OneShare Health

I had One share for over 2 yrs. ($800. per month classic policy) and thought they would help with any medical issues that might come up. That was a huge mistake. I had to have cataract surgery on both eyes. in aug/sept of 2023. They had me do the prenotification and said I was covered. Surgery went well. I sent all my receipts and billing info that they requested. After many phone calls and emails it became very obvious they were not going to reimburse any of the cost for the procedure that I paid $13000. out of pocket.

I had such high hopes for a “Christian” organization that supports health care. I had it for 16 months and paid in over $17,000. Out of 4 legitimate claims for a lab and office visits they only paid 1, and that only after me relentlessly calling and bugging them. They’ve left me with over $2,000 in unpaid bills. They are a ripoff and I wish somehow they would be held accountable . Don’t waste your money.

This is a S-C-A-M under the guise of religion group sharing. I guess that’s why what we paid (almost $30,000) over the course of four years is what they call “Contributions”.
Horrible experience. Shame on me for keeping our policy active for almost 4 years. I had to put a stop payment with my bank to terminate my policy because even cancelling is problematic.

Would give ZERO stars if I could. I was enrolled in OneShare for 2 years. They were great at communication the first few claims (annual physicals) , then crickets. I rarely went to the doctor and they would not pay medical bills for simple things like bloodwork. When I finally got to actually talk to someone, they kept telling me they were busy and still going through claims. 9 MONTHS TO A YEAR LATER they were sending me letters saying claims were denied. By that time I had dumped them and just paid the bills. It feels very scammy and I hear many reviews that echo that. DO NOT ENROLL IN ONE SHARE.

OneShare Health is one of the biggest scams going. DO NOT join into this. I had a surgical procedure September 2022. I have been providing medical records, billing codes, provider EIN numbers, everything you can think of to delay them into actually saying that any sharing has been denied. I was notified of this 10/19/23. Of course they say I can dispute this decision but I’m done with this unethical, unChristian, unprofessional business. While they lead us to believe they may “share” I’m making monthly payments on the hospital bill. I wish I had read reviews before I bought into this.

One share is a scam. My husband had back surgery for a pinched nerve. Incident occurred in May. Surgery scheduled in July. We turned in all the requested bills/paperwork/dr office codes/tax ID info/receipts etc. the list goes on and on. Each time we got a response back about 3 months later requesting additional information. We never received a cent in reimbursement for a surgery and applicable appointments and procedures we payed for out of pocket. This went on for over a year before we realized we had been scammed and cancelled our membership. I don’t know if other “share” organizations operate this way. But highly recommend looking elsewhere for insurance coverage or reimbursement needs. This was a disheartening experience to go thru on top of the medical issues we faced.

I been with them for 5 years my downs boy needed a pace maker his heart rate was 30 bpm had to do it oneshare denied it said it was not medically necessary. I had to mortgage my house to pay 80 thousand to get pace maker …. How can this buisness keep taking money and not required to pay for such an operation?? 8178881924 any feel free to text me or call me text better ….

Please do not purchase this insurance. I paid over 5 mos of payments for my individual insurance of almost $500 a month. I fell and broke my hand and they will pay nothing. It says ion the card I can see a specialist, I called them, they told me I can see anyone. The physicians office called one share and they said they’re is no coverage, it’s all self pay. They didn’t tell me that! They told me the opposite, lied and sent me forms that I had to fill out, told me to make sure the codes were correct to be reimbursed. All lies. I called again today, 8th call, hours of waiting only to be told no. No sharing and it’s their right. It’s what I signed up for. DO NOT WATER YOUR MONEY ON ONESHARE

BEWARE! Oneshare is 100% a scam! Our family lost health insurance coverage and, due to the unreasonable high cost of health insurance, we decided to try Oneshare. BIG MISTAKE. My daughter had to go to the emergency department and required emergency surgery and a one night stay. Oneshare literally “shared” ZERO dollars. We were stuck with over $40,000 in medical expenses that Oneshare denied, and as a result, we had to file bankruptcy. Oneshare DOES NOT cover anything. Their only purpose is to fool people into thinking this is a real deal, take your money, and line their filthy greedy pockets. Learn from our mistake and do not sign up for Oneshare or ANY “health sharing” plan. They claim to be a Christian based organization and require you to declare that you are also a Christian in order to qualify. They state they will not cover prescription birth control even if it is prescribed for other reasons, and they categorically refuse to pay for anything related to mental health. I thought that was a red flag, and I should have backed out then and there but we desperately needed some sort of health assistance. Looking back, it makes sense they do not assist with birth control or mental health because they don’t assist with ANYTHING except emptying your bank account.

OneShare encourages members to go to ANY doctor of your choice and pay out of pocket. They claim you will be reimbursed. Trust me…you WILL NOT. I have paid approximately $30,000 out of pocket and haven’t seen a dime. Menopause is considered a pre-existing condition; however, it is not listed in their guideline. Auto Labs are not covered and it’s not stated in their guidelines either. Thyroid condition is a pre-existing condition; however, if Christain Health Quotes enrolls you to OneShare, they WILL NOT tell you that OneShare considers a thyroid issue a pre-existing condition. When you call OneShare, you may get a recording that states to “press 1 and your nine-digit number” to receive a call back. Well, your phone number is 10 digits. I have brought this to their attention over 6 months ago and it still has not been fixed. I haven’t updated my website lately because I am taking a digital marketing course to learn how to promote my website on every platform. People need to be informed. Visit onesharehealthreviews.com for more deceit on OneShare.

My experience with One Share Health has been wonderful!!! I have been a member since March, 2020. When I was searching for an alternative to traditional health care, OneShare Health offered everything that I needed in order to feel comfortable making the move!! From my first encounter with OneShare health staff, I have been impressed with the kindness and excellent customer service that I have experienced. The plans are very economical, and the one that I chose has helped me to reach my goal of early retirement. I love the 24/7 Clever Health option and have utilized it multiple times with great results. Thank you to OneShare Health!!!!!

Truly appreciate the leadership of Oneshare. In 2022 had an unexpected bill because of information recieved believe it was a mix up in communication. Did not get a favorable response from customer service escalated the situation. Pleased that the CEO spoke with me, agreed, and paid my claim. Customer service is key in my eyes and glad they made it right. Thanks again Oneshare!

Buyer beware. Most of the positive reviews here are in regard to the sign up process. But the real scam is when you need them to actually pay a bill, because they wont. My family paid for over year and never went to the doctor once. Then we had an emergency room visit because my son cut his finger and needed a few stitches. And they wouldn’t pay the bill. They had us send all of his past medical visits saying they needed to verify any pre existing conditions. Hello? He cut his finger. It was a one-time visit, that had nothing to do with anything in the past. He is a healthy kid. They collected our money for 15 months and then denied us when we needed a $1,500 bill covered for some stitches. It’s a scam. Beware. The Christian based thing is just a front to attract people in. If they won’t cover a one time visit for some stitches, what will they cover? My guess is nothing. So we cancelled. Don’t send your money to this scam.

