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In this post, I am going to do a comparison of Share Healthcare 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
Share Healthcare: Members can choose between three sharing levels as well as the option to choose between a Per Event Personal Expense (PEPE) or an Annual Unshared Amount (AUA). These are the amounts you pay on your own – either on a per incident or per year basis – before remaining eligible medical expenses can be shared.
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)
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
Share Healthcare: $149 to $659 (plus $50 for each child after the first two) + $120.00 upon enrollment and every year.
Solidarity HealthShare: $149 to $599 + $120.00 upon enrollment and every year.
Statement of Faith
Share Healthcare: Must agree to a Statement of Faith and must be Christian, meaning you believe in “the God of the Bible, His Son Jesus Christ, and the Holy Spirit”.
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
Share Healthcare: Yearly wellness visits or screenings are eligible for sharing once your PEPE or AUA has been paid.
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
Share Healthcare: Not eligible for sharing.
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
Share Healthcare: After members pay their Per Event Personal Expense or Annual Unshared Amount, expenses related to labor, delivery and routine hospital expenses for the infant as well as expenses relating to any complications are eligible with NO waiting period or limits. If a member is pregnant within two months of membership beginning, maternity expenses will be shared at up to 50% of the member’s share contributions to that point. For example, if the member has paid $2,490 in monthly share amount to that point, up to $1,245 will be eligible to be shared by fellow members.
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
Share Healthcare: Unknown. When I called to speak to someone at Share Healthcare about this, I was told that it “depends on the provider” and I wasn’t even provided an estimate.
Solidarity HealthShare: 90 days
Considerations
Share Healthcare: Share Healthcare does not have annual or lifetime caps on eligible need requests. Members must set up a bank account for sharing. Member’s monthly share amounts will remain in the individualized account until it is used to pay the medical expenses of fellow Share Healthcare members.
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 Share Healthcare 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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