?

Per OneShare Health, a Pre-Existing Condition means:

(1) any sickness or injury for which a Member, within 24 months before the Member’s Active Date, received medical treatment, advice, care, or services (including diagnostic measures), took prescribed drugs, or showed signs and symptoms (whether treated or not).

(2) any chronic, persistent, or long-lasting medical condition which is unresolved and known to the Member, regardless of whether, within 24 months before the Member’s Active Date, the condition required treatment, advice, care, services, or prescription drugs, or exhibited any signs or symptoms.

If you have any pre-existing conditions, there is a 24-Month Waiting Period. This means that any medical needs related to your pre existing condition will not be shareable for the first 24 months of your membership with OneShare Health.

The following conditions, even if Pre-Existing, are considered Chronic and are Eligible for the Routine Maintenance of Chronic Condition, and only the listed test/screening for each condition (and the Physician Office Visit necessary to discuss the results of the test/screening) are Eligible for Sharing.

Any Routine Maintenance of Chronic Condition sharing is subject to other applicable limitations in the Program Guidelines such as limits on the number of Physician visits per Program Year and the Preventive Services sharing Maximum.

• Hypertension (high blood pressure): Blood pressure screening conducted at a Primary Care Physician Visit
• Thyroid: Annual blood test measuring thyroid stimulating hormone (TSH lab)
• Hyperlipidemia (high cholesterol): Annual group of blood tests measuring the amount of cholesterol and fats in the blood (lipid panel)

Does OneShare Health offer Maternity Benefits?

At OneShare Health, maternity benefits is dependent on which plan you are on.

For the Catastrophic Plan, Classic Basic, and Classic Enhanced, maternity costs are not eligible for sharing with members.

On the Classic Crown program, members would need to pay their Individual Sharing Amount (ISA).

Once the member has paid their ISA, OneShare will share up to $5,000 for a natural delivery, up to $8,000 for a c-section, and up to $50,000 if there are complications. 

What are the Caps and Limitations at OneShare Health?

After members pay their Individual Sharing Amount (ISA), which can be $5,000, $7,500, or $10,000, the HealthShare has limits on how much they would share. For example, a hospitalization can cost a member their Individual Sharing Amount plus 20% to 40% of the medical bills, depending on which program you choose. For larger unexpected medical expenses, this can add up quickly for their members. 

Maximum Limit Per Incident: $150,000 / $250,000 / $500,000 (depending on which program you choose)

Lifetime Sharing Maximum: $300,000 / $500,000 / $1,000,000 (depending on which program you choose)

Turnaround Time for Paying Medical Bills

OneShare Health is expected to take care of member’s eligible medical expenses within 21 days.

Do I recommend OneShare Health?

I really want to help people find a great health share that provides excellent customer service and financial relief when large and unexpected medical bills come their way.

However, based on the OneShare Health reviews on this website (see below), I am a bit concerned about the OneShare Health membership experience. I also realize that people are having great experiences with them, and I hope that we can get some more positive reviews so people can see both experiences.

Health Sharing is still a good option for those who are looking to save money and find an affordable alternative to traditional health insurance.

I recommend looking at my article I wrote on the Best Health Share Plans. You will find which health share plans I recommend to help you on your search for affordable health care.

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Write a OneShare Health Review

Are you a current or former member of OneShare Health? If you have any experience with OneShare Health, please write a review! Reading other people’s Health Share experiences is a huge when trying to make a decision about which Health Share to join. In fact, over 90% of people will read online reviews before they buy a product or service! Please consider writing a review!

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