Membership Basics
What is a HealthShare?
A nonprofit that facilitates sharing of eligible medical expenses between members.
What is an IUA?
Initial Unshareable Amount; $1,000, $2,500, or $5,000 depending on the membership plan.
How do I request assistance with medical expenses?
Submit a Sharing Request through the Member Portal and contact Medical Advocacy.
What is a pre-membership medical condition?
A condition with symptoms, or that has been diagnosed or treated in the 24 months before joining
Is Zion HealthShare an insurance company?
No, it is not insurance; sharing is done through voluntary monthly contributions.
How do I pay my IUA?
Pay directly to your provider or Zion HealthShare after the request is approved.
How do I present myself at a doctor’s appointment?
Present as a self-pay patient and request an itemized bill.
Are there restrictions relating to alcohol and drugs?
Expenses incurred while committing an illegal act are not shareable.
What is the difference between Direct and Essential Membership?
Direct includes cost-sharing, Preventive Sharing, Teladoc, and RxShare. Essential is a base membership with add-ons.
Can I use my HSA to pay my IUA?
Consult your accountant or financial advisor for eligibility.
How do I find a low-cost provider?
Use the Member Portal and request help from Medical Advocacy.
Does Zion HealthShare have waiting periods or deadlines?
Yes, specific deadlines apply to requests and pre-membership conditions
Can I offer Zion HealthShare through my company?
Yes, contact the Development team or visit the website.
How does Zion HealthShare pay for medical bills?
Via check, ACH, or credit card after approval and meeting the IUA.
How long does it take to share bills?
2-5 weeks with proper documentation.
What if I have an insurance policy in addition to my membership?
Zion HealthShare covers eligible expenses only after insurance processes claims.