We went with Medishare first and had a bad experience. They took our money and didn’t share our bills, therefore we ended up paying our own bills plus others. So, we changed to One Share. I signed up for One Share while my husband had health insurance through his work. He then quit the job so, I added him to my One Share. We weren’t really going to the doctor for a year or so. Therefore, we didn’t need to use our medical sharing. Last year I went on Medicare and took MYSELF off of One Share and kept my husband. His monthly fee is $538.85, that’s $6,460.56 a year. During that year, One Share paid none of his bills, and we even received a bill from an emergency visit for over $8,086.00 that they refused to pay. I’ve disputed the bill 3x’s and no reply. I’ve spoke with One Share on numerous occasions, with names of all that I’ve spoke with and have NEVER got an answer. Back in November I spoke with Joanna that said my husbands was cancelled last year. I explained to her that I’d cancelled mine to go on Medicare and we kept his. She came back and said that she could see that his is still in effect. She said that she would get it straightened out gave me a work item number and said that she’d get back to me by 11/18/22.
It never happened. Yesterday, I called again and spoke with Shena, she said that we hadn’t met the $5,000.00 yet. I told her that I’m making payments to Dignity Health for the $8086.00 emergency bill so yes, I have met my $5,000.00. She said that I’m not making the payments to them and in order for it to go toward our share, we have to make the payments to them. If that’s the case and when I disputed the charge 3x’s and never received an answer back, why didn’t they tell me that? Dignity Health has now put us in collections.

I would never us a Christian Sharing Program again. Cheat me once, shame on you, Cheat me twice shame on me. I’m reporting this to you to hopefully save you a lot of money and stress. You will be paying for others.

OneShare Health will block members who speak the truth on Facebook. If you have a complaint, file with the Better Business Bureau. Also, I have created a website to help get the word out about this company. Feel free to reach out to me and share your story on onesharehealthreviews.com.

Please be aware of the extreme limitations with this type of health insurance plan! My husband was sold on false information from a Colorado healthcare sales “consultant”. This “shared insurance” plan does not have a network – meaning you have no ability to verify whether a physician or procedure will actually be covered or not. You are not able to get any information about how much a procedure will cost, prior to having it done. After waiting a month for approval of a surgery my husband needed, he received a letter that provided no verification/ assurance of coverage. It stated, “this eligibility determination is not a final determination nor a guarantee of sharing eligibility or facilitation of payment for the services or treatment referenced”. In other words, they are not committing to any payment or coverage in advance! Why even have health insurance? In my husband’s case, the $5,000 ISA he paid for the “Classic Crown” program, only covered part of the Achilles Heel surgery he had to have. He was charged another $9,000+ for a simple “mesh” his surgeon put on his Achilles that Oneshare is trying to say is a prosthetic (similar to a knee replacement) when in reality it’s more like a band aide that is attached under the skin to hold ligaments in place. OneShare sent his surgeon an approval in advance and after talking to them directly he was told his $5,000 ISA would be all that he would pay. After 5 months and multiple calls to unknowledgeable people working from home with babies screaming in the background, OneShare is telling him “something doesn’t look right” and “submit a dispute claim”. However, he still owes the additional $9,000 – and the dispute process is a lengthy legal joke! Also, be aware of the $1,000,000 max lifetime payout! ANYTHING catastrophic health wise that puts you in the hospital can eat up $1M very quickly. You can loose your lifesavings, your home – everything – very quickly! The monthly premiums are not much lower than you will pay for a legitimate healthcare plan that has no lifetime or “per event” maximum. OneShare Health is a terrible plan, even for young healthy people – car accidents and catastrophic incidents/ illness can happen at any age. I normally don’t write reviews, but the message needs to get out. Please do yourself a favor – don’t be fooled by a healthcare advisor when you are shopping for coverage! Pay a little more for legitimate healthcare coverage!

I’ve read on other reviews of phone numbers given and are non-working numbers. In the last month, I have been given 3 different numbers and none of them work. One is for supervisor, KeKe Dorsey. Also, the fax number for the pre-notification department does not work.

The best yet, is when you are asked to leave a call back number. It says to press 1 and your nine digit phone number. A phone number is 10 digits. So, if you’re waiting for a call back, it won’t happen because they don’t have the 10th number of your phone number. This was shocking to me and just one more thing to add to my website. Visit it a onesharehealthreviews.com. It is in the building stage. I have to figure out how to upload all of the calls that I have recorded.

This has got to be a scam. All of my claims are being denied. I have no pre-existing conditions. I call 2-3 times a week and get different excuses each time. I have the majority of the calls recorded and will be sharing them soon, with my experience dealing with OneShare on onesharehealthreviews.com. (I purchased the domain name so I can get the word out). I’m still waiting for Supervisor, Ms. Dorsey, to call me. She must be exhausted since she has been in a meeting for over a month.

Do not get this they will not cover anything because they use the excuse that you get hurt or sick because it is preexisting or you were destined to get sick or hurt. it is always your fault for what happens to you. I did have a pre-existing condition I did not ask for any help(Diabetes type 2) with I took care of the doctor visits for that. I got sick and went to The Hospital and found out that I was diagnosed with an Extremely aggressive Lung disease. Within 1 month I was placed on oxygen (never had issues before) and within 2 months was in a wheel chair and unable to walk more than 60 feet. OneShare Has not paid anything for the Hospital, Doctor or oxygen I needed. as of today they say all was Pre-existing because I was predestined to get this disease? Then Why did we pay to get help? OneShare is not Christian based as they state and do not cover any thing. I have called multiple times and the ladies on the other end treat and respect me well, but when I ask for a supervisor I’ve only had 1 time out of 3 times requesting. This has now been in review for just a year now and I have been put on disability due to not being able to work any more. I have not asked to pay the Endocrinologist or for any of my diabetic medications. I have my Diabetes under control and it was not the cause of the Lung disease. I also never contacted Covid or been sick prior to last year when this hit. If I could give a negative star I would. The people that answer the Phone are great and treat well ( would give them a 5 star), it is the upper management to keep pushing off what they need to Do and I know that they hope that I will stop calling every month to get this resolved. One day I shall pass and The upper management possibly hope I do so they don’t have to do what I signed up for. So remember everything in the future is pre-existing because God for knew it would be and that is why they don’t pay.

NOT WORTH IT AT ALL. You are better off just paying for fines for being uninsured. They do not cover ANY claims (primary care visits or dermatology etc). Their review process has insane red tape seemingly designed to exhaust you into just paying the unpaid claims.

I am young and healthy and figured there was less downside to going this route. Wow I was wrong. Whatever you pay in slightly lower premiums you will lose after 1-3 claims.

As I said, not worth it at all. Literally be uninsured instead of going this route.

I have left it now, but OneShare was flatly awful. Awful coverage, awful at paying claims, slow (to the point one can only presume it was absolutely intended) to address any issue, communication was nearly nonexistent and relied completely on me to initiate, even after months and months of waiting for simply questions to be answered. Forget getting an Rx filled… no one can figure it out. And if you have EVER seen a doctor and complained about a single thing, you have a pre-existing condition by their standard and coverage will be denied. Dispute the claim and you stand in line for eternity while they repeatedly (multiple multiple multiple times) ping your care providers for information that was forwarded on the first request. Stay very clear.

