Frequently Asked Questions

You’ve got questions. We’ve got answers.

Sharing Questions

What kinds of medical expenses are eligible for sharing?

Eligible expenses include hospitalizations, surgeries, accidents, maternity, and many other medically necessary services. For more information on eligible expenses, please view our Member Guidelines.

Are expenses related to cancer eligible for sharing?

Yes. Zion HealthShare shares in eligible medical expenses for cancer diagnosis and treatment. Our community supports members throughout their cancer journey by sharing in qualifying medical costs in accordance with the Member Guidelines.

How are pre-membership medical conditions treated?

A pre-membership medical condition is anything where a member has experienced one or more of the following: been examined, diagnosed, taken medication, had symptoms, a personal history of or known increased risk of conditions that may arise or worsen in pregnancy, or received medical treatment within the 24 months prior to membership. These are subject to a phase-in period before becoming eligible for sharing. Exceptions apply for high blood pressure, high cholesterol, and diabetes, provided these have not resulted in hospitalization in the 12 months prior to membership.

Will Zion HealthShare share expenses for care received outside the United States?

Emergency or urgent care expenses incurred outside the United States or Puerto Rico may be eligible for sharing, subject to the Member Guidelines.

Does Zion HealthShare share prescription medications?

Eligible prescription expenses may be included as part of an eligible sharing request. Zion HealthShare also offers Zion RxShare, powered by RxValet, which provides access to discounted prescription medications. To learn more about Zion RxShare, visit our services page.

What if I have an insurance policy in addition to a Zion HealthShare membership?

When a member has health insurance, workers’ compensation, liability insurance, or similar coverage, this must be disclosed to Zion HealthShare. Because Zion HealthShare is not health insurance, any applicable insurer is considered the primary payer. The Zion HealthShare community only considers sharing in eligible medical expenses that remain unpaid after all relevant insurance claims have been processed and paid. This applies to auto insurance following a car accident as well. If existing coverage is not disclosed, the sharing request may be ineligible. Any available benefits, including insurance, government assistance, or the like should also be disclosed at the time of submission.

Companies & Organizations

Can Zion HealthShare be offered to employees?

Yes! Zion HealthShare is a flexible option for businesses of any size. Participation is voluntary and Employers may choose whether or not to contribute toward employee membership contributions.

Is Zion HealthShare ACA compliant?

Zion HealthShare is not ACA compliant. It is a nonprofit, community based alternative to traditional insurance.

Are there any minimum participation requirements?

A minimum of two participating households is required to enroll a company with Zion HealthShare. No additional participation minimums apply.

Why do businesses choose Zion HealthShare?

Businesses value Zion HealthShare’s affordability, flexibility, and simplicity. Key advantages include: No required employer contributions, no minimum participation beyond two households, no network restrictions, open to businesses of all types, and employees may join or leave at any time.

How do businesses enroll with Zion HealthShare?

Businesses can easily enroll by scheduling a call with our team. We’ll guide you through the process and help your employees understand how to join the Zion HealthShare community.