Zion HealthShare

We were members of Zion Health for 2 1/2 to 3 years until this month when my job offered full benefits. We could not be happier with Zion! With all of their preventative coverages and telehealth we did not need to share any costs until recently when my husband had an unexpected medical situation. We were nervous to see if they would actually share costs like they said. Not only did they share the costs, they were kind and professional and timely! Thank you Zion Health, we will be back if the need arises again!

Zion Health has been great every single time I have interacted with them. From setting up preventative procedures to resolving charges from providers, they have been quick to provide information on how to proceed and even quicker to pay charges and resolve any issues that come up. On top of that, they are refreshingly nice to talk to every time!

My maternity share request went very smoothly. I like that we can avoid insurance and work with Zion HealthShare knowing more about what we are being charged by medical providers! They even sent me flowers after my baby was born and they were beautiful. I asked for self-pay discounts from the hospital, I love that I was part of the process to save Zion HealthShare so much money. The hospital gets paid quickly so they are happy too!

We used Zion for over 2 years while RVing with our family in the US. Zion supported us promptly for two bills (broken arm, new baby). They really were terrific. Back using employer health coverage but will keep Zion in mind if we go with a healthshare again.

My husband has been self employed for many years, what we have paid for a membership with Zion HealthShare with the benefits we have received have been fantastic. We have always had a pleasant experience talking with a live human and they have been so helpful.

The customer service has been great. A little back story I had originally signed up through an insurance broker and the charge was much higher, switching to Zion HealthShare directly has saved me so much money. Everything has been so easy here and overall my experience has been great so far the reps here do such a great job explaining the process and making everything easy.

I would like to say that my experience has been met with not only extremely friendly customer service reps but I have gotten such clear and helpful direction while summiting my share request. I have felt so supported and its made the process so easy. I also never look forward to speaking to customer service reps but with Zion HealthShare they have been amazing.

Whenever I have reached out to Zion HealthShare, the reps have always been so kind and helpful, and have guided me on the path to take care of things properly. I have had such a very pleasant experience working with Zion HealthShare, and I feel secure knowing that I am a member with them.

We have been very happy with Zion HealthShare since making the switch from another HealthShare. The customer service is excellent whenever I call for assistance they have been so kind and helpful. I feel like my family is in great hands with Zion HealthShare!

Zion HealthShare has been such an amazing blessing every time I call they pick up immediately and they communicate quickly when I send them any documents or questions I submit for my share request. Every share request we submitted has gone so smoothly and I feel like everything has been transparent and clear so I never feel I have been deceived. Every time I have submitted a share request I also get reimbursed quickly. They also offer a virtual credit card to help me pay my medical bills which has been so easy to use and my medical providers love it as well.

This is a little different than regular insurance but I am so impressed with the customer service they answer my questions so fast and are so friendly. We have five kids including one with special needs and we always have something coming up so its been awesome working with Zion HealthShare!

Zion HealthShare is amazing I’m super grateful for the customer service I always receive everyone is so kind and helpful. I have a maternity need request and they have been so great with everything. I recommend Zion HealthShare to everyone meet.

We have only been with Zion for a year or so and I am very impressed with the customer service and how fat they answer the phone and always so friendly and helpful. Zion is so fast getting me reimbursed they helped me with my maternity request and even sent me flowers after my baby was born. We are so happy with them.

Hello! Just wanted to let you know how very much I enjoyed speaking with Rebecca today- she was an absolute delight and answered my many questions with knowledge, humor and grace! Also VERY much appreciate Cameron and Kimber on the medical advocacy team!! Have had multiple experiences with them both and enjoy them so much!

Thanks again for your services!

I was having trouble getting into my portal online and had to call. I was immediately greeted with friendly and professional service to fix the problem. My husband lost his job during the 2020 lockdown and with it, all of our health benefits. We did an abundance of research regarding health sharing companies and found multiple rave reviews for ZionHealth. Even though a family member worked for another popular health sharing company, we went with Zion and have never looked back. We have been completely satisfied with all the service we have gotten and have no complaints. We also constantly recommend them to friends and acquaintances. Our membership has given us peace of mind as we get closer to retirement age.

Love that they provide a full and in depth orientation call explaining the membership you join and also leaving room for you to ask any and every question you have! They were so kind and helpful during this call and did not rush me at all! Very pleased so far with this Health Sharing program!

We have been so happy with Zion and we’re very impressed with their competent and helpful customer service. When we were first signing up with Zion, they almost seemed too good to be true. But they’ve exceeded our expectations and have been such a blessing for our family. We are recommending them to all our family and friends!

I recently retired but was still under my prior employers insurance. We were scheduled to start Zion as soon as my insurance expired in August. My wife scheduled a well woman appointment and was shocked to learn that my employer had canceled our insurance a month earlier than expected leaving us uninsured. I contacted Zion and they responded immediately activating our membership. I was so surprised how fast they responded and how easy it was to activate our membership. Thank you so much for such great service

Zion Healthshare has been an absolute blessing since I joined after retiring at the age of 63. My initial plan was to rely on Zion’s coverage until I became eligible for Medicare this November in 2023, and I must say, my experience with them has exceeded all expectations.
During a trip to Pennsylvania, I unfortunately had an accident that required a few days of hospitalization. However, Zion Healthshare proved to be a true lifesaver. The level of service I received was nothing short of exceptional. As soon as the hospital submitted the itemized bill, Zion promptly took care of all the expenses, leaving me with no financial burden or stress.
I cannot emphasize enough how delighted I am with the support I received from Zion Healthshare. Their promptness, efficiency, and genuine care for their members are commendable.
I wholeheartedly recommend Zion Healthshare to anyone seeking reliable and trustworthy healthcare coverage. Their dedication to their members is evident in every step of the way. Good job, Zion! Thank you for providing such a fantastic service and ensuring I could focus on my recovery without any worries about medical expenses.” Keith S

Zion HealthShare was amazing! I called Friday afternoon after having broken my wrist Thursday night.

I was scheduled for surgery Monday morning. I paid my IUA, and they quickly worked to put everything in place so that we wouldn’t have to front the money for the surgery.

Everyone I spoke with was patient and gracious and so very helpful. It’s comforting to know that Zion HealthShare works and we were not left alone.

Not a trustworthy group, they change the policies without notification mid contract and then expect you to foot enormous bills that you expect to be covered.
So many loop holes mean that very little is actually covered by the healthshare group and you end up in dept to the sum of tens of thousands of dollars.
Do not use.

Nothing but 5 Stars for Zion Health Share!! Been a member since November 2022, and it is so refreshing to have true customer service where a human picks up the phone, speaks good english and takes time to treat you right.

I’m so used to the run around of typical Health Insurance that can bring the strongest to tears that I keep waiting and looking for the “chink in the armor” with Zion Health Share and haven’t found it yet!!!

Great work all, with high regards.

When we first signed up, Zion was super fast at paying eligible bills (two to be exact). But with this last eligible bill (same type as other bills that were paid before), their customer service has gone from great to super sketchy, and we are heavily considering finding a new healthshare to switch to if this continues.

We told them about the bill in December 2022, and they offered to do direct deposit into our account, but because we missed their phone call to accomplish that, they said they would send a check instead. Check never came, but due to travel we didn’t realize it until March 2023. We reached out in March, they said they would resend the check and it would be here within 2-4 weeks. We asked if they can do direct deposit into our account, and they said their systems aren’t capable of doing direct deposits (even though that was an option they provided to us in the past). A little off, but okay.

