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Here is a step-by-step guide (with pictures!) on how to sign up and enroll in Zion HealthShare.
How to Enroll in Zion HealthShare
Click the “Enroll in Zion HealthShare” button below and let’s walk through the Zion HealthShare enrollment process together.
Zion HealthShare Registration
First, select which state you live in. Click the “continue” button.
You must be the primary member to register (everything will be in this person’s name, such as reimbursement checks from the Health Share). To begin registration, please enter information below:
Primary Member’s name, email, and create a password.
When you click on the box “I agree to Zion HealthShare’s Terms & Conditions and agree to receive all documents electronically” and “I agree to Zion HealthShare’s Privacy Policy”, you will see a pop up for you to read. Once you have reviewed and agree to the terms, you can click on the button “I agree”.
If you select “No, I do not agree” it just takes you back to the previous screen and you will not move further with the enrollment.
Success!
You’ll get an email that says: Here is your registration link!
This is a “Welcome to Zion HealthShare!” email. You will need to click on the button that says “Register Account”. This link is good for 24 hours.
More information About You
Fill out your name, address, your date of birth, gender, and tobacco use.
Effective Date: You can choose what date you want your membership to start. Some people sign up and want their membership to start right away, while others may choose a specific date in the future.
Tell us about your household
Is this a single membership? Two adults? Any children? Don’t forget anyone that you want to be included in your Health Share membership.
Add Adult or Add Child
If you need to add an another adult (spouse, for example) or a child to your Zion HealthShare membership account, click the relevant buttons and fill out their individual information. If you have more than one child to add, just keep adding all of the children you need to your account.
Make sure everyone is added to your account! Depending on who you add to your account, your Zion HealthShare membership will be categorized as an Individual Account, Member and Spouse Account, Member and Child(ren) Account, or Member Family Account. This will have an impact on who will be eligible for sharing.
Zion HealthShare Direct Membership vs Essential Membership
What’s the difference between the Direct Membership and the Essential Membership?
The Direct Membership includes Preventative Sharing (annual wellness visits, childhood immunizations, colonoscopies, mammograms), Rx Share, and Teladoc.
The Essential Membership does not automatically include Preventative Sharing, Rx Share, and Teladoc – but you CAN add them À la carte onto your account. If you have a Direct Primary Care (DPC) membership, then you would likely benefit more from the Essential membership.
LifeWorks – this is something that is NOT included in either account, but you can add it onto your account.
Zion HealthShare Essential Membership:
Pre-Existing Conditions
Do you (or any household member) have any pre-existing conditions (now known as a pre-membership medical condition)? If so, it’s important to understand how everything works.
Pre-existing conditions have a phase-in period wherein sharing is limited. Starting from the initial enrollment date, members have a one-year waiting period before pre-existing conditions are shareable. After the first year, pre-existing needs are eligible for sharing on a limited basis, with the amount increasing each membership year. Members are never required to pay a second IUA for the same need, including pre-existing conditions.
Zion HealthShare attempts to negotiate all medical bills received. Even if a pre-existing condition is not shareable, members may still receive discounts for their services through negotiation.
Shareable amount for pre-existing conditions:
• Year One: $0 (waiting period)
• Year Two: $25,000 maximum per need
• Year Three: $50,000 maximum per need
• Year Four: $125,000 maximum per need
After year four of membership, expenses related to pre-existing conditions will remain shareable at a maximum of $125,000 in a 12-month rolling period and resetting each membership year.
Exceptions: High blood pressure, high cholesterol, and diabetes (types 1 and 2) will not be considered pre-existing conditions as long as the member has not been hospitalized for the condition in the past 12 months and is able to control it through medication and/or diet.
HSA, HRA, or FSA account Restrictions
After I clicked Next, I got this pop-up:
Payment Method
You can choose between ACH or Credit Card. Select your preferred payment method. This is how you will pay for your monthly contributions and be eligible for sharing in large or unexpected medical expenses.
Please be aware that there is an additional 3% convenience fee if you choose the credit card option.
Summary
Make sure that everything is correct!
Primary Member’s Info: Make sure you have the correct name, email, and address.
Household: This is there your spouse/partner or a child would be located.
Selected Membership: Make sure you have selected the correct IUA amount.
Plan Name: This will say whether its a Direct Membership or an Essential Membership. You will also see if yuo have selected any add-on features (such as LifeWorks).
Monthly Total: Make sure this looks correct based on the membership you have chosen.
Payment Method: Make sure you have selected the correct payment method, which is either ACH or a Credit Card.
Membership Start Date: You get to choose which day you want to start your Zion HealthShare membership.
Zion HealthShare Agreements
Pre-existing conditions: With this, you agree to the limitations on sharing for pre-existing conditions.
Zion HealthShare Principles of Membership: You agree to the terms, which includes Zion HealthShare allowing members of all faiths to join.
Registration Fee Non-Refundable & Cancellation Terms: You agree that the one-time enrollment fee of $50 is non-refundable. You also agree that if you need to cancel your membership, you will allow 15 days notice prior to your payment draft date.
Once you click the “Sign up” button, you will see a confirmation page! You will soon receive an email confirmation.
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