health share
HealthShare Reimagined
- Accepting – Membership is available to people of all faiths
- Accessible – Membership is available regardless of health conditions (subject to limitation)
- Efficient – Medical prices are Transparent and can be paid at time of service or processed within 7 days of submission
Nonprofit HealthShare highlights
- Organized for members to pay qualified medical expenses
- Affordable 40% – 60% less expensive than insurance
- Greater freedom to choose treatment options and providers
- Designed to encourage the Patient Doctor relationship
Nonprofit HealthShare highlights
- Organized for members to pay qualified medical expenses
- Affordable 40% – 60% less expensive than insurance
- Greater freedom to choose treatment options and providers
- Designed to encourage the Patient Doctor relationship
Innovative Efficient Transparent
Emergency
Accidents happen, and that is what the MightyWELL HealthShare community is here for. Rest assured that MightyWELL HealthShare will be there when you need it most
Surgery
An unforeseen illness or accident may lead to an operation. MightyWELL HealthShare is there to help with hospital stays and even recovery
Treatments
Sometimes one problem needs a lot of care. MightyWELL HealthShare helps with the entire course of a medical need request, from the first visit to the final follow-up
Illnesses
An unexpected medical condition or illness might require extra attention. MightyWELL HealthShare steps in when those medical bills pile up
Maternity
MightyWELL HealthShare is there to share medical costs for your growing family. Pre-natal and post-natal care in addition to labor and delivery expenses may all be shared with the community
Emergency
Accidents happen. You can rest assured that's what our HealthShare is here for will be there when you need it most
Surgery
An unforeseen illness or accident may lead to an operation. Our HealthShare is there to help with hospital stays and even recovery
Treatments
Sometimes one problem needs a lot of care. Our HealthShare helps with the entire course of a medical need request, from the first visit to the final follow-up
Illnesses
An unexpected medical condition or illness might require extra attention. Our HealthShare steps in when those medical bills pile up
Maternity
Medical costs for your growing family including pre-natal, post-natal, labor and delivery expenses may all be shared with the community
What is a HealthShare?
HealthShare programs are the leading a low-cost alternative to traditional health insurance. A HealthShare is a non-profit entity organized for the purpose of paying qualified medical costs with member contributions.
While insurance companies usually pay a percentage of medical costs after the deductible, our HealthShare partner will share up to 100% of medical expenses after the initial member responsibility amount is paid.
HealthShare IUA How does it Work??
- Initial Unshareable Amount, or IUA is the amount members are responsible for paying when a medical event occurs.
- IUA options $1000, $2500, or $5000.
- Members pay a single IUA for all eligible medical expenses, per incident.
- The IUA is a rolling 12 months per medical incident
- Holistic and alternative medical treatments, allow members freedom from the constraints of traditional health insurance.
Example of Family Medical Expenses during a Year
Uninsured Self-Pay | Traditional ACA | HealthShare | |
---|---|---|---|
Annual Premium | $0 | $16K - $22K | $10K |
Preventative Vists | out of pocket | Covered | $250 Benefit |
$20K Surgery Primary | $20K | $7K deductible & co-ins | $1K IUA |
Chiropractic for cause | $0 | $0 | 15 Visits $75 |
Surgery Spouse | $7K | $0 | $1K IUA |
Surgery Child | $5K | $0 | $1K IUA |
Annual Costs | $33,000 | $23K - $29K | $13,000 |
Preventive Services Guide
- Annual Provider Visit shareable upon membership activation up to $250 may be used for preventive visits & specialist visits.
- Colonoscopies are shareable after six months of continuous membership. Colonoscopies are shareable every 10 years starting at age 45
- Mammograms A yearly preventive mammogram is shareable beginning at age 50
- Youth Immunizations (up to 18 years old) are shareable after six months of continuous membership
- Well Child Visits and their associated immunizations are shareable Zion Health will share in up to six (6) well child visits before the age of 12 months, three (3) between 12 months and 24 months, and two (2) between 24
months and 36 months.
Pre-Existing Medical Conditions Guide
A preexisting medical condition is any illness or injury for which a person has within the last 24 months
Been examined
- Been diagnosed
- Taken medication
- Had symptoms
- Received medical treatment
- Preexisting Exceptions – High Blood Pressure, High Cholesterol, and Diabetes (types 1 and 2) will not be considered preexisting medical conditions as long as the member has not been hospitalized for the condition in the 12 months prior to enrollment and is able to control it through medication or diet.
Pre-Existing Condition Phase-In Period
Shareable amounts for pre-existing medical conditions: Year One: $0 (waiting period)
• Year Two: $25,000 maximum per need request
• Year Three: $50,000 maximum per need request
• Year Four & Plus Years : $125,000 maximum per need request