We reached out 4 weeks later, and they said they sent the check on March 20 and should arrive within 2-4 weeks. We reached out again later, and they said they actually didn’t send it on March 20, but on March 30, and it would arrive in 2-4 weeks. Exactly 4 weeks later on the day, they reach out and ask for our bank account number so they can do direct deposit! This is beyond ridiculous and there is clearly some dodgy business being done here, what with all the delays and excuses to avoid paying us our due.

I don’t know what’s happened with their systems, if they’re running out of money or what, but this is not okay and I’m getting fed up with their excuses and borderline lies. If I don’t get my bill paid soon, I am switching.

We have had a great experience with Zion HealthShare! Being self employed it gives us peace of mind that we have something there just in case. After dealing with traditional healthcare systems, it is a breath of fresh air dealing with people in simple and easy fashion. We recommend Zion to everyone! #Itjustmakessense

I’ve belonged to two different health shares and Zion is head and shoulders above the rest. Prompt service when needed. Affordable. I also found it to be much more convenient that my previous health share because I only ever need to submit a medical expense if it ends up being substantial (which has so far only been one time). Premiums are very low. Gives peace of mind when the big expenses hit. Repayment was extremely fast compared to other health share.

Zion HealthShare is wonderful. First of all, it allows you to go to any provider, and that could be life-changing when it comes to surgery. I can’t imagine being limited in this regard by an insurance company. In my case I needed a very difficult tendon-transfer toe surgery, and there was only one surgeon who was both highly qualified and also willing to attempt it. I was able to focus 100% on the surgeon and surgery, asked for the cash-pay discount, and then after it was all done and paid for, I simply contacted Zion and submitted a needs request. It was simple for all involved, and the surgeon didn’t have to worry about what my insurance allowed or didn’t allow, whether the payout would be enough, and I didn’t have to worry about getting everything done in the same calendar year to avoid higher out of pocket costs.

Surgeons tend to be extremely busy at the end of the year because of calendar year deductibles, and one might get a better surgery result by avoiding that time period. In my case I got my surgery in January, and that had no effect on the needs request. It turned out great.

In my opinion this option is way better than regular insurance, and one reason is because PPO plans seem to be no longer available if one pays for insurance directly as I do. Also the staff at Zion is extremely nice, professional, and helpful, and the whole organization is very straightforward, and refreshing. Everything seems as simple as could be, and it is a well designed and managed organization.

I think this is the very best healthshare option available and I am very happy I chose Zion.

I am grateful that when I call in for help, you have such nice people on the phone. Rebecca is an awesome soul who understands that me trying to explain something doesn’t always make sense. What patience! What class! Thank You Rebecca for solving my problem and making it a worthwhile experience.

We’ve been Zion members for more than a year and are thrilled with it. It’s a solid, well-run organization and you can get answers any time that you reach out. We have only submitted one need request each so far, for a covered preventive service, and it was paid to us in full promptly and efficiently. I am confident that should we experience a more significant need, it will be handled in the same manner.

I take strong issue with the reviewer who says Zion hides anything. The IUA guidelines, as well as the requirement that you are a current member to be covered, along with which medical expenses are eligible and which are ineligible for sharing are all clearly spelled out in the downloadable Member Guidelines booklet. The company is not to blame for those who join without reviewing and understanding the guidelines.

Their IUA is deceiving compared to other providers, it’s actually a “deductible” that you have to pay up to 3 times a year, not once, that’s huge. They hide this from you until you sign up.

The icing on the cake is that they won’t cover a medical expense that occured while the member was covered by Zion. They bailed on paying anything since the bill arrived “too late”. So of note, if you have coverage with them when you go the doctor, and then cancel your membership two months later, they will say that they can’t pay the bill for you since you’re not a member anymore, even though it occured months before while you were a paying member of their service. If you already have coverage with them, wait until all your bills are settled before cancelling, because Zion will leave you holding the bag.

Avoid this group at all costs.

I’ve found Zion HealthShare an excellent Healthcare provider. And although I normally probably would’ve stayed on as a member; my job offers benefits as well as Health Insurance which gives me more options. But I appreciate Zion HealthShare with a passion, and would definitely recommend it to anyone.
I thank you for having me as a member!
God bless!

Great customer service and easy to navigate the process of dealing with hospitals and medical facilities. I work at a DPC clinic and recommend Zion to a lot of patients. Love that they value Direct Primary Care and recognize the benefits of patients being a part of one.
-Jori

We’ve been members for a couple of months now and my experience has been great with them. They have great customer service that shows they care. Amanda was amazing and assisted me with with the reason for my call and answered all my questions.

I have been using Zion HealthShare for the last several years and it has been a wonderful service! Exceptional customer service – they actually answer the phones and emails! I love that they do not discriminate due to religious beliefs like some of the other sharing networks. They have been wonderful to work with and I am only leaving because I now have a job that offers insurance.

Zion Health has been such a breath of fresh air. We struggled along with steadily increasing insurance rates and finally switched to Liberty HealthShare. They were ok in the beginning, but their reimbursement times got longer and longer and longer which meant we were having to pay EVERYTHING up front and wait forever for their checks. (We left them in October of 2020 and have yet to have all of our needs shared. They periodically email us to tell us they’re still working on it. Ridiculous.) On top of all that, they changed their membership so that you pay based on the number of people in your family if you have more than four (I believe) members. We have 7 kids at home and that priced us right out of it being practical. The last straw was the almost impossibility of reaching people who could answer questions and help solve problems.

Enter Zion Health. The IUA amount of $1000 we chose meant we were paying about $80 more than we had been with Liberty, but what a difference! The have kind human beings who answer the phones immediately and do everything they can to help, no matter what you’re calling about. Sharing happens in a matter of a couple of days rather than months, and can go directly to the provider or to you via ACH (so fast!) or check, and that means you can have the money in your hands to pay the bills rather than having to pay everything up front and wait. Their membership guidelines are inclusive and reasonable, and their unique IUA approach works extremely well for our family, plus the preventive sharing is awesome. I recently had a colonoscopy and every cent was paid within days of my submission of statements.

I also love that even for healthcare costs that don’t exceed our $1000 IUA, they will help negotiate the lowest possible rates, help find providers, and will even help with scheduling. When you call with a health related situation, you don’t feel like you would with an insurance company that you need to be guarded about what you say because they’re looking for any reason not to have to pay. You can spell out your whole situation and they do their best to INCLUDE rather than exclude your need.

There are so many other great features, my favorite of which is Teladoc. Got a kid screaming with an ear infection in the middle of the night? You can literally talk to a doctor in a matter of minutes and have a prescription ready and waiting first thing in the morning. A visit to an instacare (if you have one open 24 hours) or an ED would mean an hour or two of time if you’re lucky, be difficult for your child, and cost a lot of money. But that Teladoc call is fast and FREE.

Zion Health is just seriously the best insurance/healthshare situation we’ve had since before the ACA, and we loved our first year with them so much that we’re now offering it to our employees.

Thank you for much for the prompt response & answering all of my questions, I very much appreciate it! We’ve been very happy with Zion Healthshare since we signed up, and this is one of the reasons – prompt, courteous responses, and no issues with really anything since we signed up. Anytime the subject comes up regarding insurance or alternatives to insurance, we are sure to recommend you guys. Thank you for all you do!

Some things were a bit confusing, mostly finding providers who knew about Zion Healthshare. it got better once we began presenting as self pay. The providers often required a phone call from Zion to get straight on it being a Healthshare and not insurance.

