Sedera vs Zion HealthShare

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There are only two Health Shares that do not have a religious affiliation or requirement to become a member: Sedera and Zion HealthShare. In this post, I am going to review monthly costs (range is dependent on age, individual/family memberships, and the IUA* amount), preventative sharing, pre-existing conditions, maternity, turnaround time to pay medical bills, and any special considerations to be aware of.

*The Initial Unshareable Amount (commonly known as the “IUA”), is the amount the member would need to pay BEFORE the Health Share will “share” in any medical expenses. The member chooses which IUA amount they want. Typically, the larger the member’s responsibility amount is before the Health Share “shares” in anything, the lower the monthly contribution amount.

IUA Amounts

Sedera: $500, $1000, $1500, $2500, and $5000.

Zion HealthShare: $1000, $2500, and $5000.

Monthly Contribution Price Range

Sedera: $113 to $1,713

Zion HealthShare: $103 to $790

Statement of Faith

Sedera: None – They accept people of all faiths.

Zion HealthShare: None – They accept people of all faiths.

Preventative Sharing

Sedera: Routine childhood immunizations are shareable. Diagnostic colonoscopies and Diagnostic mammograms are shareable after an IUA is paid – some restrictions may apply (age, need, reasonable cost, etc).

Zion HealthShare: Immediately after becoming a member, Zion HealthShare will share in Annual provider visits (not including lab work, unless it’s related to a specific medical need). After six months of membership, they will share in colonoscopy, mammogram, and youth immunizations. There are no network limitations for preventive services, so you can go to any provider of your choice.

Pre-Existing Conditions

Sedera: 1 year waiting period (nothing shareable related to the pre-existing condition, up to $15,000 shareable after the first year, up to $30,000 shareable after the second year, and fully shareable after the third year.

Zion HealthShare: During the first year of membership, there is a waiting period for all pre-existing conditions. During the second year of membership, Zion HealthShare will share up to $25,000 for pre-existing conditions. During the third year of membership, they will share up to $50,000 for pre-existing conditions. During the fourth year of membership and beyond, they will share up to $125,000 per year for pre-existing conditions.

Maternity

Sedera: Medical expenses for childbirth that have an expected delivery date within the first 12 months of membership are not shareable. Normal vaginal deliveries and emergency Cesarean section deliveries have a total Initial Unshareable Amount (IUA) of $5,000. Non-emergency/elective Cesarean section deliveries have a total IUA of $7,500. The standard IUA levels of $500 – $5,000 do not apply for Maternity Needs.

Zion HealthShare: Members would pay just their IUA amount. If you opt for a home birth, you may submit a request to have your IUA responsibility waived by Zion HealthShare.

Turnaround Time for Paying Medical Bills

Sedera: 30-60 days

Zion HealthShare: 5-10 Business Days

Considerations

Sedera: No single need may consume more than one third of the total number of shares available in a given month. This can result in a medical need being capped, but it is at an unknown amount since it is dependent on how many people contribute each month. Also, members are Required to join with an association, company or other grouped billing.

Zion HealthShare: Generally, there are no lifetime caps on your need requests (except with pre-existing conditions).

When you look further into what Zion HealthShare offers, it’s easy to see why they are the fastest growing Health Share communities.

And here’s just a few reasons why:

Zion HealthShare members typically save 30-60% off of traditional Health Insurance. Overall, Zion HealthShare costs less than Sedera, including your monthly contribution amounts, no IUA requirement for preventative services, and less expensive for maternity needs. The savings with Zion HealthShare adds up quickly.
Faster turnaround time for medical bills getting paid. Zion HealthShare is known in the industry and to its members for processing medical needs quickly – often within five to ten business days (once all receipts and bills are submitted)!
Zion HealthShare does not have annual or lifetime caps on eligible need requests. This gives people peace of mind if very large medical expenses come up, they are not capped.
Zion HealthShare will negotiate your medical bills for you – big or small. This means that the bigger medical bills have less of an impact for the entire community. For smaller medical bills that are less than your Initial Unshareable Amount (IUA) and not normally shared within the community, you are not on your own! Submit that medical bill to Zion HealthShare and they will work to negotiate that price down for you, so that you can pay less money out of pocket.
Zion HealthShare is a Nationwide Health Share, so you can live anywhere in the United States and become a member.
Zion HealthShare will share in medical costs when on a vacation or serving a mission outside of the United States.
Members can work with providers of their choice – without network restrictions.

You can learn more on the Zion HealthShare website to see if it’s a good fit for you.