In 2011, Solidarity co-founder Chris Faddis learned that his wife had cancer. Faced with mounting medical bills, and denied coverage of an experimental treatment, the family reached out to their community. Generous donations allowed Faddis’ wife to get treatment that extended her life, and this experience inspired Faddis to create the Arizona-based Solidarity.
Solidarity HealthShare was designed for Catholics, “in partnership with a small Mennonite church in Ohio.” This Mennonite church already had its own sharing program (Liberty HealthShare) and agreed to help create another one catered toward Catholics. Neither ministry requires its members to belong to a specific faith, but both focus on religious values.
Solidarity’s Catholic values create some strict rules about bill sharing, but Solidarity has some good exceptions too. For example, members may use naturopathic and alternative medical providers. They also consider experimental treatments for sharing.
Finally, member reviews indicate that Solidarity had a major website and database change in 2020. These reviews state that after this update, members received confusing information about bill sharing and the company became slower to pay providers. As of March 2022, this problem does not appear fixed.
- Christian who lives by biblical principles and respects the moral teachings of the Catholic Church (does not have to be Catholic)
- Believe in being “my brother’s keeper;” share medical burdens
- Live a healthy, moderate lifestyle (no substance abuse, no recklessly dangerous hobbies)
- Believe that rights are bestowed by God and not granted by men
- Respect each person’s freedom of religious worship and practice
- Believe it is a right to direct their own health care
- Medical expenses related to anything that goes against Catholic ethics not shareable. For example: injuries from war or self-harm, contraceptives, some forms of fertility treatments, abortion, euthanasia, and sex change surgery. Although some Solidarity shares some vaccines, it depends whether the vaccine used fetal tissue.
- Solidarity uses a self-pay system (so, no provider network).
- No age limits for members, and parents may include their adult/disabled children on their program.
- Medical costs shared on a per person, per incident basis (all bills related to the same diagnosis are considered part of one incident). No lifetime limits (but Solididarity places per-incident limits). Total bills must exceed an Annual Unshared Amount (AUA) to be eligible for sharing.
- Plans start at $64/month for one person and $384/month for families.
- Catholic values
- More possibly shareable expenses than some other ministries allow
- Wellness coaching program for some members (extra cost)
- No provider network
- Willing to share costs of some new/experimental treatments
- Allows sharing for wellness visits, telehealth, counseling, and physical therapy
- No age limits
- Membership fees transferred directly member-to-member
- Shareable maternity costs
- Have a credit assistance department to help members worried about medical debt
- Not helpful for some people, such as: military members, those with severe mental illnesses, people interested in gender reassignment surgery, people wanting to plan their family size, or people with dangerous hobbies like skydiving.
- Reviews indicate that payments are incredibly slow.
- Unclear pricing and membership options (customers must request a quote).
- Want to support a ministry that holds to Catholic values
- Have good health
- Want to help others and like to see exactly where their money goes
- Can wait for bills to be shared or reimbursed
Please note, the plan information below comes from 2021. Solidarity’s website redesign in 2021 removed a lot of information, and membership names and pricing may no longer be accurate.