I had a great experience with Zion HealthShare – their service allowed me to freelance for a couple years while I was starting up a side business (marketplace plans were too expensive). Thankfully I never needed any major expenses covered, but their customer service was always friendly and helpful (including when we parted ways as I’d gotten a job with health insurance – I think it speaks well of any company that it makes canceling an account a pleasant experience). I would absolutely recommend them to anyone who is looking for an alternative to expensive private health insurance, they saved me literally thousands of dollars.

I was very satisfied with my experience with Zion. The customer service is great. And I used the Teledoc feature 3-4 times. One improvement I suggest would be to pay for an annual flu shot, but at least I got a few dollars off using the RX card.

Zion Health staff members have been very responsive and professional with me over the past 15 months of my membership. Zion Health’s coverage rates are quite reasonable for the coverage they provide, especially considering the flexibility in choosing a decent provider regardless of location throughout the country. For a non-traditional health insurance company, I believe Zion Health may be the best in its category.

I was hospitalized in August of 2022 following a motorcycle accident. I had $5000 medical coverage on my motorcycle policy and a membership with Zion Health share.
I notified both my insurance company and Zion. Zion notified me that I could pay my unsharable amount directly to them.
After my motorcycle policy limit was exhausted in early November, Zion notified me that they still had not received an itemized bill from the
hospital. So, after a number of calls, I was able to get a bill from the hospital, which I forwarded to Zion. Shortly after that, Zion provided me with a credit card number which I could use to pay the $40,000+ balance. After making the payment over the phone, the hospital provided me with confirmation numbers and emailed receipts, all of which I forwarded to Zion.
I cannot say enough good about Zion. The lady, Mindy, who handled my case, was very prompt in responding to all my questions and super helpful. The only delay in payment was due to the hospital being somewhat slow in compiling the bill. So, huge “Thank You!” to Zion. They do a very good job, indeed!

I could not be more satisfied with Zion Healthshare! I only wish I had discovered them sooner! I was paying $700/month with another insurer and never used the policy. Zion Healthshare got my premium to $185/month. Each interaction with the company was easy and straightforward. No double-speak, no empty promises, just the plain truth. I submitted Needs requests and they were paid TWO DAYS later! This is how healthcare should work. More people should know about this company. They just keep getting better and better.

Let me preface this review with a little bit of my background. I am a Revenue Cycle/Healthcare Professional with almost 20 years of experience at various levels, which includes: entry level employment, mid-level leadership, executive leadership, and, most recently, Revenue Cycle consulting. On almost a daily basis, I interact with various forms of health insurance including traditional, health-sharing, third-party liability, and many others.

With all of the above being said, my most recent experiences with Zion in both my professional and personal capacities have been nothing short of phenomenal.

My normally very healthy family has recently had a string of bad luck which landed three of my five family members in the ER in less than nine months and a needed, but unexpected ankle surgery for myself. We had just made the switch from traditional medical insurance to Zion and apparently had some strangely unconscious desire to test the limits of both Zion’s generosity and capabilities.

Zion surpassed all of my expectations with flying colors. From the ease of the Needs submission process to the great kindness and professionalism of Zion’s team members, I do not have a bad thing to say.

For my last point:

To the Zion Executive Leadership Team:
1. Please keep doing what you’re doing. More and more, your services will be needed in the US and the tumultuous environment that is the US Healthcare System.
2. Give Mindy Larsen a bonus, a raise, and a promotion (she deserves all three). Mindy was professional, patient, kind, understanding, and knowledgeable – qualities that are increasingly hard to come by in the professional word. She did an outstanding job with me, my million questions, and my sometimes annoying (I really know it can be) meticulous attention to detail. Mindy’s obviously a keepr.

Great job Zion – I wish you nothing but success…because your organization’s success directly correlates to a patient’s success.

As a member of Zion HealthShare, I am amazed at the help and efficiency that I have received in making my doctor’s appointments and payments easily done through Zion HealthShare! Had it not been for my former employer I never would of heard of Zion HealthShare. Zion HealthShare has provided me with affordable healthcare while allowing me to keep all of my physicians which is why I highly recommend Zion HealthShare to anybody I can.

Zion has been one of the best decisions we have made for our family. My husband and I haven’t been happy with the traditional healthcare system for a long time and we are so relieved we found Zion for our needs. We would recommend this company to anyone.

Zion Health makes the entire process from start to finish easier than any other company I have worked with. They are automated yet you have great access to the team. They are responsive and provide members with excellent details on all benefits which include a number of annual teledoc appointments with no copays. The pricing is outstanding and your ability to choose any doctor or utilize their discounted bluebook MDs is a great advantage.

I’ve been a Zion member now for almost 18 months and my experience has been fantastic. Each interaction I have with the team at Zion is positive, helpful and they do what they say they are going do. I always get a phone call and voicemail as a followup to whatever question I have. I highly recommend Zion to anyone that is seeking a reputable health sharing organization. Zion has exceeded my expectations!

My wife had knee surgery and everyhing went smooth, when we had to use the service it always went very smooth and easy, The communication was always great! They never tried to contest the charges, Zion health always kept their word and paid our medical bills in a timely manner. We would recommend Zion Health to all our Families and Friends.

Ive been happy with Zion Health. A friend has a different provider, and they had to pay for an entire surgery up front and hope tp be reimbursed. They had to dig into her retirement. Zion can actually pay up front on a surgery or a Maternity Need thats been determined sharable. Its really been working well for us!

My family and I signed up this spring after our previous healthshare company was having lot of issues. So far I’m extremely happy with how things are going. I like the structure of this program where everyone is asked to pay something per event so that all the members are encouraged to be responsible. This will prevent Zion from running into similar issues my previous healthshare company was having and ensure the funds are there for everyone. Another huge advantage of Zion is the expeditious payment reimbursement which prevents negative credit reporting and cash flow strain on the members. Haven’t had to use it yet, but having a complimentary telemed service is also a nice feature. I was quite surprised to receive a prescription card as well, not a discount card. Covering for preventative services are also nice feature. I was also told that coverage is applicable while overseas as well eliminating need for travel insurance. Zion is definitely the way to go over traditional insurance.

Just wanted to write a glowing review for Joanna Steffen of Zion Health! Today is the second time I have worked with Joanna via the telephone regarding healthcare issues. Her lovely “NPR voice” and helpful manner make the whole calling experience void of stress and anxiety on my part! Joanna is a very valuable person in her current position and it is my desire for you to be sure and recognize her talents and reward employees such as Joanna, for a job well done.

Sincerely,
-Susan Schlett

I have had an extremely positive experience with Zion thus far in the year I have been a member. When my daughter needed tubes in her ears, the whole process was extremely smooth. All the communication was quick and efficient. They handled all of the communication with the hospital and doctors prior to the procedure and took care of the payment so there were no surprises. Zion is the second healthshare I have been a part of and I have to say they are way more efficient and easy to work with than my previous one. I would recommend.

I have dealt with multiple HealthShare companies, as well as actual insurance companies, over the years. I have never had an experience anywhere close to as great as this one with Zion HealthShare! My 8 year old daughter had emergency heart surgery which is stressful and scary enough, let alone the medical bills that are associated with that. Aliya and Bella at Zion HealthShare called me after I submitted the case and they were not only following up on the case, but also genuinely expressed their concern and care for my daughter and would always ask how she was doing. They made the process of dealing with the bills so easy. Not only easy, but prompt. In the past, I have had to wait months for things to process with insurance or healthshares, but Zions processed and closed bills within a matter of a few days. I am grateful for them and how amazing they have been through the process!