Delay,delay, delay!! Constantly told Oneshare has not received the medical records ( pre-existing cond ) paperwork from the hospital and doctors who treated me, excuse….$75,0000.00!
I am getting calls from bill collectors already…

It has been 8 months since my hospital stay and other doctor follow ups afterwords. No bills paid ( so far ), only constant delays saying Oneshare is waiting for ALL pre-existing medical records from each doctor/hospital who treated me, to be summited to Oneshare. Oneshare customer service told me they will NOT pay any of my medical claims until they receive EVERY single medical record! What?! So this company puts all the rest of my medical bill claims on hold until all the other medical record paperwork claims are in from other doctors and hospitals? I have called Oneshare customer service many, many, many times and get different answers/information. I was told they received the medical records paperwork from all but 1 of the claims, then only to find out, a month later, they only received paperwork from 1 claim and not any of the other doctors/hospital. It has been so back and forth on all these medical record paperwork needed to pay all the claims!!
I have been with this Oneshare program since Jan 2021, paid their high premiums for the $5k deductible and the rest is to be covered by Oneshare. I have never experienced a health insurance company like this, my claims have always been paid as they go with other health insurance companies I have had. As far as pre-existing cond, One share has had my “request for sharing of medical expenses ” paperwork of mine I signed since Feb 2022 for review that was sent to them by my physician several times, supposedly that they still haven’t received from my physician who has sent them my info!
Their customer service people are very nice, but that doesn’t make up for the constant delay and excuses to delay payments!

I became a self-employed consultant after the IT company downsized in 2017. I searched for affordable healthcare and was contacted by dozens of consultants. Before my Cobra coverage ran out I signed up with OneShare Health. On my 4th month after signing, I had intense back pains I called OneShare and spoke with consultant who approved my visit to any doctor in the network for treatment. I went through their Website for doctors in their network directory. There were several doctors in my zip code and I picked one that had great reviews and within 2 miles. I called the MD office and since I was new, they asked for my insurance policy. They emailed a financial responsibility form and I was to sign the document and bring it in on my first visit.

On the appointed time I was in the MD office and was old by the receptionist that they had not received confirmation from OneShare Health for my treatment but they would continue calling. We went ahead with consultation and treatment because I had received approval for treatment on my call to OneShare Health. Two days later, the doctor called to say that she personally called OneShare and was told that OneShare had not approved my treatment so OneShare would not pay for the visit. I called OneShare and it was confirmed I had called for treatment and was approved but the MD was not in their network so they would not pay the bill.

I asked why they advertise the MD in the network directory and was told that perhaps the MD was recently removed from the network. I remembered the MD had never heard of OneShare Health before and had no paperwork from OneShare to be on their network.

The next day, I called OneShare Customer, again to argue my case, and was told that OneShare would not cover the MD visit since the MD was out of network. I asked why her name was listed in the directory and again I was told that perhaps she was no longer in the network but the digital directory was not updated yet. F

I work in IT since the 80s and have experience with software and Web management. It is a simple case of a resource to run a script to remove a list of MDs that is no longer on the network or to add new MDs. Does not require a full fledge Webmaster or DBA to update the directory. OneShare did not do that. Perhaps it was oversight or perhaps if they did that then their network of doctors would be zero and would not be good for their marketing.

After hours of going around in circles I started realizing I might have been stupid and fallen into a scam so I call the State Insurance Commissioner’s office and was told that OneShare was barred from doing business in Washington State (along with several other states) because of similar complaints. On the same call, I was told that OneShare also does business with another name, Trinity and both are sold by Aliera Healthcare Inc.

Here are links to the case against Aliera and OneHealth Care.

https://www.seattletimes.com/seattle-news/health/patients-tell-their-stories-as-washington-state-orders-sham-health-care-sharing-ministries-to-halt/

https://www.einnews.com/pr_news/535350546/kreidler-fines-oneshare-health-llc-150-000-for-selling-illegal-insurance

It is unfathomable that even if they are found guilty they are fined $150,000 but in the mean time they have siphoned millions from the average person who trusted their sales pitch. This is white collar theft and those unconscionable Christian and business conduct.

Do your own search online and PLEASE do not fall victim to Faith-Based Ministry health plans. I was lucky to get away with less than $600 in bills. You might not be as lucky. Now I under Medicare so I am less worried about being scammed for medical insurance.

I have been a member of OneShare health since March, 2020. I am very pleased with the service over the past two years. I love the 24 hour medical treatment app option and have used it several times. Any time that I have reached out to OneShare for assistance, the customer service has been amazing!!! I would highly recommend OneShare health as an alternative to traditional health insurance. Because of the affordable monthly contributions to the program, I have had the opportunity to early semi-retire.

My wife and I were OneShare Health members in 2021 and paid over $7,500 in total monthly contributions throughout the year. During the year we submitted two “sharing requests” (they don’t call them “claims” because this technically isn’t insurance): $362 for two Shingles vaccines received at CVS; and $470 for a visit to an orthopedic specialist with knee x-rays. Both expenses are shown to be “covered” expenses in the OSH documentation we received when we signed up. The former request for reimbursement was submitted June 1st, 2021 and the latter was submitted by the orthopedic office in September, 2021. It is now May 2022 and neither of these requests have been paid. The run-around we have received from OneShare Health while trying to follow up on these requests has been truly appalling. All communication from OSH is done through snail mail, and their internal file record-keeping is horrendous. Shingles Vaccine Request: CVS provides hundreds of vaccine shots every day but does not provide the “procedure codes” that OSH apparently needs. This has stymied OSH representatives, because after 11 months they have been unable to process the reimbursement request. After contacting OSH countless times over this period, we were finally able to get a “resolution manager” to call back (yes, a real outgoing phone call!). Whether or not she is able to loosen the logjam, only MORE time will tell. Ortho Request: We received an ”Explanation of Sharing” letter a month after the ortho submitted the $470 (we received no such letter regarding the Shingrex vaccine). The letter showed $0.00 shared by the program, and in the remarks section it said they needed an “accident letter” from me and “complete medical records” from the doctor. I promptly submitted both to the member services email address after talking with a representative. After receiving a letter from the ortho saying the bill still hadn’t been paid, I followed up with OSH and learned that “a case hadn’t been submitted”. So now a case is submitted almost 6 months after the ortho visit, and I am told that it can take 30-60 days to be processed. BOTTOM LINE: I would recommend STAY AWAY from OneShare Health unless you have nothing else to do with your time than to follow up on sharing requests. I wish I had found this review site before I signed up with OSH and would have steered clear. It’s the principle, not the money… I’m lucky I retired early and have some time to make sure they do the right thing. Others might not be so “lucky”.

