I’ve been running Healthsharing Reviews for a couple of years now and for the past couple of months, I keep hearing from more and more people praising Zion Health. I’ve heard so many good things about it lately that I decided to go ahead and put together a review and listing for Zion Health. Let’s jump right in!
The first thing I felt when I saw their website: 😍😍😍
Along with Altrua Healthshare, Zion Health has probably one of the best designs for a healthshare’s website. This may not say much to your average visitor, but to me, this tells me that they are dedicated to delivering great customer experience. And that customer experience starts with your website. So, kudos to you, Zion!
Now, let’s talk about the healthshare itself.
Below, you can find a video with an overview of what Zion Health does and how it works
All in all, Zion Health is going to be pretty similar to the rest of the healthshares. You’ll have a monthly share amount which is what you will pay each month to be a member, and then you’ll have an “Initial Unshared Amount”. The Initial Unshared Amount (IUA) is similar to Liberty’s Annual Unshared Amount. This is the amount that you will be responsible for paying out of pocket before your medical bills can be shared into Zion Health.
There are 3 different IUA’s to choose from with Zion: $1,000, $2,500, and $5,000. The IUA that you choose will heavily dictate how much your monthly share amount will be. So, let’s start talking pricing!
In my opinion, this is the only place that Zion lacks at the moment. While they do provide an online way to submit “needs requests”, it’s done on the front end of the website. Member’s don’t currently have a portal that they can sign into as most other healthshares do. However, I’ve reached out to Zion and they’ve let me know that a member portal is in the works, so I’ll have to update this section in the future!
UPDATE: I did get this update from Zion:
We are working on a member portal and this is a temporary downside as we expect to have this up and running in Q1 of 2020. What most of our members use now is allowing providers to use the information provided on the Member ID card. Providers can send “claims” by electronic means (EDI, standard in industry) or by mailing a paper claim. This actually allows our members to do less because they do not need to upload bills and allows for us to better negotiate the medical expenses for the members.
One of the biggest differentiators of Zion Health from the rest of the pack is the fact that they have different types of memberships. One thing I noticed on there site which is huge: THERE ARE NO ANNUAL CAPS. This is pretty amazing. Most healthshares will have some kind of limit per incident you have, but not Zion. Wow!
Zion’s Direct Memberships is comparable to the other healthshares and will work very similarly. There are pricing plans for Direct Memberships and the actual monthly price depends on the IUA:
If you go to Zion’s Direct Member page, you can toggle the chart above to see what the prices are like for different age groups. But, as you can see above, a single person between 18 and 29 that opts to have a $5,000 IUA would only have to pay $103 a month–that is crazy cheap!
This is where Zion really sets itself apart from the other healthshares: they offer a direct primary care membership. So, if you are a fan of direct primary care, Zion might be a great option for you!
As you can see above, the pricing for Direct Primary Care through Zion Health is pretty straight forward. A DPC membership with Zion Health includes things like discounted member prices with DPCs, access to catastrophic plans, and network freedom.
Worksite memberships are another thing that I haven’t really seen with other healthshares. Essentially, Worksite Memberships are a way for you to provide Zion Health to your entire company–this is pretty awesome!
While they share pricing for their other types of plans, I don’t seem to see anything in regards to pricing for worksite memberships. Zion has a beautiful site, but it is a bit difficult to navigate!
With worksite membership, there are probably so many different factors that would dictate the price like the number of employees, ages of employees, etc, that it would be pretty difficult to list prices on their site. So, I think it makes sense that you don’t see any. It’s best to just reach out to them if you’re interested in providing Zion to your workplace.
Signing up to Zion Health seems pretty straight forward! You can head to their website and request a member quote and someone from their team will reach out to you shortly!
You can also reach out to a Healthsharing Review rep that can help you compare different healthshares and different plans so that you find the best fit for you and your family!
Update: Turns out enrollment is even easier than I thought! I received this message from Zion as well:
Enrollment is even easier! When you sign up online, you actually sign up. No need to wait for someone to reach out or any questions if you are accepted. Everyone is accepted and when you submit your enrollment you are welcomed in. A digital ID card is sent to you by email and a welcome letter with ID card is sent by mail.
Talk to actual members