Zion was God-send when my wife and I lost our insurance due to her retirement. It is a very cost effective way to have the assurance that you won’t have to worry about a medical bill changing your life forever. My wife decided to go back to work due to boredom and we are able to again have employer paid insurance. If for some reason that should end again, our first call will be to Zion to reestablish our membership. We find their representatives to always be helpful. Thankfully we never needed to much in the way of needs requests but they were very helpful in helping deal with the health care facilities for the small charges under the $1,000 limit. I highly recommend Zion.

I made a mistake and thought when I purchased healthcare, ZION Health was the typical “for profit health provider”. I was wrong. ZION Health is a NON-Profit Healthcare Share Provider. This is one mistake I was happy that I made. I had a ruptured L4 & L5. I could not move. I made it to the ER and they charged $20,000.00 for an anti-inflammatory and a CAT Scan. What a rip-off from my prospective. Then referred me to a two surgent who wanted to operation at a cost of $130,000.00 to $160,000.00. I found two doctors that practice non-surgical procedures. The typical “For Profit Healthcare” would have paid $130,000.00 to $160,000.00 for surgery, but not the $14,000.00 for the treatment I choose to have. ZION Health did pay the $14,000.00 and is paying for the non-surgery therapy. I am back to playing tennis, and living a healthy life. ZION Health never questioned the therapy or the invoices, and reimbursed me my out of pocket expenses quickly without question. I am recommending ZION Health to everyone. As I do with using Credit Unions for banking. for they too are non-profit.

I would not recommend this coverage if you want insurance that will actually pay for something. My doctor ordered a mammogram. I called Zion before scheduling to see about coverage. I was told to wait until a certain date and then it would be covered. I scheduled after the date I was told. I called the day before the mammogram to ask about how to file. I was told to give Zion the billing department’s number and they would call and pay. A few weeks later I get a bill from UNC. I call Zion again, and was told to submit the bill online. The bill still wasn’t paid. Then I get an email from Zion saying mammograms aren’t covered until the age of 50. I’m 41. If that’s their policy then ok, but why did the first person I spoke to tell me it was covered and even gave me a specific date (December 27, random!) at which it would then be covered!?!? An the other 2 people I spoke to didn’t bother to mention that it would be covered and I find out from a generic email that you can’t even reply to. I paid $2500 into this “Health Share” and it didn’t cover a routine Gyn visit or a mammogram. This seems to be a scam. Do not believe what you are told over the phone if you call for info before you sign up.

I joined Zion in October of 2021. I specifically asked if they cover mammograms and paps. I was told yes. never was I told I had to wait 6 months, or I would have. I scheduled my exam in December, and recieved a $700 bill from my hospital, stating that Zion has declined payment. When I called, Joanne said “Oh, let me see. Well it looks like we called and left you a message.” I told her that was impossible because I don’t have my voicemail set up. She said “oh, well that’s your choice. You were declined because you have to wait 6 months.” I also had to have a biopsy and ultrasound on my thyroid in November when I found a lump. AFTER I signed up for service, which is key, because it cannot be a medical issue before signing up . I signed up October 12th, found the lump November 30th. I opened a request, or whatever the hell they call it, and EVERYTHING was denied. I paid my $200.00 fee to the doctor, Zion was supposed to reimburse….denied. When I called and asked why, “It’s because you don’t have service with us anymore.” Well, I DID have it, at the time of the claim. I canceled in January. We paid $350 a month, to the Zion Thieves, and they didn’t pay me back for my $200 visit, they didn’t cover my mammogram and they did not cover my NON pre-existing claim for my thyroid. So now I owe over $1100.00, and they took $1000 from me. JUST GO TO THE DOCTOR AND PAY CASH PRICE….. YOU WILL GET DISCOUNTED RATES. DO NOT go with Zion. They are terrible. And if anyone from Zion reads this, feel free to go back into your notes on my file, and listen to all the calls that are recorded. You made promises, and never kept them. WORST COMPANY EVER.

I joined Zion, mostly from the reviews I read here and after being with them for six months I’ve learned that the way the medical system works today just doesn’t jive well with what the MHS community is trying to accomplish. The system is far too broken to allow for a new entrant or new way to have any meaningful progress. It took two months for a claim I submitted to inevitably be denied. Two months. I’m not blaming that on Zion, but if Zion and HMS community was funded better, there would be more resources available to be more proactive. Instead, they rely 100% on the records they receive and don’t apply any intuition to them. For example, the hospital system I went through for an X-ray doesn’t take electronic signatures for HIPPA forms. So instead of Zion reaching out to me and letting me know that their medical request form was denied, I had to proactively reach out to the hospital system and ask what could be done to get them the information they needed as quickly as possible. It’s just a prime example of the fact that as an individual, I really don’t own my own healthcare records. The convoluted and intertwined health care system does. If it’s hard for me to get access to my OWN records, how can I rely on a third party to do it? Or for that third party to have more motivation and more desire to access the records than I do? MHS community has a noble cause of fixing the rapid healthcare inflation that is caused by the government and Medicare being the ultimate price setter that traditional insurance companies inevitably aligned prices for non-medicare people with. There is just no way this MHS community will fix the problem and eventually more and more people will grow tired of the delays in the reviewing of claims or the denial of claims that would otherwise be covered under traditional insurance. Just look at the MHS plans that have been around the longest and the reviews they have on this site. Eventually, Zion will lose ratings and customers the same way CMH and medi-share did. It’s already happening. I’m convinced medicare failing as the boomer population continues to age mixed with the younger demographic’s desire to be price seekers and demand more control over their care, records, and cost of care will inevitably be the only thing that fixes the problem we have today.

Can’t blame anyone for trying Zion but I am extremely disappointed in my experience.

Zion Health has been nothing but a great experience, every time I have a question it is immediately answered, The member care team is great to answer the phones with no wait times And my bills have been paid effortlessly. I would highly recommend Zion Health to my friends and family

I didn’t have to use many of the services available, but it was great knowing that Zion Health was there if anything happened. Everyone is friendly and there is no drama. It was a straight-forward process and I enjoyed my time with Zion Health.

I spoke with Zion Customer Service Representative, Sadie, and you was professional, knowledgeable, and personable. You guided me how to set up a Teledoc account and explained there was no charge as a member of Zion in seeking medical advice via Teledoc. She also reviewed my policy and confirmed that I had met the minimum criteria for a colonoscopy screening.
I would highly recommend Zion to any person/family that is looking for a high quality health care ministry.

We relocated from California to Texas and were in a bad place because we were without health insurance. We were glad to find a healthshare. After we acquired Zion Health, my son had to be rushed to the emergency room. Zion Health was exemplary in sharing into everything. Our questions were always answered and there was great communication. Customer service answers the phones as soon as I call. I believe this experience with Zion Health has hugely served it’s purpose and we are grateful.

After a year of joining Zion Health, last week I finally got to use it. I needed to see a doctor and was a bit unsure what my experience would be like in terms of Zion Health covering the visit. I was very pleasantly surprised. I called Zion Health, and the call was immediately answered. I spoke with a person who was compassionate and I could feel that they genuinely cared about my experience. I was provided with a way to pay for my visit so that I didn’t need to pay out of pocket. After the visit I submitted the receipt by email and that was it! So far, my experience with Zion health was amazing. Much gratitude!

I recently joined Zion Health and was quite overwhelmed when I went to see my doctor for my annual provider visit this morning and Zion Health paid for it over the phone at the time of service. The billing representative was pleasantly surprised and said she had never seen another healthsharing company do anything like that. For anyone out there who may be with another healthshare with higher rates, take a look at Zion Health!

