OneShare Health, an Anabaptist-based HealthShare headquartered in Irving, Texas, launched nationally in September 2018, but has operated under different names since 2016. According to their website, they have shared over $180 million of members’ medical expenses so far, and nearly $50 million of that was from the last twelve months (from a total $92 million in member contributions in that time). They also contribute a small amount of their monthly contributions to charity, but do not disclose what percentage of monthly contributions are allocated for administrative costs.
OneShare has religious requirements for joining, and members must agree to their statement of beliefs. They also offer religious services to their members, like their prayer hotline, and post monthly videos featuring their on-staff chaplain.
No more network
In a welcome move, OneShare Health has decided to abandon the use of a provider network.
Previously, OneShare Health used the First Health provider network, and imposed penalties on its members for failing to visit in-network providers and facilities, including only sharing 50% of eligible medical expenses incurred out-of-network. Now, OneShare members have the freedom to choose their own provider without worrying about any out-of-network penalties.
Pre-certification and limited maternity
While OneShare’s move away from a provider network is a step toward greater flexibility for its members, it has other policies that complicate the sharing process. Regardless of their membership type, OneShare Health requires its members get certain medical treatments and services pre-certified for them to be eligible for sharing.
The following is a list of medical needs that require pre-certification in order to be eligible for sharing:
- Inpatient hospital confinements
- Outpatient surgery
- Organ/tissue transplant services
- Home healthcare services
- Cancer treatment
- Equivalent/alternative care, including chiropractic and manipulation therapy
Additionally, though OneShare offers four membership options, only one, the Classic Crown membership, offers maternity sharing, and limits sharing for maternity needs ($5,000 for “natural delivery”; $8,000 for C-Section; and $50,000 for complications).
Noteworthy
Here is some of the top information we believe potential members might want to know about this HealthShare.
Key considerations
- 90-day waiting period for most medical expenses
- $1,000,000 lifetime sharing limit
- Members are allowed to smoke tobacco, but health issues related to smoking are not shareable
Membership requirements
- Agree with core biblical principles and adhere to their statement of beliefs
- Must be under 65 years of age
Pros
- Mental health resources
- 14–21 day need processing time
- Telemedicine (100% shared consult fee; available 24/7)
- Discounts for vision, dental, and hearing
Cons
- Annual administration fee of $45
- Hospice care is not eligible for sharing
- Must obtain pre-certification for most needs for them to be eligible for sharing
- Maternity costs only eligible for sharing with Classic Crown membership
Ideal candidates
- Are not pregnant and will not become pregnant within first 90 days of membership
- Appreciate the resources provided for spiritual health
Learn more about OneShare Health by watching their video
