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UPDATED: 1\/1\/2026[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.27.3″ background_color=”#FFFFFF” global_colors_info=”{}”][et_pb_row column_structure=”1_5,3_5,1_5″ _builder_version=”4.27.3″ _module_preset=”default” background_color=”#f4f2f0″ border_radii=”on|10px|10px|10px|10px” border_width_all=”1px” border_color_all=”#e9e7e5″ global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.27.3″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.27.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.3″ _module_preset=”default” header_2_text_align=”center” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_button button_url=”https:\/\/zionhealthshare.org\/wp-content\/uploads\/2026\/07\/Member-Guidelines_07.2026-1.pdf” button_text=”DOWNLOAD 2026 MEMBER GUIDELINES (Eng) ” button_alignment=”center” _builder_version=”4.27.3″ _module_preset=”default” custom_padding=”15px||15px||false|false” custom_css_main_element=”width:90%;text-align:center;max-width:600px;” global_colors_info=”{}”][\/et_pb_button][et_pb_button button_url=”https:\/\/zionhealthshare.org\/wp-content\/uploads\/2026\/07\/Pautas-de-MembresIa_07.2026.pdf” button_text=”DESCARGA 2026 Pautas De Membres\u00eda (ESP) ” button_alignment=”center” _builder_version=”4.27.3″ _module_preset=”default” custom_padding=”15px||15px||false|false” custom_css_main_element=”width:90%;text-align:center;max-width:600px;” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.3″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.3″ _module_preset=”default” header_2_font=”|800|on||||||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/zionhealthshare.org\/wp-content\/uploads\/2024\/07\/AdobeStock_136083130-1-scaled.jpeg” title_text=”Female Real Estate agent offer home ownership and life insurance” _builder_version=”4.27.3″ _module_preset=”default” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.3″ _module_preset=”default” header_2_font=”|800|on||||||” global_colors_info=”{}”]<\/p>\n
NOTE: The Member Guidelines effective January 1, 2026 will only be applicable to sharing requests that are submitted on or after that date. If a sharing request was submitted prior to January 1, 2026 the sharing request will be reviewed for sharing eligibility according to the Member Guidelines in effect at that time.<\/p>\n
Read our July 1, 2026 clarification announcement here<\/a> [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.27.3″ background_color=”#fdfbf8″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.27.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”||||false|false” custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.27.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n At Zion HealthShare, we have streamlined the HealthShare experience to make medical cost sharing more accessible to everyone. Our Member Guidelines outline who we are as an organization, and how we facilitate sharing of medical costs for our members.<\/strong><\/p>\n Modern medical cost sharing organizations, also known as HealthShares, began in the 1980s when a beloved pastor in Ohio was involved in a terrible automobile accident. His congregation came together to pay his medical bills\u2014in full, in just forty-five days. This same community decided to continue following the biblical mandate to \u201cbear one another\u2019s burdens\u201d by sharing healthcare costs in a simple yet practical way.<\/p>\n Members of HealthShares across the country share one another\u2019s medical expenses in a similar fashion. This system has proven to be an effective alternative to health insurance. Members enjoy the freedom, stability, and flexibility of medical cost sharing while keeping more money in their own pockets.<\/p>\n Zion HealthShare began facilitating medical cost sharing with its members in 2019 and has since become the fastest-growing, top-rated HealthShare in the nation. Learning from the organizations that came before, Zion HealthShare was founded with the mission to reimagine what medical cost sharing could be and better serve member needs amid the rapidly changing environment of American healthcare.<\/p>\n Back to top<\/a><\/p>\n As a nonprofit, we are redefining healthcare through an affordable, community-driven alternative to health insurance. We provide a transparent, flexible approach to medical cost sharing, free from network restrictions, religious requirements, and enrollment limitations. Rooted in simplicity and compassion, our mission is to ensure members can access the care they need with the support of a reliable community.<\/p>\n Focus on Community<\/strong> Culture of Transparency<\/strong> Service with Compassion<\/strong> Guided by Simplicity<\/strong> Back to top<\/a><\/p>\n All sharing request determinations may only be done by a Determination Adjudicator with Zion HealthShare. If a member receives information whether by phone, email, direct message, or any other means of communication from any employee who is not a Determination Adjudicator, the member will be receiving an opinion and not a binding decision.