This review is from the hearts of our family going through a really rough time. I initially applied for Zion 2 years ago and was not expecting to use it. however my wife got pregnant and gave birth to our baby boy. I was very nervous and scared that Zion would not cover the maternity and delivery because we have not ever had health sharing before and we no longer have health insurance. After delivery I was ecstatic that Zion Health covered the entire pregnancy visits and delivery. This was a huge relief as this was the first time we had to file a claim(need) with Zion.
Wow, I cant believe the organization is so caring and upstanding.

Fast forward to 6 months. My baby boy is now 6 months and had to be hospitalized due to his Eczema getting infected with a bacterial and viral infection. he has been in the hospital for over a week and this bill is not going to be cheap. My wife and I were very scared about our son and the cost of all the medical treatment and hospitalization. We contacted Zion about this and Bella Green researched into our case after listening to the situation. She came back after her research and assured us to not worry as we will be taken care of. WOW I can not believe the service and the care we are receiving from Zion.

I can’t speak on other health shares as I have no experience with them but what I can say is that I can not believe I ever had health insurance in the past. I wish I discovered Many years ago however we found them at the most distressing times of our lives and they are here for us!!
Special thanks to Bella Green for her hard work into research of our needs and also her comforting words to our family.

I had a high risk pregnancy, so there was a huge amount of bills. There was some going back and forth between providers and Zion, but we were able to get the claims met. I live in a small town and had to go back to a large city, Zion made it all as painless as possible.

My husband and I joined Zion Heath after trying to find a heath care option that seemed right for us. The whole market was very overwhelming and trying to actually speak to anyone that isn’t a robot? Forget it.
We started asking around and found many of our friends were using different Heath Share programs! We were interested right away. We did some research and found that Zion was the best for our needs! We fell in love as soon as we called, and a REAL PERSON picked up! They walked us through all the ins and outs of their program and answered every question we had. They helped educate us for future doctor appointments as well. The customer service is amazing! Anytime we have a question or a problem, the Zion team is there. The RxShare and the Tella Doc program are also an awesome part of Zion!

a lot of my friends and colleagues use Zion and love it! I am happy to be a member and am pleased with the low costs and the patient portal. Opening a need appears easy and fast. I registered on the prescription discount service and am excited to use their service.

I have been with Zion Health for a short time but I have already used them for my annual provider visit, Zion has a great amount of add-ons that other health shares do not have, One thing I love is that you don’t have to disclose your religion, its a pretty amazing company and I would recommend Zion to my friends who don’t have regular insurance.

I have been a member of Zion Health Share for exactly a year, and I never had to use the service. I would like to say their member care team was great and helpful. I enjoyed my time with Zion Health and would recommend them to my Family and Friends.

Zion Health – Medical payment help done right! We’ve only had to file one sharing request but have called Zion a few times with questions. The questions were answered by a real person in a friendly and easy to understand manner. The sharing request was approved within 24 hours of approval. In today’s health care environment you just can’t beat that. Not to mention their pricing is fair. I recommend Zion as an affordable alternative to traditional health insurance.

(I worked with Member Care Representative Joanna S.) I appreciate your costumer service so much and Im sure we will be back. For now we are getting insurance through my husband’s business but if that changes we will definitely return. I will be sure and share my experience with people I know. It’s so refreshing to call a company and talk to an actual person!

Thanks again!

Sam

After being a member of Kaiser Permanente for the majority of my adult life, which would be 30+ years, I made the jump to Zion health and I have been an extremely satisfied member. The lower cost is a help to my household and the services I am able to receive cover all of my needs. I would highly recommend Zion for anyone who is looking to reduce the cost of their medical needs while at the same time receiving high-quality care.

For the past year, I have been with Zion Health, each time I’ve called with questions they have been extremely helpful and courteous and knowledgeable. My family and I keep healthy and well and we have not had many occasions to use Zion Health. On the occasions we have, it has been seem less and I have had peace of mind knowing that they stand in our corner and have our back.

My husband and I joined Zion Health about six months ago after he left his job to focus on his health. My job’s HSA plan was astronomical and had an embarrassingly low level of coverage. Zion has enabled us to get away from employment-based insurance…and at nearly HALF the cost! Zion’s coverage is competitive and I truly feel very secure with our plan. One of the greatest benefits we’ve seen is a reduction in cost for many of our prescriptions thanks to Zion’s negotiations… much more affordable than when we were on a traditional plan. My sincere thanks to Zion Health!

I just wanted to say how much I appreciate Zion. Last year, I took a leap of faith and left my job (and the medical benefits!) and started my own private psychotherapy practice. It was really risky, but I was able to do it because I knew that I would have coverage. Since then, I had a very traumatic miscarriage in January and then a D&C in April because the miscarriage was not complete, and then chest pain that led to an urgent care and then an ER visit in July. Zion literally sent flowers when I had the miscarriage. Your company has been SO wonderful. Your staff is competent and compassionate and I just wanted to say how much I appreciate all of you. I am on several therapist message boards and always sing your praises. Because I have coverage through Zion, I am able to do that work that I was meant to do (I am a trauma/grief psychotherapist). So, thank you sooooo much.

We were very skeptical of a Health Share type Insurance plan. But after a lot of research and consideration, we liked the idea of Zion using the PHCS Network. It has gone better than we ever expected using Zion and ALL of our providers accept them as an Insurance payment plan. It has been even easier to use then our previous Hospital provided Health Insurance. We recommend it to anyone who asks. We will never go back to a typical Health Insurance Plan. Zion has been very helpful with all of our initial questions when we were getting acquainted with using a Sharing Service.

I have been so happy with Zion Health! They have been really easy to work with. Our family tried a different health share before and we hated it. Zion health has been a completely different experience. Quick responses to emails, understanding to all situations, and amazing help during maternal needs! We are having our second baby this year and I’m so glad we have Zion Health!

Zion Health does exactly what they say they do – offer help for catastrophic medical bills. I am fortunate that I haven’t had any, however, they are wonderful about covering well women health care. I did not realize this and the representative I spoke with explained it all to me and I got all my annual well woman services covered – Included my colonoscopy! I also love that I can call with questions and speak to a live, helpful, courteous person. I have also had the opportunity to use the “Teladoc” service. In healthcare myself I was dubious, both experiences were above my expectation. I am glad I chose Zion Health.

I had forgotten about my annual checkup, where I submitted my membership card to the practitioner. At the time, I expected to eventually be billed for the visit. Today I received an email from Zion saying they payed the bill. Great service and communication.

Excellent service. Responsive and caring. Not sure why people use traditional insurance… seriously. I had to use Zion for the birth of my daughter. It far exceeded any expectation I had. They even sent flowers and a congratulations card to our house a week after we brought our baby home. Wouldn’t change a thing.

I could not be more happy with Zion Health Share! We are paying $1,500 to have a baby, and it is still Affordable! I would recommend them to anyone. They have saved us $1,000’s of dollars in the last 2 years. They have been very responsive and helpful and they pay out needs very quickly. They also have some great connections to affordable health care service which has also saved us a bunch of money! I would honestly rather be on them than traditional insurance!

Decided to join Zion after lacking the support needed from Cigna. After many research Zion seemed to offer all I needed. More direct communication, an easy understanding of what is shareable and what is not, and a great price for the healthcare I was looking for. I have been with Zion for approximately a year and they have been nothing but helpful in any questions or concerns I have about in network providers, how to navigate and communicate about my health share coverage to any providers, and directly communicating with the providers to facilitate any billing.