One Share Health is the WORST company with which I have ever been associated with regard to health care. Every time a claim is turned in it is rejected for one reason or another, i.e. the medical facility filed too late, your deductible has not been met (when it actually has), or the diagnosis is a pre-existing condition ( when it was not). Then you have to file an appeal every time which is supposed to take 30-60 days for a resolution and inevitably you have to call back (when you aren’t placed on hold for almost an hour) to check on the appeal for3-5 MONTHS before the case is reviewed. In a few instances we were able to win our appeal where they FINALLY agreed the diagnosis was NOT pre-existing, but they then denied payment for other treatments relating to that same approved diagnosis Of course, we had to file an appeal for each of those claims as well. They turn down so many legitimate claims and require so many appeals on purpose so it is difficult for a sane person to keep track of the progress on all of the claims. Meanwhile the hospitals, doctors, etc. threaten you with collection agencies unless you pay them the amount owed. We are still trying to resolve legitimate issues from TWO YEARS AGO.

DO NOT GET INVOLVED WITH THIS COMPANY! THIS WAS THE WORST DECISION I HAVE EVER MADE1

My family was paying a very large sum for health insurance before we finally had enough. Spoke with the folks at Oneshare and they were great! I’ve been on the plan for about a year now and I’ve been well taken care of. Their customer service team rocks. Thank you Oneshare!

I have been trying to get an answer for a pre existing review answered since 5/10/21. I have made over 12 phone calls and there is still no answer to my review. I have asked a supervisor to contact me, me with no call back. I need some kind of resolution to this case!!!!! Could someone please contact me that can help resolve this case #00114441.

Went into an approved hospital for an emergency (thought I had kidney stones or Gall Bladder issues). Called Oneshare first to make sure this local hospital was in network and it was according to the concierge. Went in and they had to run a scan on me which cost over $27K. Received the bill a while later for a total of $42K after all was said and done.

Oneshare gave me and the hospital the run around for over a year until they (Oneshare) determined that “it wasn’t an emergency” and they weren’t going to pay anything. Luckily I’m low income so the hospital ate the bill once I sent them my 1040 to prove it (basically a charity case).

I would not have went into the hospital unless Oneshare said it was ok to do so–which they did. I am grateful the hospital took mercy on me and I quit Oneshare immediately. They are a scam pure and simple!!! Don’t give them a dime.

If you live in a state that penalizes you for not having insurance; just pay the penalty instead of getting this. It’s cheaper by a long shot. You still have nothing, but you pay less for the nothing if you get my drift (~$66/month vs ~$300/month).

I was a member of One Share for the year of 2021. If you do not need anything other than routine primary care the plan (in my case Classic Enhanced) you can get by with this plan. Anything else beware! Specialist visits are not covered and pre-existing conditions have a 24 month waiting period.
The first time I went to my primary care the billing person spent almost 45 minutes waiting for an approval.
Getting straight answers from support is also an effort. Long waits on calls or sometimes lack of response to on-line messaging.
My advice, go to healthcare.gov. Eligibility has changed with the gov. rules..

This plan seems like a good idea, but in practice it’s not going well. I am a new member and joined because I saw that they had providers in my area. However, after attempting to reach those providers and make an appointment I discovered that the provider list is “maintained” by the providers – or not. One providers’ phone just gives a busy signal all the time. Another provider (with an address 2 miles from my home and a local phone #) stated they are only in New Jersey. I’m in Texas so that presents an obvious problem. So I called customer service. Completely useless, unless you’re calling to give them money. They will tell you in no uncertain terms that they have NO ACCURATE RECORD of who their providers are, you’ll have to cull through the list in your free time and do their job for them…

I’m giving one star for efficiently collecting your “dues.”

Here are the facts – Monthly rate is inexpensive, true. However a Ministry? In the last year I was able to speak to someone on the phone three times. I can’t tell you how many times I called. Only my wife and I are insured. This year COVID, Kidney stones and hearing aids. Total out of pocket for my OneShare monthly fee and medical bills, I am out of pocket for over $27,000. Just to be conservative, OneShare has paid out under $1000. I needed hearing aids in July. I have been trying to get information for my hearing aid bills since August. Today December 29, 2021 I finally got someone on the phone. OSH will not be paying anything. So, a ministry. I don’t think so. A brother would not have to wait five months for a response to be told; “OSH does not cover hearing aids.” Although their program says they do. Hence EPIC hearing. Christian ethics is stretch for this company. One must be a good steward of finances. I dropped OSH as of today.

I started considering sharing health programs in July of 2021 and signed up in October 2021 because of new leadership. I read lots of reviews on multiple sharing programs and was hesitant to try one initially since all of them had a good amount of unhappy customers. Then I started reading the positive reviews instead of only focusing on the negative ones and called in to the tops 3 (Christian Health Sharing, OneShare Health, and Zion according to what I was looking for) for my needs as a 30 something newlywed. Only OneShare answered my questions. Twice I had questions for two member support people that couldn’t answer my questions and both times, I was forwarded to the supervisor who answered my questions and also explained that the company is under new leadership and they are very committed to customer service and satisfaction. We’ve used our plan several times already and are very happy so far. The only reason I didn’t give 5 stars is because I haven’t had it very long but I plan to update my review at the end of my first year. I really recommend the OneShare team. So far they have been amazing.

100% SCAM. For being a “Christian based” program. This is absolute garbage. My family was on it for over a year and they would not cover one single thing. They should be ashamed and I hope that it gets shut down. How many hundreds of thousands have they received and not given back? I hope all of these one star reviews detours a family from joining. I should have looked into it further before believing this. The best thing they have going for them is how easy it is to sign up. Other then that it’s worthless! Please anyone who reads this do yourself a favor and keep shopping for a REAL insurance company.

I can’t believe I fell for this Christian program. I see they have lawsuits galore already. Time after time, I wait on hold and get the run around from happy people on the phone. They promise a call back and I’ve never received. I even told the last supervisor, Callie, that I have left messages for her to call back snd she never does. She promised a phone call with an update either way after we last spoke within three days. It’s been 3 weeks. I followed up with multiple messages. Ive been duped. This company has to be shutdown soon. Disgusting.

A scam. Anything over a certain amount requires a medical history over patient’s last several years. The scam comes as they “don’t receive” the information and patient is still liable. Pretty easy for them not to receive it because without medical history to pay. Oh and the cherry on top, a 3 year medical history was requested on my 4 month old daughter for RSV. These guys are full of lawsuits and should be ashamed to hide behind Christianity. Lesson learned.

I am a small business owner with a family of four. I have been a member for just under a year. We have used this program several times now without any issues at all. The enrollment process was very easy thanks to Alex and Michelle. They were very knowledgeable and very transparent about what would and would not be covered. Thank the Lord we are all in good health and have only had to use it for non urgent or catastrophic things but we have been very happy so far. My wife loves the Telehealth service because of the convenience. Also, she was curious about what type of charity they provide to the community so she called in last week and they told her they have adopted multiple families this holiday season that have had to flee domestic violence in their home. We called to check and it was confirmed by the charity. They couldn’t say enough about the generous donation from OneShare. It made my wife feel so good to know that someone has built a company that not only gives us an alternative way to cover our healthcare expenses as small business owners as well as a way to contribute to giving back to the community. For us it has made a huge and positive difference.

