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zionhealthshare.org
56,000+ members
4 years of experience
options for employers
Key Considerations

Zion Healthshare is one of the fastest growing organizations in the country that boasts highly-rated, efficient, real-person customer service dedicated to help you through your medical needs.

Highlights
Pre-Existing Conditions

Zion does phase in sharing for pre-existing conditions as follows:

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    Yr. 1 no sharing
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    Yr. 2 up to $25K
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    Yr. 3 up to $50K
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    Yr. 4 and thereafter up to $125,000
Preventive Care

Certain preventive care sharing options are available. They include annual provider visits, colonoscopies, mammograms, youth immunizations, and well child visits. These preventive care options are shared with certain waiting periods, share limits, and guidelines for each.

Maternity

The member simply pays the initial unshareable amount they selected for their plan and the remainder is shareable. Conception must occur after membership start date to be shareable.

Rx Sharing

Medications are shared under the following conditions:

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    The prescription is related to the treatment of an approved sharing request;
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    The prescription is ordered by a licensed provider; and
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    The prescription is approved by Zion HealthShare. Sharing in all prescription costs is limited to 12 months.
More Details
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    Individual/Family plans serve members through age 65
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    Dental sharing is not currently offered.
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    Optical sharing is not currently offered. However, annual optometry wellness exams may be eligible for sharing.
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    Mental health sharing is not currently offered. However, through a service called LifeWork Zion HealthShare members may have access to regular, preventive mental health consultations. LifeWorks is available as an additional service to any membership.
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    Sharing for alcohol and drug abuse treatment is available upon membership start date and is not considered a pre-membership medical condition. Treatment for alcohol abuse, substance abuse, or chemical dependency is only shareable up to $3,000 per member.

Zion is almost a five-year-old company, and among the fastest growing in terms of healthcare sharing entities. Their Direct plan is designed for individuals and families, whereas their Essential plan allows for the customization desired by small businesses. Individual plans start at $103 per month and family plans start at $295 per month with monthly share amounts that go up from there depending upon various factors. Business plans start at $75 for individuals and $250 for families and go up from there based on different factors. There is no per-incident max-sharing cap and there is no lifetime maximum sharing amount with Zion. With Zion there is no application fee and the company does not have any religious affiliation. Lastly, Zion’s plans can start immediately.

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