Healthsharing Reviews is not affiliated in any way with Zion HealthShare and Healthsharing Reviews does not endorse any products or services offered by Zion HealthShare nor is Healthsharing Reviews sponsored in any way by Zion HealthShare.
Zion HealthShare, based in Saint George, Utah (you know, right outside Zion National Park), was founded in 2019 as a response to the overly-exclusive nature of other healthshares. Zion was one of the earliest secular healthshares, and has grown to include members in all 50 states. Although Zion HealthShare acknowledges a higher power, they don’t require statements of faith or evidence of worship from their members. The core values of the Zion HealthShare community include living a healthy lifestyle, caring for others in the community, and avoiding harmful habits such as substance abuse. People of any faith, or no faith, are welcome to join as long as they commit to those values.
Zion is a little interesting because, depending on a few factors, Zion memberships can sometimes be combined with base health plans or direct primary care (DPC) memberships. We aren’t certain how that would change the pricing, and most people signing up for Zion HealthShare directly (e.g. not through an employer) would receive the Zion-only membership anyway, so for the sake of this review we’ll only focus on costs and plan designs for a pure Zion HealthShare membership.
With that said, we really like that Zion seems willing to work so closely with DPC clinics. The whole point of preventive care is preventing more serious health problems from showing up, so it’s great that they’re encouraging their members to use those services.
Like other healthshares, Zion HealthShare focuses on sharing bills for large, unexpected medical events. Also like other healthshares, they keep costs down by restricting which bills are eligible for sharing and limiting sharing for pre-existing conditions. However, the waiting period for sharing in those conditions is shorter than some companies’ at one year. Additionally, the allowed sharing amount for those needs increases year by year, up to a maximum of $125,00 per need. There’s one more bit of good news, too; Zion’s member guidelines are really thorough and seem to do a good job explaining which costs would, and would not, be eligible for sharing.
Again, we’re only looking at programs and pricing for people signing up directly, not through their job or DPC clinic. Per the Zion Healthshare website, “monthly rates are determined by the member’s age, household size, and chosen Initial Unshareable Amount (IUA).” Zion offers 3 age ranges: 18-29, 30-49, and 50-64. They also offer 3 IUA brackets: $1,000, $2,500, and $5,000. Individual prices range as follows, depending on the member’s age:
Here’s a more thorough overview of the top Zion HealthShare membership tier:
One thing to remember about Zion HealthShare is that members owe their IUA per-incident. Unlike a deductible, paid annually, Zion members pay their IUA multiple times (up to 3 in a membership year). This means that a member who chose a $1,000 IUA would owe up to $3,000 annually; one who chose a $5,000 IUA could pay $15,000 in a year if they were really unlucky and needed help with multiple issues during that year.
Fortunately, related costs are included as part of one need. For example, a broken arm could include sharing for the urgent care visit, setting the cast, follow-up appointments, short-term medication, and even physical therapy. With the Zion HealthShare model, all those services would be shareable under one need–the broken arm.
Zion HealthShare both reimburses members and bills providers directly. Recent reviews indicate that Zion is moving more towards reimbursement, but member comments make it seem that this is more due to providers being unwilling to work with healthshares than Zion HealthShare being unwilling to pay directly. Members should present themselves to providers as self-pay patients to get the self-pay discount, since Zion HealthShare is not insurance and doesn’t have contracted rates for facilities or providers. In fact, they don’t use a provider network at all.
Members should submit itemized bills, receipts, and all other relevant documentation to Zion HealthShare electronically.
You can apply to Zion HealthShare here.
Right now, only one major healthshare is really similar to Zion HealthShare, and that company is Sedera. Sedera also receives excellent member reviews, has no faith requirements, and can partner with base health plans and (we think) DPCs since their website includes a DPC finder. Prospective members trying to decide between the two should carefully review member guidelines to see if one might work better for their specific health needs.
Notice: As of March 1, 2022, Zion HealthShare is not accepting new members in Washington State. We’ll update when this changes.
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