With Zion I have also had the pleasure of being a member through my pregnancy. At first I was very worried of how to navigate the healthcare system with a health share, but they’re member services and maternity liaison helped me with every aspect and question I had. They helped me set up my payment plan, directly were in contact with my Obgyn to bill appropriately with my health share, and explained everything to me along the way.

Zion has been nothing but supportive through my pregnancy and as a member I have felt very taken care of. If you are doing research do consider them and contact them to get more information of how they work and what they have to offer.

A great alternative to traditional high-cost medical insurance, especially for those that retire early.

About 4 months after we joined Zion Health, my husband became ill. He was in good health and not on any prescription medications at age 55, so we weren’t too worried. However, it rapidly escalated to liver cancer. We were overwhelmed with multiple doctor visits and the growing medical bills. Zion Health worked with us every step of the way. We work with one account rep that knows our situation. She is very prompt in responding, giving me regular updates, friendly & professional. (It is so nice not having to contact a “call-center” like most insurance companies.) I also met with the Medical Director to review our case. He was very personable and put me at ease. To date, our bills (over $100K) have been paid. My husband is still receiving treatment and we feel very confident with Zion Health.

Just signed up with Zion. After doing my research they seem to be the best fit. Nationwide coverage as well as coverage outside the USA. Unlimited benefits were also a contributing factor. I was even in the area where they’re from Saint George Utah so I dropped by their office and everyone was very accommodating and helpful. My hope is I never have to have any claims and that I just pay my monthly amount and we’re both happy 🙂

I had a serious accident with many, many emergency room, hospital, rehab and physical therapy bills. For being a new company, Zion did an excellent job. They were responsive, caring, helpful and covered everything the plan said they would cover. There were a few times when I had to follow up on past due bills, but customer service was responsive when I emailed and immediately addressed the situation.

We recently join Zion and had to use the insurance coverage very early in our membership. Zion has been absolutely great to deal with. The communication has been very clear and timely. The process was new for us, but once we understood how to submit information everything proceeded well. Re-imbursements were executed quickly and were accurate. We are very happy with the service and support we have received.

Admin Edit: We’re cleaning up site reviews. This review is helpful, but I need to add a note that HealthShares are not health insurance in case readers find this review confusing. They’re two different types of health service and they serve different types of people.

Thanks for your review, Michael! We’re always glad to see that a HealthShare helped its members.

So far, so good with Zion Healthshare! We haven’t had any major medical bills yet, but they did pay for my husband’s yearly well visit as promised and they are always prompt in answering the phone. The staff I’ve talked to are always kind and helpful! I will keep this review updated as we have more medical bills come through.

I wanted to take a moment to personally thank you all for honoring the single IUA for my pregnancy. It means a great deal to my family and I. I cannot express enough the positive impact it will have on us emotionally and financially. It has been a hard year, as it has been for many, and this will help greatly.

I can get insurance through work for virtually no cost but adding the family was very expensive. I researched a few different healthshare’s and Zion looked the best. I like the fact they encourage functional approach and the emphasis on wellness.

They have been great to work with. Quick to answer the phone and when we did make a mistake on being a couple of days early on a waiting period had the grace to work with us.

I am not sure if you will get this message, but I did not get a chance to use the benefits as i was a customer for a very short time. I think you are definitely providing an incredibly valuable service to the world, and my only constructive feedback is that your online process is confusing and I would have had no idea how to find a provider in the event I needed medical care. I got lots of different emails with links to lots of different pages, but I would definitely recommend once central hub from where you can manage billing, identify providers, learn about the process, etc.

I’ll be back though. I am sure I will not keep my current job for very long…

During the short time that I/we have been members, we have had no need to request any cost sharing, thank G-d, so we have no experience in that realm. We can, however, say that it has been a pleasure dealing with all the good people in the office during becoming members, as well as now in cancelation.
Thank you, and G-d bless,
David & Nicola Morris

I LOVE Zion HealthShare! My husband and I signed up with them right before getting pregnant and they were so incredibly helpful through the process of getting us what we needed for maternity coverage. I’ve communicated with them over the phone and email and they are always extremely helpful, thoughtful, and very responsive. I can’t count the number of times I’ve told my husband how awesome they’ve been through the maternity process. They’ve even reached out just to check in and see how my pregnancy is going! Truly amazing. I would absolutely refer Zion HealthShare to anyone looking for an alternative to traditional health insurance.

After researching Health sharing options a couple of years prior, I was glad to finally find a company that offers great coverage at an affordable cost! When I lost my job at age 62 and needed coverage, I found that ZION Health offered the best coverage at the best cost and my doctor was in their provider list as well. Beyond that, the customer service was actually beyond my expectations. Fortunately for me, I got a new job but unfortunately my new job doesn’t allow me to use Health Sharing for medical coverage and as such I am forced to go back to the old medical insurance system. Perhaps that will change in future and if it does I will go back to ZION Health for my coverage.
Thank you ZION Heath for being there!

My husband and I have been a part of a health share plan for more than 3 years. The monthly fee, deductibles and co pay costs for private health insurance per month was outrageous, especially we were both healthy and not taking any prescriptions. We had a few small needs over the past three years and in each instance were were guided through the process of submitting needs and answering our questions with utmost professionalism and kindness.
This past January my husband was stricken with serious and critical condition. He has been in the ICU for over 2 months with a very long road to recovery ahead. The stress, roller coaster of emotions and financial responsibilities I have been enduring have been overwhelming. I could not have asked for a more compassionate, supportive, reassuring and professional group to be working with through out this continuing crisis. I want to give a special shout out of gratitude and thankfulness to Aliya! Her kindness, compassion and patience was and is always foremost in our conversations, each time reminding me that my focus needs to be on my husband, she would take care of the medical bill end of it. Aliya’s phone calls just to check up on Tom and reassure me everything is being completed on her end mean so much!
If you are looking for a Health share plan, I highly recommend Zion!

Zion has been incredibly patient, concerned and loving in their follow up to my claim. I needed an MRI last year and my understanding was that it would only run me $200. Of course, that was just my co-pay. So when I got the bill, Zion reached out to me even before to explain the process of how they could help me pay for it. They called me!!! Anyway, I’m grateful to say that I am paying less than half of what it costs. AND, everyone I have spoke with, has been amazing!! I highly recommend Zion.

Customer service was high on the list when I was shopping around for a healthcare solution after losing my job (with insurance). Zion’s customer service is outstanding! They were not put out with the many questions and clarifications we needed answered to feel at peace.
Thank you!

My husband and I signed up with Zion almost three years ago when we were desperately trying to find an affordable health care company that does exactly what they promise. They offer different choices in plans so you can customize it to fit your needs
We have tried other companies in the past and have had to wait on an eternal hold to get in touch with them over the phone. When you call Zion you get to talk to a real person quickly and they always seem to have answers to your questions.
We are absolutely thrilled with the excellent and personable customer service that we have received, especially with Aliya. She is truly a caring individual and gets back to us quickly whenever we have had any questions. She even has notified us when she needs paperwork from us to expedite the process.
We both had unexpected ER visits last year and Zion came through for us when we submitted a need request. Zion keeps their promise in paying bills on time, which is amazing in this day and age. It is a streamlined and efficient process. We could not be happier that we chose Zion!
Look no further if you are looking for a great Healthshare company…WE HIGHLY RECOMMEND THEM!