Overall, I am a healthy person who was looking for a low-cost healthcare alternative during open enrollment. I found the OneShare enrollment specialist to be honest, upfront, and very detailed in explaining the pros and cons of the programs. I chose the appropriate plan and they have not disappointed.

This is a terrible, not user friendly organization. Do not sign up for this.
They cover literally nothing. The people who answer the phones are not agents. They put one on hold for ages, and then promise but never deliver. I have had nothing but trouble with OneShare.

HORRIBLE

0 Stars!!!!! DO NOT WHATSOEVER choose this awful BS program to assist you with healthcare. This company has taken out my $360 every month YET NOT covered a dime since JAN 2021 and it’s NOV 2021. There was a glitch from the hospital I was in amd the hospital has called RAVIN Williams numerous times telling her they changed the code because it was wrong and they mixed up the code with someone else, even the director of Advent Health called her and nope she won’t get my things paid. I’m having to retain a lawyer because this company who is suppose to have morals being a ministry owned company is literally stealing my money and leaving me with thousands and thousands and thousands of medical bills when I am a healthy 38 yr old! It is unbelievable also trying to get RAVIN to call me back. I leave messages after messages and it’s almost the end of the Year and everything I have paid and all of the thousands of dollars in bills is good for what when u have no idea if they’re gonna fix anything and then I will have met my ridiculous $5,000 “deductible” or whatever they call it. Again, RUN…. This company should be shut down!! Don’t fall for it like my stylists friends and I did! There are actual independent companies out there now. Call farmers!

I was a oneshare member for about two years. I really liked that their mission appeared to be Christian and they wanted to provide assistance for medical bills in a health sharing ministry. The pros: They are about $100 month cheaper than medical insurance. The customer reps are always very pleasant and nice. You can usually get someone on the phone within 10-15 minutes or less. They do pay for medication and visits with your primary care doctor pretty easily. The Cons: Everything else! Getting lab bills paid has been a nightmare. That may be because Quest labs billing service does not seem to know where to send the claims to oneshare. And oneshare hasn’t addressed this issue with Quest labs and ensured that claims can be submitted to them correctly. Oneshare paid some and others were denied due to the lab not timely filing. But instead of telling Quest labs that they will have to accept that they won’t be paid, oneshare informed Quest to pursue me for payment. I am appealing the unpaid claims to Quest labs. How can I be held responsible for claims not being sent in a timely manner from a laboratory service??? I sent in the appeal form in April 2021. Today is 11/19/21 and I still haven’t received a response. I have called 4 times (once a month) and the last time I called on 10/26 I was told they were putting in an “escalation request” on case #….4297 and would respond within 7-10 days. I called today and was on the phone with a supervisor named Ana. She had no idea what she was doing as she was reviewing all kinds of details when my call was to find out the status of the escalation request. When she put me on hold the phone disconnected and although she had my call back number she never called me back. I also have a case #….8195 for claims from August 2020. They claimed that they never received medical records from the hospital to process the claim. Instead of them calling the hospital and getting the records, I had to call the hospital numerous times and ensure that everything was faxed. The medical records were sent in July 2021. Since then the claims have just been “in process” with no update. Meanwhile I have credit collection agencies calling me because the claims were never paid by oneshare and are still “pending’. I spoke with another supervisor now (Callie) and she stated she will follow up with the status and call me next week. I wouldn’t be surprised if we go into 2022 and this is still not resolved. I truly regret not having paid the extra money and just paying for traditional health insurance. I’ve had health insurance since March 2021 so I’m no longer with oneshare. The insurance has their own issues but claims are getting paid quickly and that includes medical appointments and lab services….

Horrible experience. It’s a complete scam. They don’t pay for what they say they will. No one knows ANYTHING when you call with questions. They flat out lie about documents that they have/haven’t received. They send out ID cards with the wrong address for medical bills on them. Read the fine print, they have a way out of almost everything. This company single handedly ruined my relationship with Christ. I don’t know what I believe anymore.

They don’t pay for what they say they will. They constantly jerk you around when wanting answers as to why. Make you submit the same forms over and over again. No one knows anything when you call with questions. They flat out lie about documents they have/haven’t received, conversations that they have/haven’t had. I wish I could leave them less than one star.

I really wish I could give OneShare Health a better review, because in principle, it sounds like such a great program. I rarely write reviews but after such a bad experience with them, I am praying this will help some family from carrying a big load of financial burden. After experiencing some new health challenges and getting medical attention for it, we were told (months later) that ZERO of my costs were covered due to a “pre-existing condition” I sought help many times to understand where the pre-existing condition came from, but I did not get clear answers. In the end, we are paying almost $10,000 of medical debt (this is after months of phone calls, appeal letters and disputes, none of which were granted) We paid for a premium account, and did not get the coverage we were told we would. I would avoid this program at all cost. I am so sorry to have to write this review.

I am updating my review for OneShare Health. I had said they covered nothing, but they have actually now paid us $5000 for our pregnancy, which they had previously labeled a pre-existing condition. I am still only giving them 1 star, because they are extremely difficult to work with, make you wait on the phone, then take you in circles on the phone, and generally make life miserable for you. And I know this is not an isolated incident – it’s happening to a lot of people. I believe we are fortunate to have received anything at all from them. Instead of reaching out to you, they wait for you to put pressure on them. When we first saw they were labeling our pregnancy as a pre-existing condition, we called and were told they would look into it. Only after several months did we realize they were not resolving it and so we opened a dispute. I am very doubtful I would have received any money had I not called them repeatedly and pressed them with logical arguments. I even had 2 different people give me 2 opposite answers in one day regarding our dispute! Notice they say there is no guarantee you will receive any money. So listen to what they say, and stay away from this company. Somebody is out to make money, not help believers. Certainly not a (true) Christian company.

This is a horrible company. Poor customer service and extremely high monthly rates, deductibles and co-pays, this is just the small things. When I actually needed them for an in and out procedure in 2020 (not related to covid) they denied payment saying I was out of network. The doctors office said they were given authorization prior and I also called to confirm prior. I paid $1,500.00 on the day of procedure to meet my $5,000 deductible. After months of going rounds between them and the doctors office they then said I was in network but needed to do a background check for pre existing conditions. (again) when that was taken care of they went back to out of network. They are trying to stick me with over $35,000.00 which is now in collections and dropped my credit score. And we all continue to go back and forth. The worse part is they claim to be a Christian company. Ha Ha HA. Wish I had the space to tell you more. Do not trust this company. They take your money and provide no service. I was pay 590.00 a month for me and my 19 year old daughter along with co-pays etc. I am now with Anthem for 1/2 the price. Do your homework. Its a crime what companies get away with.

The Preauthorization Staff was excellent in explaining what is and is not necessary. I feel more confident because of their straightforward and simplistic way of teaching me about the process that I can be successful when using my insurance when I need it most.

I left one Health share and went to a normal Insurance company. And after hearing time and time again that sharing healthshare programs don’t work that your medical bills don’t get paid I was real surprised when my medical insurance really paid nothing compared to what one share paid was amazing to me so I came back to one share health.