<\/p>\n Back to top<\/a><\/p>\n Adherence to the Zion HealthShare Principles of Membership minimizes medical risks, encourages good health practices, and ensures member integrity and accountability. Our members must comply with certain requirements to maintain membership and remain eligible to participate in our medical cost sharing community.<\/p>\n Zion HealthShare members are expected to act with honor and integrity. Members should not falsify a sharing request, medical records, or use other deceptive practices. If a member abuses the trust of our community, their membership may be revoked or withdrawn.<\/p>\n All Zion HealthShare members must attest to the following statements:<\/p>\n 1. I believe that a community of ethical, health-conscious people can most effectively care for one another by directly sharing the costs associated with each other\u2019s healthcare needs. I acknowledge that Zion HealthShare affiliates itself with, and considers itself accountable to, a higher power. I recognize that Zion HealthShare welcomes members of all faiths.<\/p>\n 2. I understand that Zion HealthShare is a benevolent organization, not an insurance entity, and that Zion HealthShare cannot guarantee payment of medical expenses.<\/p>\n 3. I will practice good health measures and strive for a balanced lifestyle. I agree to abstain from the use of any illicit or illegal drugs and refrain from excessive alcohol consumption, acts which are harmful to the body. I understand that members who use tobacco will have an increased monthly contribution (per household membership) of $50. Failure to report tobacco use will result in a one-time $500 fee for the household. Cost sharing for all open sharing requests will pause until this fee is paid in full to the community.<\/p>\n 4. I am obligated to care for my family. I believe that mental, physical, emotional, or other abuse of a family member, or any other person, is morally wrong. I am committed to always treating my family and others with care and respect.<\/p>\n 5. I agree to submit to mediation followed by subsequent binding arbitration, if needed, for any instance of a dispute with Zion HealthShare or its affiliates.<\/p>\n Back to top<\/a><\/p>\n Individual membership eligibility is primarily based on:<\/p>\n After committing to these primary eligibility requirements, prospective members are eligible to join the Zion HealthShare community. Membership may begin on a date selected by the prospective member, specified by Zion HealthShare, or the company their membership originates from, known as the membership start date. The prospective member\u2019s monthly contribution must be received within 15 days of the agreed-upon membership start date. Once the first monthly contribution has been received membership is considered active.<\/p>\n Commitment and Qualifications<\/strong><\/p>\n Members commit to abide by a set of personal standards as outlined in our Principles of Membership. If a violation of the Principles of Membership is discovered through review of a member\u2019s submitted medical records, all sharing for that member will be put on hold. This hold will begin on the date the violation was discovered or recorded. Notification of the hold and an explanation of the discovery will be issued to the member.<\/p>\n Members will have 30 days to submit documentation supporting compliance with the Principles of Membership. If submitted documentation does not satisfactorily demonstrate compliance, membership may be revoked. If membership is revoked due to a violation of the Principles of Membership, Zion HealthShare will not return the offending member\u2019s contributions received prior to the date of revocation.<\/p>\n While member health status has no effect on eligibility for membership, there are sharing limits for some pre-membership medical conditions. Sharing requests that are not eligible for sharing may still be eligible through the Additional Giving fund. See the Additional Giving section for details.<\/p>\n Participation Through Contributions<\/strong><\/p>\n Household memberships submit monthly contributions to participate in the medical cost sharing community. Direct household memberships make their contributions directly with Zion HealthShare. Essential household memberships generally make monthly contributions through their employer or DPC practice.<\/p>\n Participation in the medical cost sharing community is voluntary, but monthly contributions are required for active membership and sharing eligibility. Monthly contributions are not tax deductible. Monthly contributions must be received no later than 15* days after the contribution date. If a monthly contribution is not received by the last day of the billing month*, the household membership will become inactive, and the member(s) will be withdrawn from the medical cost sharing community.<\/p>\n Withdrawn members, household or individual, may reapply if they meet all eligibility requirements. Once they reapply and are reinstated by Zion HealthShare, they become eligible to participate in the medical cost sharing community. If membership is reinstated after more than 30 days, all sharing requests submitted after the membership is inactive and before reinstatement will be ineligible for member-to-member sharing, and any medical conditions existing before being reinstated will be considered pre-membership medical conditions. If the membership is reinstated before 30 days, all sharing will resume as though membership never lapsed.