I’ve been a member of Zion Healthshare for a bit less than a year and have been impressed by the organization’s responsiveness, accommodation, understanding and thoroughness in responding to my claims. It’s a welcome change from Liberty Healthshare, an organization that offered none of the above. Today I called needed clarification on a procedure and called the Member helpline. Jennifer was both kind and helpful in answering my questions. The process left me comfortable that I’m in good hands with Zion Healthshare.

These guys are great! Dakota was extremely helpful for me when I had a major kidney stone issue away from home! I just paid my part and sent her the invoices and they were taken care of! I’m self employed and this plan is affordable for my wife and I. Health care like this has been a long time coming!

I have been a Zion Health member for the past 15 months. I am so appreciative of the knowledge and training that their member support staff have. I had a quick question today and I called and within a few seconds I spoke to Infinity and she answered all my questions and took the extra time to share additional information. She was personal yet professional.

Last fall my wife had a surgery and again the level of care and quick response in payment was outstanding. I highly recommend Zion Health to anyone looking for a HealthShare organization.

I love being a part of the community, staff is always very helpful and the website is super easy for me to find the information i need. I like that the PDFs are all in one spot so I can find the one i need to look at.

The preventative and maternity ones are cool because it literally walks you through what to do. Very happy!

5 stars for my experience with Zion Health!!!
Laura from the Maternity needs department was SO helpful, kind, respectful, and understanding. She took her time to walk me through what I needed to obtain from my provider and how she would be there to help every step of the way. I’m so thankful to have talked to her. I feel very confident in the service I am getting!
Thank you Zion Health!

I have never been sick a day in my life and recently had a health crisis that had me in and out of the emergency room for months. Zion not only took care of the bulk of the expenses but also eased my stress levels. Aliyah was particularly helpful helping me sort out my deductible, contacting providers and following up with all of my billing issues. It makes a huge difference being able to contact a human being directly and actually have them care about helping you. I wholeheartedly recommend Zion.

We have had amazing customer service using Zion’s. Our traditional insurance option through work was exorbitant, so we looked into alternative options and luckily found Zion’s. Questions were always answered promptly, everyone was courteous that I spoke with, and they were always quick with reimbursements. We just got switched back on traditional insurance, but I wouldn’t hesitate to jump back to Zion’s if we needed to again. So grateful they could help bridge the gap for us when we need other options!

This one is just like the others – coming up with many excuses to NOT pay for things they say they’ll pay for.

On the phone, I was told my OBGYN was in-network. Because many offices will NOT bill a health share provider, I was also told that if I would be denied service without paying, that I would be reimbursed for paying at the time of my visit with a receipt.

So, I went to my OBGYN for a visit. They said they do not bill health share providers if they’re not insurance, so I paid at the time of my visit and got receipts.

Then, Zion told me they would not reimburse me because my OBGYN was not in their network. When I told them I was told that it was in-network on the phone and the Dr. appears on their website as in-network, they changed their reason.

Then, they told me they will not reimburse me because I self-paid and they don’t reimburse well visits… despite the fact that my OBGYN provided the receipts and I was told on the phone and via email that I would be reimbursed.

Now, I’m trying to get the OBGYN to send them a bill and refund me. It’s just a mess that reminds me of my last health share and private insurance. Not worth it.

They talk in circles on the phone, email, and website. When you point out something doesn’t seem right, they move onto another excuse.

I left my corporate job earlier this year, and I lost my health insurance right away. I couldn’t purchase regular insurance at the time, so I looked into a second option. I wanted something in case of an emergency, and Zion Health seemed like the perfect fit! Back in July, I spent three days in the hospital. Between the ER, the ICU, and numerous exams, my medical bills added up to over 30k. I had a unique circumstance, and Zion Health extended its Additional Giving Fund to help with my bills. I paid my deductible, and Zion Health paid the rest. Everyone in the company has been helpful and kind during a very stressful time. Thank you, Zion Health!

Dalaimi (Dee) De La Cruz

I decided to look into health shares after not being able to be on my parents insurance any more. I haven’t had any health issues (so far) and so I never used the insurance when I was on it and didn’t want to have to meet deductibles that wouldn’t even end up paying much if something were to happen.
I found Zion Health Share online and had a wonderful experience when calling in. I’m not the religious type and was happy to find out that Zion health isn’t tied to any religious group! I can’t remember the rep’s name there but she was very pleasant, helpful and answered all my questions. She shared with me that they look at everything a case by case basis and are always wanting to do what’s best for their community of members. I would highly recommend looking into them and signing up with them!
I selected the direct membership and it’s helped knowing that I have something just in case something happens to me.

Zion health is awesome, great customer service.
Compared to regular health insurance their rates are better .They are all very nice and really care about their customers.
I spoke to Caesar today , he was extremely helpful and went above and beyond to assist me.
Zion health team will also help you negotiate the bills that are not covered under your plan ,I have Direct Membership Plan with IUA of $1000.
Call them with all your questions, please this is so worth it and all the money you will save.

Dakota worked with me all the way through the reimbursement process. Even with the current medical climate, payments were timely and communications were prompt. Total reimbursement matched my numbers to the penny!! No back and forth, just results. Very impressed and pleased that I chose this health care coverage.

I had to go to the emergency room earlier this year. Was diagnosed with the flu and hit with a bill from the hospital for about 10K. I had just purchased Zion at the $5000 share level, which cost my wife and I, $350/mo. We no longer qualify for ACA subsidy, so I was looking for options to purchasing regular health insurance. In pricing regular insurance, premium would have cost us $1200 with a $7500 deductible, so Zion was indeed an attractive option, but was skeptical, would it work and would they pay. They not only paid 100% above my shareable amount for this expense, but deposited it in my bank account within 5 days of receipt of the bills. I worked with Dakota Bird and she was fantastic in helping me navigate this process. Zion is the real deal, and I encourage anyone in a similar situation to consider Zion as an extremely viable option, and my hope is something like this catches on for most people that need affordable health care options.

I recently became a member of the Zion Health medical cost sharing community. Up until now, my health insurance has always been provided by my employers. As I was nearing the end of my COBRA coverage from my most recent employer, I began to research medical cost sharing organizations in the U.S. and decided Zion Health was the best fit for me. The enrollment process was very convenient and straightforward. Their customer service group is super responsive and knowledgeable. I had a very positive interaction regarding my membership fees with them today and this simply reinforced my decision to become a member. I look forward to doing my part to help others in times of medical expense need and I’m confident that Zion Health and their members will stand ready to help me as they did today!

In regard to the iua after Consulting with with them I understand the IUA is per incident and not per year.. they do not make that clear on the website. If you have three different conditions going on each one is subject to the IUA. If One of the conditions carries over to the next year you are still covered under the initial iua

Update on my last 5 star review. I have had nothing but confusion and frustration. I was lead to believe that needs would be covered and in the end I had to pay. One day you are being told all is well the next you get ignored and the next a denial letter. This happened to me 2 times.

Another reason for dropping my rating. When we signed up our rep was Debbie. One day she stopped responding to my emails and they stated bouncing back. I had to call into the main line to find out who my new rep was. I was assigned to Dallas, he was rude and sent half legible emails. One day he stopped responding and his emails bounced. I emailed the general account asking for help and was assigned to Amanda. She was actually very helpful but in the end I was told something would be reimbursed to me and sent a denial letter instead.

One more…
My son had a few very expensive procedures that were approved as a shareable need. I was told to set up a payment plan and they would negotiate a lower rate and make they payment. Well Zion made payments but not the full amounts and the hospital drafted my account putting me in a bind. My account with the hospital is now a mess and no one seems to be able to straighten it out.

