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In this post, I am going to do a comparison of OneShare Health and Solidarity Healthshare.
I will go over member responsibility amounts (what member’s pay before the community shares in any medical bills), monthly costs (this is dependent on age, individual/family memberships, and the Member Responsibility amount you choose), preventative sharing, pre-existing conditions, maternity, turnaround time to pay medical bills, and any special considerations to be aware of.
Member Responsibility Amounts
OneShare Health 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.
Solidarity HealthShare: The Annual Unshared Amount is the amount of money each member is responsible for regarding their health care costs before other members will begin sharing with them. This amount is $750 if you’re single, $1,500 for a couple, and $2,500 for a family.
Per Event Personal Expense amounts can be: $300, $500, or $1,000.
The Annual Unshared Amount can be: $3,300 (single), $3,600 (couple), or $3,900 (family)
Monthly Contribution Price Range
OneShare Health: $115 to $1,750 (plus $50 for each child after the first three)
Solidarity HealthShare: $149 to $599 + $120.00 upon enrollment and every year.
Statement of Faith
OneShare Health: Must agree to their core biblical principles. The HealthShare is based on the Anabaptist Faith.
Solidarity HealthShare: Must agree to live by biblical principles and respects the moral teachings of the Catholic Church. Medical expenses related to anything that goes against Catholic ethics are not shareable.
For more detailed information on faith-based requirements, please read this post about Christian Health Share Plans.
If you prefer a HealthShare that has no religious requirements, please read my post about Non-Religious Health Share Plans.
Preventative Sharing
OneShare Health: For the Catastrophic Plan, there are no preventative treatments shared with members. For the Classic and Complete Plans, 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.
Solidarity HealthShare: They offer one annual wellness exam or physical per year. They allow multiple well baby visits per year within the first two years of birth.
Pre-Existing Conditions
OneShare Health: There is a 24-Month Waiting Period for Pre-Existing Conditions. However, Routine Maintenance is available through PCP, Labs and Specialists Visits on the Classic and Complete Program for the following conditions: Diabetes 1&2, High Blood Pressure, High Cholesterol, and Thyroid.
Solidarity HealthShare: There is a 1 year waiting period, then in the second and third year, they offer up to $25,000 sharing and in the fourth year they no longer consider it a pre-existing condition.
For more detailed information, please read my post about How The Top HealthShare’s Handle Pre-Existing Conditions.
Maternity
OneShare Health: For the Catastrophic Plan, there is no sharing available for Maternity needs. On the Classic and Complete Plan, members would need to pay their Individual Sharing Amount (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.
Solidarity HealthShare: Members must be married in order to have maternity and newborn needs shared. Members would need to pay their member responsibility before maternity needs are shared.
Feel free to learn more at The Top HealthShare’s Maternity Benefits (Comparison Guide).
Turnaround Time for Paying Medical Bills
OneShare Health: 21 days
Solidarity HealthShare: 90 days
Considerations
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)
Solidarity HealthShare: After paying your AUA, Solidarity HealthShare offers plans that will share 70% of medical bills up to $125,000 or 100% of your medical bills up $125,000 or up to $1 million per incident (depending on which plan you choose).
Which Health Share Plan Should You Join?
Choosing a Health Share plan is a very personal decision. Feel free to check out OneShare Health Reviews and Solidarity HealthShare Reviews. I provide a lot more information on each Health Share and you can read reviews from other members.
There are so many different Health Share plans to choose from, which is great, but it can also be overwhelming! To help narrow down your choices, I wrote an article on the Best Health Share Plans. You will find which health share plans I recommend to help you on your search for affordable healthcare.
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