<\/p>\n Please note, this timeline may be extended for households residing in Florida or Oklahoma. Speak to a Member Support representative for details.<\/p>\n Active Membership<\/strong><\/p>\n Membership is considered active when the member has paid their monthly contributions on time, adheres to the Individual Membership Eligibility, and is in good standing with Zion HealthShare. For a sharing request to be shared, an individual membership must be active during the date(s) of service, when the sharing request is submitted, when medical bills are received, a sharing determination is made, and when the IUA is paid. If a membership becomes inactive before any of the above, the bills may not be shared with the community. Any pre-membership medical condition limitations are applied based on the membership start date.<\/p>\n Residency Statement<\/strong><\/p>\n Zion HealthShare individual members must reside within, and be a resident of, the United States or Puerto Rico to participate in and contribute to medical cost sharing. Individual members who choose to move outside of the United States or Puerto Rico for missions, military, or serving abroad can maintain their membership with the following requirements:<\/p>\n Zion HealthShare is unable to enroll new members who reside in the state of Washington. See Zion HealthShare’s Washington Statement<\/a> for more information.<\/p>\n Back to top<\/a><\/p>\n Zion HealthShare offers different household membership options for individuals and families. Monthly contributions are based on the household membership type (Direct or Essential), age group, membership tier, and chosen Initial Unshareable Amount (IUA).<\/p>\n Determination of Household Membership Tier<\/strong><\/p>\n There are four membership tiers:<\/p>\n Spouse\/Domestic Partner<\/strong><\/p>\n Domestic Partner is an unrelated and unmarried person who shares common living quarters with a Primary Member and lives in a relationship that is not legally defined as marriage by the state in which the member resides. A spouse is a significant other in a state-defined marriage. In certain contexts, it can also apply to a civil union or common-law marriage.<\/p>\n Child(ren)<\/strong><\/p>\n An unmarried child under twenty-six (26) years of age may participate under a household membership with the Primary Member. The Primary Member is responsible for ensuring that each individual participating under the household membership complies with the Member Guidelines and Principles of Membership.<\/p>\n When a child turns twenty-six (26) or marries, they can no longer participate under the household membership. To ensure a continuous membership, the child must complete an enrollment form within thirty (30) days after being withdrawn from their previous household membership.<\/p>\n Children who age out of a membership and choose to re-enroll after the 30-day time limit, will be subject to the sharing limitations for pre-membership medical conditions. Any sharing requests that occur between the time a child is withdrawn from their previous membership and beginning their own are ineligible for sharing. See Pre-Membership Medical Conditions Guidelines for more information.<\/p>\n Newborns<\/strong><\/p>\n Newborns whose birth is related to an eligible maternity sharing request must be added to the household membership by the parent within 30 days of birth. In the case of a household membership tier change, the monthly contribution amount will automatically be adjusted for the next contribution. If the parent does not enroll their newborn within 30 days, any conditions present at birth or that occur before the newborn\u2019s membership start date will be considered pre-membership medical conditions.<\/p>\n If a parent wishes to add a newborn who was not born in connection with an eligible maternity sharing request, the parent must submit a membership enrollment form for the newborn. The newborn\u2019s membership start date can be no sooner than seven (7) days after delivery. Any genetic conditions or complications for newborns not born in connection with an eligible maternity sharing request are considered pre-membership medical conditions and subject to the same limitations as defined in the Pre-Membership Medical Conditions section.<\/p>\n Adoption<\/strong><\/p>\n Zion HealthShare considers adopted children the same as biological children; therefore, some medical expenses in relation to the birth may be eligible for sharing. See the Adoption Birth Expenses guideline.<\/p>\n Adopted children cannot be added to a Zion HealthShare membership prior to birth as they are not considered born through an eligible maternity sharing request and therefore must be added no sooner than seven (7) days after delivery. Any conditions present prior to the legal adoption of the child are considered pre-membership medical conditions and are subject to the sharing limitations and phase-in period as defined in the Pre-Membership Medical Conditions section.