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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 Sign up with Zion HealthShare
Click the link below and let’s walk through the Zion HealthShare enrollment process.
You are enrolling at Zion HealthShare
Fill out your legal name, your best email address and phone number. Click the “continue” button.
More information About You
Fill out your address (this is where your membership cards will be sent), your date of birth, gender, tobacco use, and which plan you would like to join.
For the Zion HealthShare membership plan, you have the choice between the $1,000 IUA, $2,500 IUA, or the $5,000 IUA.
What is an IUA? The initial unshareable amount, or IUA, is the amount that a member will pay before the Zion HealthShare community shares in medical expenses. The IUA is also known as your personal responsibility.
All qualifying medical expenses submitted after the IUA is met are shareable with the Zion HealthShare community. There is no annual or lifetime limit. For each separate need, the Zion HealthShare community will share medical costs after the IUA is met. You will not need to pay the IUA for a single need again until you are symptom free for 12 months. Additionally, you will not be responsible for more than three IUAs in a rolling 12-month period.
Pre-Existing Conditions
If you have any pre-existing conditions (now known as a pre-membership condition), this is the time and place to disclose that information.
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.
Your Payment Information
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.
Upcoming Bills
This is where you will review your information to make sure that your information is correct.
Plan: Make sure you have selected the correct IUA amount.
First Bill: Review your monthly contribution amount. What’s due now (or when you enroll) is your first monthly contribution and a one-time registration fee of $50.
Recurring Bills: This is your membership contribution amount. This is a monthly fee for as long as you are a Zion HealthShare member. You can see what day the money will be withdrawn from your account.
Membership Start Date: Choose which day you want to start your Zion HealthShare membership.
Pre-Existing Conditions Limitations
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.
Zion HealthShare Agreements
You will see a pop-up for the following items once you check the box:
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 and you will receive your Zion HealthShare membership cards in the mail within the next 7-10 business days.
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