My daughter dropped her coverage of traditional insurance when she went to work for a chapter of a Christian organization in Houston. They offered their employees this instead. It was all very confusing but she felt she had no choice. Signed up and paid the premiums then in November and December of 2020 had three ER needs all headache related. Bottom line is One Share paid nothing and obfuscated with not answering calls, sending her back to providers, notions about miscodings. After final appeal to which their response invoked a condition that the ER visits were tests for which is nonsense, she has $7000 of bills. Going to arbitration is a costly process, not affordable. This company needs to be sued. Nothing more than theft in the name of God. Look at all the BBB complaints. Soon filing complaint with TX AG office.

Notice that everyone who leaves a 5 star review has only signed up, they didn’t actually get anything coved by One Share. I was had by them – paid almost $4000 in premiums, realize too late they cover nothing during the first 90 days, then they make baseless excuses to cover nothing after that. You spend hours on the phone getting nowhere with them. ONESHARE IS A SCAM – ABSOLUTELY NOTHING CHRISTIAN ABOUT THEM. STAY FAR AWAY FROM IT

Terrible health “insurance.” They paid for a large preventative care bill and a year later they took back the entire payment. The representative told me they paid it in full and didn’t know why they would take it back. I’m having to pay the entire bill a year later. Submitting claims and having them pay for things that are supposed to be covered in your policy is so slow or never happens. Would not recommend.

I’m very disheartened that they didn’t do more for us.. I had to fight with them to pay stuff after my husband suffered from covid and was very sick..then to try and call them well you might as well be calling the president.. very disappointed..

We have always had corporate insurance with my husbands job. He retired in Dec. which meant we had to find some insurance for me. OneShare stood out to us because it is Christian based & we are believers in Jesus Christ. We are on a fixed income now with my husband retiring & OneShare was the most affordable for us. The representative was most helpful & very kind. God bless.

One share has helped me through my health journey. I have been diagnosed with cancer and my surgeon and the hospital has been able to work with them since Onshare partners with First Health network. I would not change my health coverage with any program out there. Thank you one share!

We are very fortunate we found OneShare Health that share our beliefs. God cannot be everywhere and this is why God sent a few angels to help people. Our representative was one of them. She explained everything and answered all our questions. What is very important is that she was not a doctor and she was patient. She was listening to us. She addressed all our concerns, because she is very knowledgeable and she has extremely high IQ. A real Angel.

To start Sagan did an excellent job for us! The health care costs have continued to rise over the last 6 years over $1,100 to a point we could no longer afford it. I don’t know too many people that can afford $1,500 a month for health insurance. We didn’t know what to do and we’re desperately searching for another solution for health insurance. Since that was going nowhere we were looking for alternative options. We had a doctor appointment the other day one of the nurses recommended looking into a Heath share plan. After a little research we found One share health. The application process was fast and easy it looks like a great alternative for us at this point in our lives. Thanks to everyone at One Share Health for giving us an option for our health care needs.

We had a claim from the ER for $1,700, and received $0 from Oneshare- Health, even though the “policy” stated that we would only have to pay $500. Got pushed around with explanations about incorrect codes, and received no help. Finally canceled our subscription and got on Obamacare which is much more expensive, but at least you actually get some stuff reimbursed.

My enrollment specialist was absolutely amazing. She was able to answer all of my questions, explain how OneShare works very clearly. The sign up process was painless and simple!! So far very pleased, especially since the plan I signed up for cost less than the rate I was paying for standard healthcare, with more coverage and cheaper doctor/emergency room visit fees.

Starrett, the representative that helped me decide to choose OneShare Health, was extremely helpful, patient, and did an excellent job explaining how your program works. His calm, friendly demeanor helped give me the confidence that OneShare Health would be an easy organization to work with for my health care needs. Thank you Starrett!

Great conversation with representative Katie W. I am a 60 yr old male who was in need of a plan that was not too expensive based on my high blood pressure as well as being a little overweight. She directed me to an affordable plan that will help me in the future. The signup and advice were straight forward and not as confusing as I thought it would be. Katie was great to work with and made sure I understood what they offered. She also took the time I needed to make a sound decision. I look forward to a future with OneShare and advise others to call today!

Jo Cuda was extremely helpful and knowledgeable. Was the most pleasant person I’ve ever dealt with over the phone. Hopefully the rest of my experiences dealing with OneShare Health will be as pleasant and informative as it was with Jo. Thanks!!!

My wife and I both spoke with Donita, multiple times( my wife and I are the most organized) and she never skipped a beat. She had all the information we needed, and was able to delivery it to both of us on separate occasions. It was SO simple! Was the best decision my wife and I have made in a long time! Definitely recommend, and ask for Donita, she was so very helpful!

A friend has been with oneshare for years , loves it and told me about it. Didn’t fully realize why health care for the masses is so expensive until he enlightened me about drug addiction,abortion,and all the things society demands .None of which fall into a life guided by our Lord Jesus Christ !

We’ve been waiting over a year for payment on a pre-approved procedure. The pre-approval took six months, and now the payment has taken over a year with no end in sight and our credit is now in jeopardy. Its a struggle to get any kind of payment from them. If you want a dependable partner that holds up their end of the deal, I’d stay far away from OneShare.

OneShare person that help me and I’m so sorry I cannot remember his name was amazing he walked me through everything explain the entire program I have already sent three people to them. I appreciate them and I’m so thankful I have not had any kind of insurance for four years! I’m also so thankful I don’t have to involve the government with this program.

It is a scam. We took out a membership with max out of pocket individual of 1k and family 3k which until we had actual medical situation was in place. Then they tried to switch us to a new plan without consent with much higher out of pocket. My musical bill is less than I pay in premiums and they try to get out of every dime. Hours upon hours on the phone. Incompetent people, NEVER EVER sign up with this scam! I still have 7 k of bills they won’t cover ! Rubbish, jail is to good for them.

My husband and I had questions about OneShare and we were very happy we got to speak to Guadalupe, she was very knowledgeable and answered each and every one of our questions with a smile (I could hear here smiling) She explained everything in great detail and we feel very confident in our choice to enroll and are looking forward to this new path.

Austin was such a great help. I am appreciative for all the help he gave me navigating the difficult process of choosing a sharing service. He was very patient and thoughtful with my questions. He was prompt in his response. As well as a reliable source of information. I am so grateful for Austin’s meticulous help.

While I have not yet used my new coverage, I was extremely impressed by how clear in communication, helpful, and kind the agent (Jennifer) who helped me was, as well as how straightforward the options themselves were. Very optimistic that this will be a good fit for my needs, and looking forward to the plan going into effect!

My initial experience with the customer service representative, Nicole, was great. She communicated well and was very kind. I did not have to wait, but got a real person right away. Since we do not have many medical needs at this time, we were able to choose a plan that will save us $200 a month.

Several areas in the cost sharing program drew me to my decision. 1. The providers that can be used with the plan. Lots of choices, 2. Overall coverage that could be shareable after sharing amount is met. 3. several PCP visits that will be included with a $20 visit. 4. The out of country coverage. 4. Cost is affordable 5. Knowledgeable customer service answered my questions and we met several times before I made my decision.