<\/p>\n Grandchildren<\/strong><\/p>\n A grandchild (or grandchildren) may be included as part of their grandparent\u2019s membership under the following criteria:<\/p>\n 1. The grandparent has legal custody of the grandchild. Tobacco\/Cannabis Users<\/strong><\/p>\n Household memberships with one or more tobacco\/cannabis users are required to contribute a higher monthly contribution to maintain membership. The monthly tobacco surcharge is $50 per household membership.<\/p>\n A tobacco\/cannabis user is defined as a member who uses any tobacco\/cannabis product one or more times within the past twelve (12) months. These products include, but are not limited to, cigarettes, cigars, chewing tobacco, snuff, pipe tobacco, and inhaled products through vape, hookah, and similar delivery devices. Smoked cannabis products are considered tobacco for the purposes of the tobacco surcharge.<\/p>\n Failure to report tobacco\/cannabis use will result in a one-time $500 fee for the household. Cost sharing for all open sharing requests will pause until this fee is paid in full to the community. The tobacco surcharge will be applied to the monthly membership contribution beginning with the next billing cycle. In keeping with the Principles of Membership, deliberate failure to report tobacco use may result in the membership being revoked or withdrawn. If the tobacco\/cannabis user(s) have not used tobacco\/cannabis products for over twelve (12) months, the tobacco surcharge may be removed by providing supporting documentation from the treating licensed medical provider to Zion HealthShare. Although the surcharge may be removed, the sharing limitations as described in Sharing Limitations on Tobacco Use will remain.<\/p>\n Back to top<\/a><\/p>\n The Initial Unshareable Amount, or IUA, is the amount an individual member must pay before expenses related to a medical need become eligible for sharing with the medical cost sharing community. There are three membership IUA options: $1,250, $2,500, and $5,000. Maternity sharing requests have a standard IUA as noted in the Maternity section.<\/p>\n After the IUA is met, additional eligible medical expenses related to the medical need are eligible for sharing with the Zion HealthShare community. Individual members do not need to pay another IUA for any eligible medical need until they are symptom free for 12 months. Additionally, household memberships will not be responsible for more than three (3) IUAs in a rolling 12-month period.<\/p>\n Changing IUA Amounts<\/strong><\/p>\n Household memberships may choose to change their IUA once per membership year. If an IUA is lowered, a 60-day waiting period will apply before the lower IUA takes effect, except for sharing requests resulting from an accident. Sharing requests for medical services received during this waiting period will be subject to the household\u2019s previous IUA.<\/p>\n Multiple IUAs in a 12-Month Period<\/strong><\/p>\n Each household membership will only be responsible for three (3) IUAs in a rolling 12-month period beginning on the date the member submits the verified IUA. If a household membership has paid three (3) IUAs in a rolling 12-month period, any additional eligible sharing requests exceeding $500 will be shared with no IUA responsibility.<\/p>\n Back to top<\/a><\/p>\n Sharing requests are submitted on a per individual member, per medical need basis. A medical need is the reason for which an individual member submits a sharing request. This includes, but is not limited to, preventive visits, maternity, an accident, or a serious medical incident. Each medical need may result in medical expenses incurred by receiving medically necessary treatment that is proven safe and effective from licensed medical professionals and facilities, such as physicians, emergency rooms, and hospital facilities. All diagnostic testing, including but not limited to blood and imaging tests, must be FDA-approved to be eligible for sharing. Costs for testing done by laboratories and\/or facilities whose results are not validated by the FDA are ineligible for sharing.<\/p>\n When an individual member has an eligible medical expense to be shared, the individual member must submit a sharing request. Once their sharing request is open, they must submit original, itemized bills for the medical expense within six (6) months of treatment. Bills submitted more than six (6) months after the date of service may be considered ineligible for sharing. There is no lifetime limit on the number of eligible expenses that may be shared. See the Sharing Request Guide for more information.<\/p>\n Submitting a Sharing Request<\/strong><\/p>\n Sharing requests must be submitted by active individual members through the Member Portal, as soon as possible, but no later than six (6) months from the date of service. Most nonemergency eligible sharing requests, such as surgical procedures and preventive, should be submitted prior to the date of service.<\/p>\n Determination of a Sharing Request<\/strong><\/p>\n Expenses related to the same medical need will be shared as one sharing request. Members do not need to pay another IUA for any given medical need until they are symptom free for 12 months. After 12 months, if symptoms return, a new sharing request may need to be opened and another IUA paid. Determinations and IUA application per medical need on sharing requests are made by the Determination Adjudicators and according to applicable Member Guidelines.