OneShare Health, an Anabaptist-based HealthShare, headquartered in Irving, Texas, launched nationally in 2018, but has operated under different names since 2016. According to their website, they have shared over $206 million of members’ medical expenses so far, and nearly $30 million of that was from the last twelve months (from a total $64 million in member contributions in that time). Members also contribute a small portion of their monthly contributions to charity, but it is not disclosed 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 offer religious services to their members, like online prayer requests and monthly videos featuring their on-staff chaplain.
Provider network
Members of OneShare Health have access to a network of providers through First Health, which offers an easy-to-use provider locator tool to assist in finding network providers. Although it is not required to use a network provider, members could end up with an additional sharing responsibility if they choose an out-of-network provider.
Pre-certification and limited maternity
Regardless of their membership type, OneShare Health requires its members to 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
- Maternity
- 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 the Classic Crown membership offers maternity sharing and limits sharing for those needs ($5,000 for natural delivery; $8,000 for C-Section; and $50,000 for delivery 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 use tobacco, but health issues related to any use of tobacco 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; no consult fee; available 24/7)
- Discounts for vision, dental, hearing, labs, imaging, and medical supplies
- Some alternative health treatments shareable with pre-certification
- Prescription discount program
Cons
- Annual administration fee of $45
- Hospice care is not eligible for sharing
- Must obtain pre-certification for several needs 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
Page Updated 03.01.23