OneShare is, quite simply, a terrible choice. I used it for four months – please do NOT sign up, even though the premiums are way lower than others. Nothing gets reimbursed. Nothing – not even legitimate checkups. My doctor submitted bills for my checkups FOUR times and then 9 months later, I got a call and they said they weren’t paid. They were told to submit it again. OneShare declined payment, saying it was too late. Very Shady. I also spoke with a OneShare rep before seeing a dermatologist. He said, “Yup, you’re all set; you’re covered in your plan.” Guess what? No, I wasn’t. I had to pay the entire out of pocket. It’s a scam, as much as I hate to use that word.

This company or whatever this is is very misleading. While trying to find insurance for the first time on my own the broker relayed me to this one. He did not explain it was not an insurance I was not aware until they got my payment. The broker also told me i would get a full refund if not satisfied. When I told that while trying to cancel the lady with one share said they changed that policy recently and kept referring to the fine print even though i was misleaded by the broker she said well we told them to stop saying that. I wouldnt sign up for this unless you know exactly wht you are getting.

Worst possible company around. After sending my bill into them three separate occasions they never emailed me, called me, or even acknowledged me. I was paying around $250 a month and the one bill I actually in the year I was paying Oneshare was $400 and they didn’t even reply to me. Eventually the hospital sent me to collections which really pissed me off. I wrote an angry email to them and told them I wanted my policy cancelled. They never wrote me back or even apologized for what they’ve done. I called them a week later to make sure my policy was cancelled and it was. just Doesn’t seem like they care at all.

Don’t go with this company, my daughter went to the ER and we faxed the bills once we received them. We had this plan since Aug/2020 we called in Sep/2020 to see how the processing is going, the person said it’s still pending and we still have to wait. The average time to wait for a bill to be approved or denied is 30-60days. We called in Oct/2020 they said they never received the fax of the bills and the paperwork. Then they started to blame my husband and I that we never submitted the paperwork. We haven’t used any of the services, we tried to ask for a refund because we have paid almost $2,000.00 the ER bill and Paramedic bill is $3,000. I’m most even sure if they will approve it. So don’t waste your money, we had to do the paperwork ourselves and fax everything ourselves as well. It’s just too much work and this plan is way too expensive for what the offer.

I subscribed to OneShare Health, LLC and was provided their Guidebook for services covered under the plan. I even called their customer service to verify that service for acupuncture was covered and was told it was covered, after they verified my policy. But after practitioner submitted the bill I was told it was not covered by their concierge service. It specifically stated services were covered in the printed Guidebook and online, including the online search for providers.
After 3 full days on the phone with OneShare of several people saying it was covered and conciege service saying it is not covered I had to give up. I paid for the bill and filed complaint with state insurance commissioner’s office and found out that OneShare had a cease and decease order from doing business in the state. I then searched legal representation and now gathering people in Washington state who have had issues with OneShare misrepresenting their health insurance.

Horrible coverage. Preventative care for a mammogram costs almost $1000 – even though they advertise coverage. No help from OneShare period. Can’t get through to customer service to talk with someone. Probably cheaper with no insurance at their $500/mo charge to us just to have zero coverage.

Many of you are reading these reviews bc you have no idea what a health sharing ministry is. I was in the same boat not long ago!!! One year later, and I think I’ve got my elevator pitch down. I joined OneShare Health after my parents had to take me off their insurance plan (Thanks, Obama lol). I was miffed at first because I knew I couldn’t afford health insurance on a server’s salary. Did some digging about a month before my parents had to cut ties and found OneShare Health. I’m on their catastrophic program, paying around $115 a month, and I’m pleased with the services I get so far. I’m young and relatively healthy so I didn’t need anything more than the basics. THANK YOU ONESHARE HEALTH FOR HELPING THIS MILLENIAL.

OneShare Health has been amazing to work with! I had been searching for an affordable health care for myself and found out about health sharingg, which honestly makes me feel great knowing that my dollars go toward other’s needs. Signing-up was easy and their team walked me through every step and answered every question.

Great service and very nice people. I was feeling uneasy but OneShare was able to help explain my options, walk me thru the process, and get me signed-up right away once I was sure so that I could feel secure again. I havent used any services yet, so 4 stars for now but they are EASY to work with.

OneShare Health has been my family’s saving grace – literally – for the past five months. We joined after my husband was furloughed (and later terminated) from his job due to COVID-19, and I’ve been a stay-at-home mom since my son was born. We knew we still needed health insurance for our family, but we also couldn’t afford the monthly payments. Since living without health care was not an option, my husband and I began looking for low-cost alternatives for families in our situation. We found OneShare Health after a friend recommended looking into health shares, which we’d never heard of until recently. I’ll admit, my husband and I were VERY skeptical at first, especially when we found out that our contributions were going to be ‘shared’ amongst other members (couldn’t really wrap our brains around that). But, boy, did OneShare prove us wrong when it counted most. We ended up having to make an ER visit one night and have since scheduled two follow-ups with a specialist (my daughter is an athlete; I’m sure others of you can relate). OneShare Health really came through when it was time to pay these bills, and I’m a little ashamed that I was so wary of the whole sharing concept because I was able to view how many Members contributed to my daughter’s medical expenses. Health care sharing has been a big blessing for me and my family, and, honestly, we will not be switching back to insurance once my husband finds work again.

I had One Share Health for almost a year. I wanted to make this work for me. I was paying over $400 a month for my policy. This “Christian ” Ministry plan is not what it they say it is. If you use the policy you will still pay a lot of money for services rendered. I was afraid to use the policy any further so I canceled it. Beware if you purchase this policy

As a Christian and a consumer I cannot tell you what a joy it was to find a solution for my wife’s Healthcare needs. I found OneShare Health Ministry to be extremely easy to work with. Working together we tailored the program to meet her unique needs at an affordable price. Personalized service with a customer engagement process not typically found when purchasing a healthcare solution. I feel very blessed that our Lord directed me to OneShare and would highly recommend it for those seeking a healthcare solution for themselves or their loved ones.

I can’t overstate this point – BEWARE!!! I read some online reviews before joining and I decided I would give it a shot anyway due to the cost savings vs. COBRA. However, it was a big mistake. I even called the OneShare support line twice before visiting my doctor. They said, “Yup it’s covered.” Three months later, I get my bill. (My wife did the same.) They said nothing was covered because I didn’t have the right plan. I explained that the support rep told me that it was. They said they would review the conversation and investigate. They never did. I then asked to whom I could write an appeal and they gave me the address. Again, no response. I called seven more times. A new rep every time, each time saying, “Sorry, it was denied.” (DUH.)

This service is largely a fraud or the employees are so poorly trained that you get false information from them. Do NOT sign up – you will be sorry. I guarantee it.

If you live in NY, STAY AWAY!!!!! It took me 10 months and umteen hours on the phone to settle a lab bill. One share health told the lab that I was not covered at the time of service (which I was), and it spiraled out of control from there. The lab blamed One share Health, One Share Health blamed the lab…that was only the beginning of my problems.