<\/p>\n Required Documentation & Time Limit for Providing Documentation<\/strong><\/p>\n In order to be eligible for sharing, sharing requests and each itemized bill and statement must be submitted within six (6) months of the date of service. The IUA must also be paid within six (6) months to be considered for sharing. When submitting a sharing request, members must submit any documentation received from their provider. Zion HealthShare may request additional documents that may be required throughout the sharing request process. Document types can include, but are not limited to, medical records, receipts, proofs of payment, itemized bills and statements.<\/p>\n Original, itemized bills and statements must be submitted promptly to Zion HealthShare along with the sharing request form, opened through the Member Portal, for the sharing request to be processed as soon as possible.<\/p>\n Please reference all applicable guidelines to determine if there are other document requirements or time limits.<\/p>\n Meeting the IUA <\/strong><\/p>\n Medical expenses are only eligible for sharing after members have met their IUA. Members must provide documentation to Zion HealthShare of all payments that may contribute toward the member\u2019s IUA.<\/p>\n The IUA must be paid within six (6) months of the date of service or bills may become ineligible for sharing. Consideration will be given for situations where the cost of treatment has not exceeded the IUA after six (6) months for certain eligible sharing requests. Members must communicate with their Member Needs processor about a timeline for IUA payment.<\/p>\n Requesting Discounts and Pre-Payments<\/strong><\/p>\n Members have options for sharing prior to, at the time of, or after medical services are rendered. For all purposes, members should present as self-pay patients and communicate costs and discounts as soon as possible to Zion HealthShare. Zion HealthShare is not insurance, so members should tell their provider they are an uninsured, self-pay patient if they do not have insurance through other means. That way, members can obtain self-pay discounts on services, which allows Zion HealthShare to keep membership contributions low. Members must obtain itemized bills and receipts to request payment or reimbursement from the Zion HealthShare community. In some cases, prepayment may be an option.<\/p>\n Contact your Member Needs processor before receiving nonemergency medical treatment for prompt payment at the time of service.<\/p>\n Insurance, Group Plan, Government Assistance Plans, Legal Representation, and Other Coverage & Memberships <\/strong><\/p>\n If an individual member has other insurance, a group plan, or government assistance, health share membership or the like, those will be responsible for covering medical expenses first. The Zion HealthShare community may share any remaining eligible medical expenses after those options have been exhausted.<\/p>\n If a lawyer has been hired to handle medical expenses related to a specific need or because of issues with medical services, Zion HealthShare will wait for the case to be resolved before determining if the community can share in any remaining eligible medical expenses.<\/p>\n It’s important to inform Zion HealthShare if any other coverage exists (insurance or not), including through a spouse, family member, employer, or government program. Failure to disclose this information may make medical expenses ineligible for sharing.<\/p>\n Appeals<\/strong><\/p>\n If an individual member believes that a sharing limitation was incorrectly placed or a determination of ineligible for sharing was provided on their sharing request, they may submit an appeal. An individual member may submit an appeal only if their individual membership remains active throughout the appeals process. All appeals are reviewed by a committee, which includes trained medical professionals. All appeals results are final and may not be appealed again.<\/p>\n Appeal requests must be submitted within thirty (30) days of the sharing request determination and must be submitted by the individual member, not the member\u2019s providers. Zion HealthShare may request additional information from providers if needed.<\/p>\n To file an appeal, send the medical evidence, a written explanation, and any other supporting documentation to the Determination Adjudicators.<\/p>\n Aging Out at 65<\/strong><\/p>\n Medical incidents, services, and expenses that occur before an individual member age out at sixty-five (65) may be eligible for sharing. Individual members have up to thirty (30) days after their membership end date to open a new sharing request for eligible expenses incurred prior to age sixty-five (65).<\/p>\n For individual members with an existing open sharing request at the time they reach age sixty-five (65), eligible expenses incurred prior to age sixty-five (65) must be submitted within six (6) months of the date of service.<\/p>\n All other standard timeframes remain in effect:<\/p>\n Any medical incidents, services, or expenses incurred on or after the individual member reaches age sixty-five (65) are not eligible for sharing.