ZionHealth has expressed that I am up in the night and I should have known better sending me the same tired link to the fine print. I honestly did my best to follow what I was told to do.

I am contemplating switching to Zion but I worry that it will end it the “rate spiral” like more established ministries, once claims start coming in. It is hard to see there low prices as sustainable. It will be important for folks to share their experiences.

Yep, it was really simple to sign up. I’ll update you if / when I submit a need.

I’m a healthy 60 year old male that has been paying over $700/m for insurance. I called and spoke with Zion for about 45 minutes, they answered all my questions. It was a no brainer for me.

I went with their enhansed direct primary care membership, it will allow me to get a colonoscopy and the shingles shots right away. I’m paying 189/m and my dpc Dr. costs me 40/m.

Hope this helps. All the best.
M King

Wow we had such an unfortunate experience with Zion Health Share. Had a wonderful experience speaking with customer service prior to enrolling our family and becoming members – however after two additional conversations once we were members revealed severe misinformation provided by customer service that put my family in a very dangerous position. We’ve already made arrangements with a new health share that is more established and following through – and they have also confirmed having other unhappy members switching from Zion. What a bummer! They seemed and sounded like they had such promise.

I have been with Zion since May 2019 though I have not yet made a ‘claim’. In my experience, the pros definitely outweigh the cons by a large margin.

CONS
– There were some hiccups with payment systems that were sorted out reasonably quickly.
– Some things such as birth control are not covered, preexisting conditions are excluded and some things you don’t become eligible for until you are with them for 2-3 years. Important you the document that details these things before signing up.
– Unsure if coverage and eligibility change without members being informed.
– When I switched to their DPC plan, I lost the teledoc service without being informed.
– No financial records yet although when I joined, they did say they were going to make their audited accounts available in 2020.
– Most significantly, they are small so there is a risk they will not be able to cover large claims (as they stress, this is NOT insurance). So I decided to purchase a catastrophic insurance plan as well, which adds to the cost.

PROS
– The cost and simplicity compare to insurance, I read the fine print on all my insurance policies and this program seems way more reasonable.
– The responsive and personal service you get when you contact them. Never had to wait longer than a day.
– Valid anywhere, even if you take a trip out of the US!
– Of all the healthshares, this one seems the best structured and not as restrictive as the other religious ones.
– They are non-profit, and like most healthshares take their percentage for Admin costs which they state as 10% and everything else is goes to members shared needs.
– If they make good on making their audited accounts public, there seems to be less likelihood of corruption than the for-profit healthshares that recently started
– By far and away, the best part is they give a discount for having a direct primary care doctor (DPC). Because of this, I signed up for one in my area and she has been amazing in focusing on preventative care, answering any question I send her, and fighting to keep my costs down for things like bloodwork. This has been the best medical experience I have ever had!

I believe more and more people will realize they are the best value for money of anything in the US medical system, and they will continue to grow. As they do, I hope they keep things simple and transparent, and I look forward to the day I can ditch my catastrophic insurance!

Just signed up in Nov and already had to use their Teladocs service. They explained this to me as I was inquiring about Zion Health. It was as convenient as they said it would be and didn’t cost anything. Great customer service experience!

I was worried what I was going to do when I had a larger doctors visit bill, but it still didn’t reach my IUA. Was I just going to have to pay all that out of pocket with no help? Called in and Zion informed me that they actually can help in getting my smaller bills discounted for me. Nice to know that they are willing to help their members in any situation, not just after I pay my part. I recommend taking them into consideration when looking at your different options for healthcare.

Love that I can choose who I want to get my treatment from with Zion health, Im not bound like normal insurance. I decided I wanted to do a thermography instead of a mammogram this year, and Zion allowed me to do that as a form of alternative medicine. It was refreshing to feel like I had a say in things, instead of just being told where to go.

Zion Health and my rep, Tim Hirsch, have been great. The options available were simple and easily understood. You can’t beat the rates. The enrollment process was easy and straightforward. I haven’t had a claim yet, so I don’t feel comfortable giving a 5 star review just yet, as I have no experience to go on. If I could give 4.5 stars right now I would!

Glad that I can come and go as I please with Zion Health. Even better that I don’t have to be affiliated with a religion. They are so easy going, and look at each incident for each member, instead of just grouping them together and not looking at me as an individual.

Representatives at Zion are very informed, and have an direct answer for every question. Very easy to navigate the website and find answer on your own as well. The application only took me 5 minutes and I got a digital ID card the next day that I could use. overall very impressed with the interactions Ive had with them.

Been doing some research and comparing some of the more common health share companies and noticed that most of the members seemed pretty unhappy with how long it takes to process claims, how high the rates are, and not fulfilling promises. I came on here to maybe find another health share and saw that Zion Health was the highest rated and checked into it. Very nice people over there, and really know how to take care of their members. They process claims in 3 days and are really fast at getting back to me with any question I had. Very good.

I have been with Liberty Health Share for years and decided to look into some other options. I came across Zion Health and was pretty impressed with the way that they are doing things, even though they are a new company. I’m going to be paying a lot less for my family, and have more services available for my family. Glad I made the switch from Liberty, would seriously recommend looking at your options for health shares so your not overpaying like I was.

I’ve been looking into healthshares because I’m tired of paying so much for insurance and I came across Zion Health. When I called and talked to a representative there I was very impressed with their knowledge and how well it was explained and how if she wasn’t sure with the question she would promptly get me answer to my question.
The representative didn’t make me feel rushed to get off the phone and took time to explain things to me and make sure that I had a good understanding. I liked that she gave me the option to enroll over the phone instead of going through the website, which I feel was a lot easier!

My sister had told me about health shares and how much she enjoys having one, especially when she had her baby. I hadn’t really heard of them but I liked the idea and concept of them. I looked into a few health shares and they all seemed pretty similar until I came across Zion Health.
I decided to call them and get some more information and the girl I talked to was very nice and well knowledge and was able to answer all my questions. I really like that they have no yearly or life time cap on what they can pay. I haven’t had to go to the hospital since I was a child but I like that I know that I have am able to get the help that I need if something were to happen to me.

I am so glad that I found out about Zion Health Share. They have been so good to me and my family, and I can’t imagine how my family would have gotten through our son unexpected appendix surgery without them . I’m so glad that we are done with the insurance games and switched over to Zion Health. It is honestly one of the best decisions that I have made.

Our family found out about Zion Health Share and they answered my call and emails. I found the price is awesome for our family of six and we like how they included Teledoc with our membership. I can use the doctor of my choice and was impressed with people at Zion Health, they have been wonderful to work with and I would recommend them to anyone.

Zion Health has been good to my family. My son and I have some challenging health problems that have required out of the box care. I believe that we wouldn’t be able to get the same flexible care without this program. Thank you Zion Health!

My brother and I have a small business in New Hampshire and use to carry Anthem health insurance. We switched over to Zion Health in March of 2020 at less than half the monthly cost. So far everything has worked as it should and we have saved over 8k between both of us in less than a year.

I am biased, I’m new to the healthshare model. At first I thought healthshare was complicated with lots of forms and stuff. Zion Health has made it super simple, and they bring a new prospective to the idea. The only thing better than a growing community of like minded members, is knowing that I don’t have to negotiate my bills, or pay out of pocket. They also work with my DPC or direct primary care doctor like Prime Meridian from DoTerra or the one I use, Alive & Well. I love that’s it’s a non-profit and their vision of helping people get better faster is simple and amazing!