I actually was ill for two months and went to the First Health Directory to find various physicians and radiology places. Doctor after doctor that was listed, I researched, looked for recommendations, etc. only to find when I called to make an appointment that they DO NOT ACCEPT nor participate in the First Health network! Even a Doctor that their “concierge” found for me! The stress, the time, and the aggravation is not worth it. You always speak to kind, helpful people, but that does not matter if you can not get your health taken care of. They take your money, make you jump through hoops to find a decent Dr. and contract out to a network with a directory that is NOT accurate. Then they blame the network and say they are not responsible for any inaccuracies . Well who IS responsible??

Waste of money and major waste of time. Like another person wrote below me, I work in insurance as well and help people submit claims all the time. These people haven’t paid a dime on over $30k worth of services because they are still trying to determine pre-existing for my son, whom was admitted in FEBRUARY. It has been 6 months and they have paid $20 on two $37 bills and NOTHING on any actual expensive bills. Customer service will talk over you when you’re trying to speak and when you’re placed on hold, make sure you are somewhere you can get comfy because you will be on hold for a long while. My first review I am leaving online for a company, that is how upset I am with this so called “faith” based company.

This is flat out the worst sharing plan I have ever seen, and I deal with insurance and sharing plans on a regular basis, it is my job. I was in need of coverage to get me through until my new insurance kicked in. They have mixed up my claims and my husband’s claims. They have refused to pay the doctor for surgery (although they have paid the surgery facility), because they say they can not verify if it was a pre-existing condition. This information has been sent to them via email, regular mail, certified mail, and faxed by myself and my general practitioner multiple times. It’s the same run around until they get you a year out from the date of service, then they say it’s too long since the date of service, therefore we aren’t paying. STAY AWAY! We paid really high premiums for absolutely zero service.

They answer the phone and talk with you and tell you it’s all being handled and to check back a couple weeks. Well that is now over 7 months. I is a very bad experience. They wanted to do a pre-existing background check. I sent all my records they wanted going back 3 years! I have no pre-existing, I have no existing anything. I am in great health and athletic and fit. Still every 2 weeks they say they do not have all the paperwork from my Dr.’s. That is not true in month 2 I watched a fax sent to OneShare and then confirmed with them that they got it. 2 weeks later they said they still didn’t have the paperwork and I presented a fax confirmation. They then said it is done by an outside company an there is nothing to do except wait! Really!
Watch out, this is not an insurance company and they do whatever they can to not pay. And because it’s not an insurace company there is no legal recourse to take. To avoid collections and never being able to see my Dr again, I have to pay $8000 for all the tests that were done to prove I am in excellent condition. I gave one star because they answer the phone… but that’s about it.

We have been trying to get One Share to pay in invoice for almost a year – one that they pre-authorized. After spending a total of six hours on three calls with their customer service people, and having been assured that they submitted paperwork to our doctor, only to find out that they didn’t, we are now in he position of having the doctor send our invoice to creditors. Thanks OneShare. For those looking for a reliable health care partner, this is so not worth it, dont waste your time.

Worst insurance I have used. It’s expensive and doesn’t cover anything- you still get a bill and getting them to pay is next to impossible. I think they are a scam posing as a Christian insurance company. After paying for my procedure anyway, I still got an even larger bill from the Quest because they don’t cover a lot of lab work. Till date, they haven’t reimbursed me and they did the same to someone else I know. Stay away if you can.

When I got this insurance, I was quite excited. But beware, they cover little to nothing at all. My payment was $585 monthly. I went to see my doctor and she ran some test. The total bill was $1423, and they only paid $355.75 leaving me to pay $1067.25. Trust me you are better off with another insurance company, because according to them “this is not an insurance “ and even though it’s a faith based company, they don’t act like it.

I have paid into this insurance and only used it one time for a UTI test. 6 months later they paid some of it. Sent it to the wrong Doctor. I did all the leg work for them. Then they review my one and only submission only to deny it?? They said I used a specialist. Well here in my county they are all specialist. There are no GP’s anymore. Buyer beware!!!!!!!!!!!!!

I’m all for trying new things, novel services. But I asked for providers near me last week and never got a list. Now I’m asking for urgent care providers…

I call the hospitals they say they are in network with, “we’ve never heard of multiplan before”. Just been a big headache. I want to look into canceling and changing to a more common provider

We had OneShare in 2019. My husband was having chest pains and called their nurseline. They recommended the ER. We went and with no diagnosis, he got a stress test. None of this was covered. Every bill has been a fight. It’s been a horrible experience. Get real healthcare.

I have been a member of OneShare since 2018. My son and I have used it at the doctors office, urgent care when I fell on the ice and hurt my wrist, and for my son’s annual wellness checkups. We just tried the telemedicine service for the first time and really like it a lot. It’s so easy and a lot more convenient than waiting days for an appointment at the doc office. The best part is that it’s all over the phone and they can even call in your prescriptions for you to pick up. We are very happy with it!

The agents were so helpful and informative. They were very patient with my many, many questions and explained the coverage very clearly. I spent several months researching and calling and asking questions, and they never pushed me to sign up. I’m so glad to be out from under the huge premiums of the monopoly healthcare companies!!!

Exactly the plan I was looking for. I had been paying over $10K per year for over 10 years without ever filing a claim. Healthy people shouldn’t have to pay for rising monthly premiums every year with less coverage! My husband had heard about these Christian health share plans on the radio and suggested I look into them. So thankful I did! The customer service was excellent, with transparency, clarity and patience answering all my questions. My monthly cost is now exactly half of what is was with Blue Cross and has much better preventative care as well as hospitalization and catastrophic care!

I have been a member with OneShare Health since they opened in 2018. I’ve had no issues and every time I need something, their Member Support team is quick to respond. They even have a Concierge Department and Prayer Line which is great. I am a cancer survivor and it’s an amazing feeling to pay literally half the cost of traditional insurance. My family has used our membership several times already for PCP, Specialist and Preventive Services and are completely satisfied. I must say my favorite part is Telemedicine!

Awful insurance!!!!!

Had the crown plan and it covered next to nothing!!!!

Got a $3,700.00 bill pending!!!!!

Your company covers nothing, and your representatives are incompetent.

Thank God I have insurance through my employer now.

I signed up for this program. Worst mistake of my life. A third party failed to mention this is not real insurance. When i got the plan in the mail, it said it is not insurance. I called back and the rep said it was, I just enrolled outside the open enrollment period, and it would convert at that time. I grilled them on coverage. Max out of pocket 5k? Yes Under any conditions? Yes

It was all lies.

Foolishly I believed them.

I went to the ER and my bill was 20k. They have paid zero as I paid almost 400 a month in premiums.

Do not buy this insurance. Its a fraud.

Some what affordable they will also give you information to another insurance company that will take money out of your bank account without your permission if you don’t have any money in it it will overdraft your account and you have to jump through hoops to get it reversed this happened to me it took me about two to three days to get it fixed the one company refunded what was taken the other company that they gave me information to refunded the fees they caused I can say I canceled both of them