<\/p>\n Medical Records Addendums<\/strong><\/p>\n An individual member\u2019s Medical Records may be requested to assist with the determination of a sharing request. After the requested medical records have been reviewed and a determination is made, medical record addendums will not be considered unless they are combined with an official addendum from the applicable provider. The addendum must be separate and include the following:<\/p>\n Conflict of Interest<\/strong><\/p>\n In keeping with the Principles of Membership, and in the interest of protecting the Zion HealthShare community, medical expenses incurred by an individual member that obtains medical treatment from a provider with which the individual member or household membership has an affiliation, partnership, personal or business relationship, or the like, and receives financial gain, is ineligible for sharing.<\/p>\n Maximum Shareable Amount<\/strong><\/p>\n There is no annual or lifetime maximum for any member or household membership. However, some expenses may be subject to limitations according to these Member Guidelines.<\/p>\n Back to top<\/a><\/p>\n To keep membership contributions low for all household memberships, a waiting period was implemented for sharing of medical conditions that existed prior to an individual member\u2019s membership start date. Zion HealthShare calls such medical conditions: pre-membership medical conditions. This section defines pre-membership medical conditions and outlines related sharing limitations.<\/p>\n Definition of a Pre-Membership Medical Condition<\/strong><\/p>\n A pre-membership medical condition is anything where an individual member has experienced one or more of the following: <\/span><\/p>\n within the 24 months prior to their membership start date. Sharing requests related to pre-membership medical conditions are only eligible for sharing if the condition was regarded as cured and did not require treatment or present symptoms for 24 months prior to the membership start date.<\/p>\n Pre-Membership Medical Condition Phase-In Period<\/strong><\/p>\n Pre-membership medical conditions have a phase-in period wherein sharing is limited. Starting from the individual membership start date, there is a one-year waiting period before pre-membership medical conditions are eligible for sharing. After the waiting period, the amount eligible for sharing increases with each membership year. Sharing for pre-membership medical conditions are based on service date.<\/p>\n Amounts eligible for sharing for pre-membership medical conditions:<\/p>\n After four years of membership, expenses related to pre-membership medical conditions will be eligible for sharing up to a maximum of $125,000 in a 12-month period. The maximum resets each membership year.<\/p>\n Exceptions for High Blood Pressure, High Cholesterol, & Diabetes<\/strong><\/p>\n High blood pressure, high cholesterol, and diabetes (types 1 and 2) are not considered pre-membership medical conditions as long as:<\/p>\n Back to top<\/a><\/p>\n Zion HealthShare shares specific preventive services with the Direct Membership, or with the additional Preventive Sharing service added to the Essential Membership, for six (6) months. Preventive sharing is not subject to the IUA and all preventive services must occur after the waiting period. Members should take advantage of the Member Advocate team to help them locate low-cost facilities.<\/p>\n Zion HealthShare references the following resources regarding preventive sharing:<\/p>\n See the Preventive Medical Sharing Guide for more details.<\/p>\n Annual Provider Visit<\/strong><\/p>\n Sharing for an annual provider visit is available upon individual membership start date of a continuous household membership that includes the Preventive Sharing additional service and every twelve (12) months from the eligible visit date. Sharing is limited to the services provided during the office visit only, up to $175.<\/p>\n Cervical cancer screenings are considered eligible for sharing only when performed during the annual provider visit. Prostate cancer screenings by blood tests for prostate specific antigen (PSA) are considered eligible for sharing only when ordered or drawn during the annual provider visit and after fifty (50) years of age. If a follow-up is requested for either, it will require a separate sharing request and subsequent IUA.<\/p>\n Please note: Emergency room or urgent care visits are not eligible for sharing as an Annual Provider Visit.<\/p>\n Colorectal Cancer Screenings<\/strong><\/p>\n Sharing for a colorectal cancer screening is available every ten (10) years beginning at the age of forty-five (45) and after six (6) months of a continuous individual membership that includes the Preventive Services<\/em> additional service.<\/p>\n Sharing is limited to $5,000 for the screening colonoscopy, anesthesia, diagnostic testing, biopsies, and pathology performed as a part of the screening. Any additional costs, services, or follow-ups will be the member\u2019s responsibility. For high-risk members under forty-five (45), this service may be eligible for sharing with prior written approval from Zion HealthShare.<\/p>\n Home colorectal cancer screening tests such as high sensitivity gFOBT (guaiac fecal occult blood test), FIT (fecal immunochemical test), and sDNA-FIT (stool DNA with fecal immunochemical test) are eligible for sharing beginning at the age of 45 and after six (6) months of continuous individual membership with preventive services. gFOBT and FIT are eligible for sharing once every twelve (12) months; sDNA-FIT is eligible for sharing once every three (3) years up to $500 for the test.<\/p>\n Any additional testing resulting from a home colorectal cancer screening test, including a colonoscopy, will require a separate sharing request and is subject to the IUA. All other colorectal cancer screenings are ineligible for sharing as a preventive service but may be considered for sharing as a separate sharing request dependent upon the reason and only with prior written approval from Zion HealthShare. All non-preventive colorectal cancer screenings are subject to the IUA.<\/p>\n Mammograms<\/strong><\/p>\n Sharing for a mammogram is available every year beginning at the age of forty (40) and after six (6) months of a continuous individual membership that includes the Preventive Sharing additional service. Sharing is limited to $600 for a 2D or 3D mammogram. The exam, appointment, and evaluation of imaging performed as a part of the screening will count toward the $600 limit. Any extra services provided will be the member\u2019s responsibility. For high-risk members under the age of forty (40) this service may be considered for sharing with prior written approval from Zion HealthShare. <\/span><\/p>\n If the finding of the screening mammogram is inconclusive and warrants an ultrasound ordered by a licensed medical provider, Zion HealthShare will consider sharing in the cost which will be included in the $600 sharing limit.<\/span><\/p>\n All other mammograms are ineligible for sharing as a preventive service but may be considered for sharing as a separate sharing request dependent upon the reason and only with prior written approval from Zion HealthShare. All non-preventive and diagnostic mammograms are subject to the IUA.<\/p>\n Youth Immunizations<\/strong><\/p>\n Youth immunizations are eligible for sharing if the preventive sharing feature is added to the individual membership. There is a 6-month waiting period before sharing can begin. If a child is born through a maternity sharing request and the household has had Preventive Sharing for at least 6 months before birth, sharing can begin at membership start date. However, if a child is added to the membership later and not through a maternity sharing request, the 6-month waiting period will apply.<\/p>\n Zion HealthShare may share up to the CDC price<\/a> list in effect at the time of the eligible sharing request. Sharing is limited to the immunizations outlined below:<\/p>\n – HPV (Human Papilloma Virus) Well Child Visits<\/strong><\/p>\n Well Child Visits are eligible for sharing if the preventive sharing feature is added to the individual membership. There is a 6-month waiting period before sharing can begin. If a child is born through a maternity sharing request and the household has had Preventive Sharing for at least 6 months before birth, sharing can begin at membership start date. However, if a child is added to the membership later and not through a maternity sharing request, the 6-month waiting period will apply.<\/p>\n Sharing is limited to $175 for the office visit costs, and associated immunizations are limited as outlined in the Youth Immunizations section. Qualifying visits are for children at the following ages:<\/p>\n
Clarificaci\u00f3nes 1 de Julio de 2026 en Espa\u00f1ol<\/a><\/p>\nHealthShare Beginnings<\/h3>\n
Our Mission<\/h3>\n
Our Values<\/h3>\n
We stand together in solidarity, fostering a reliable and steadfast community our members can always count on.<\/p>\n
We are committed to honesty and accountability, ensuring responsible stewardship of our shared resources.<\/p>\n
We nurture a welcoming and supportive community, serving every member with empathy and respect.<\/p>\n
We make health sharing accessible and understandable, providing a straightforward membership experience.<\/p>\nAdvisory Opinion<\/h3>\n
Principles of Membership<\/h3>\n
Individual Membership Eligibility<\/h3>\n
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Individual Members and Household Membership<\/h3>\n
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2. The grandchild lives with their grandparents at least nine months out of the year.
3. There is no other group, agency, or person responsible for the grandchild\u2019s medical needs.<\/p>\nThe Initial Unshareable Amount (IUA)<\/h3>\n
Sharing Requests<\/h3>\n
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Pre-Membership Medical Conditions<\/h3>\n
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Preventive Services<\/h3>\n
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– Men (Meningococcal)
– PCV (Pneumococcal)
– RV (Rotavirus Immunization)
– IPV (Inactivated Polio Immunization)
– HIB (Haemophilus Influenza Type B)
– Hep A (Hepatitis A)
– Hep B (Hepatitis B)
– VAR (Varicella)
– DTaP (Diphtheria, Tetanus, acellular pertussis)
– Tdap (Tetanus, Diphtheria, acellular pertussis)
– MMR (Measles, Mumps, Rubella)<\/p>\n\n