Zion HealthShare

This Utah-based HealthShare was created in response to the often-exclusive nature of HealthShares.  Although Zion HealthShare was established in 2019, they already have 40,000 members! That’s more than some other long-standing HealthShares. As a result, if you visit any HealthShare review sites in your search for a HealthShare, you will likely see Zion HealthShare ranks near or at the top.

How does a Zion HealthShare membership work?

Zion HealthShare extends an open invitation to anyone who wants to belong to a community of people who prioritize their health. Zion HealthShare does not require members to declare any particular religious beliefs. Though not bound by faith, Zion HealthShare remains a group of like-minded members who desire to balance personal and community responsibility. Members agree that they can best assist one another with medical expenses by being ethical and conscious about their own well-being.

Additionally, a few things make Zion HealthShare unique compared to other HealthShares. The most notable is how straightforward the program structure is. Zion determines your monthly contribution by your age and your choice of one of three Initial Unsharable Amount (IUA) options. Although the IUA is applied per need, members never pay more than three IUAs in a rolling twelve-month period. All expenses related to a specific need remain 100 percent shareable until that member is symptom-free for twelve months. If you experience more than three needs in a twelve-month period, Zion shares any eligible bills over $500.

Zion HealthShare membership types

Zion HealthShare has two primary membership types: Direct and Essential. Direct is Zion HealthShare’s signature membership, open to anyone who wants access to everything Zion HealthShare has to offer. Direct membership monthly contributions are based simply on age and household size. Essential is designed for larger groups, like an organization providing benefits for its employees, and allows for custom-built memberships. Zion HealthShare also offers the Essential membership to individuals who subscribe to a Direct Primary Care (DPC) provider. Individuals who wish to combine the everyday benefits of DPC membership with the big-picture benefits of HealthShare membership can benefit greatly from the customizable nature of the Zion HealthShare Essential membership. Either membership choice joins members in a top-tier HealthShare community.

What about common health concerns?

Zion HealthShare is mainly designed to assist members with unexpected or unpredictable medical bills; however, their program is also built to address common health concerns and pre-existing medical conditions. Direct memberships include an annual wellness visit that is immediately shareable, and Essential members may include this as one of their custom features. Additionally, for all memberships, sharing for pre-existing conditions is available under a phase-in program.

For pre-existing conditions, members will wait for one year of membership before sharing related medical costs. After that, members may share limited amounts. For instance, in the second year of membership you may share up to $25,000, the third year $50,000, and the fourth year $125,000. Many HealthShares simply will not share costs associated with pre-existing conditions, and some seriously limit the kinds of pre-existing conditions that may be shared. This approach by ZionHealthShare helps members with many conditions after just one year of continuous membership. Indeed, the way Zion HealthShare handles preventive and pre-existing health concerns may be a critical deciding factor for prospective members.

Key considerations

Here is some of the top information we believe potential members might want to know about this HealthShare.

Noteworthy

  • Members of all faiths accepted
  • Quick need turn-around time
  • Tobacco users accepted, with an additional fee
  • Initial waiting period for some sharing

Membership Requirements

  • Agree to the Zion HealthShare Principles of Membership
  • Be under age 65

Pros

  • Telemedicine (Teladoc)
  • Mental health resources (Lifeworks)
  • Annual wellness visit available immediately
  • No annual or lifetime sharing limits
  • At least 90% of contributions used for member sharing
  • Excellent member reviews
  • Maternity sharing for single or unwed mothers
  • Maternity need shared like any other need
  • Grandchildren may participate with grandparents
  • Medical Advocacy Service
  • Additional Giving Program
  • Alternative health treatments shareable
  • Generic prescriptions shareable (Rx Share)
  • Prescription discounts (OptumRx)
  • IUA discounts may be available for pre-arranged surgeries
  • Access to Healthcare Bluebook
  • End-of-life assistance for members and dependents
  • Colonoscopy, mammogram shareable after 6 months of membership
  • Mammogram shareable at age 40
  • Youth immunizations (up to age 16) shareable after 6 months of membership

Cons

  • Adoption expenses not shareable
  • Fertility not shareable
  • Insulin-dependent diabetes medications not shareable
  • ADHD, ADHS, SPD not shareable

Ideal Candidates

  • Want a simplified HealthShare experience
  • Need assistance managing pre-existing conditions
  • Do not want to be involved with a strictly religious HealthShare
  • Believe in the concept of helping one another through healthcare cost-sharing
  • Participate recreationally (not professionally) in sporting activities that may result in injury

Watch the Zion HealthShare Introduction video

Note: As of March 1, 2022, Zion Health is no longer accepting new members in WA. 

Website zionhealthshare.org
Religious Requirements None
Need Processing Time 3-5 Days
Caps None
Personal Responsibility Per Need IUA: Choice of $1,000, $2,500 or $5,000
Pre-existing Limitations One year waiting period for pre-existing. Up to $25,000 in second year; $50,000 in third year; $125,000 thereafter
Pre-existing exception(s) High Blood Pressure, High Cholesterol and Diabetes (controlled)
Wellness Visit Yes, immediately available
Preventive Immunizations Yes, 6 month waiting period
Screening for Mammogram Yes, 6 month waiting period
Screening for Colonoscopy Yes, 6 month waiting period
Mental Health Yes, optional membership with LifeWorks
Provider Network No, pick your provider
Need Processing Method Pay provider direct, reimbursement via ACH or check
Telemedicine Teladoc, $0 consultation
Startup Fee 0.00
Renewal Fee 0.00
Prescriptions Rx Share for generics $5/$15, discounts for all others
Maternity Yes; homebirth discounts, will pre-pay
Membership Size 40,000
Community Start Date 2019

Reviews

HealthShare Guide 25 reviews
4.8 / 5
HealthSharing Reviews 190 reviews
4.8 / 5
Google 203 reviews
4.5 / 5
Better Business Bureau 6 reviews
3.7 / 5
0 1.0 2.0 3.0 4.0 5.0

Zion HealthShare Options

Direct Essential
Annual Out of Pocket Max 3 x IUA per Household 3 x IUA per Household
Shareable Cost Per Need 100% after IUA 100% after IUA
Max Sharing Per Need Unlimited Unlimited
Extended Sharing Additional Giving Program Additional Giving Program
Doctor's Office Visits 1 Annual Provider Visit Shared as part of need; Preventive Add On Available
Hospitalization 100% shared after IUA 100% shared after IUA
Emergency Care 100% shared after IUA 100% shared after IUA
Prescriptions Rx Share $5/$15, Discount on others Add On Available
Maternity 100% shared after IUA, will pre-pay 100% shared after IUA, will pre-pay
Note Primary Membership Type Base membership with optional features; For teams or DPC members
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Pre-existing conditions: Shareable in 1st year if considered cured, symptom- and treatment-free within prior 24 month period. Otherwise, pre-existing conditions are shared at $25,000 starting in the second year of membership, $50,000 in the third year, and $125,000 in the fourth year and beyond.

Exemptions from Pre-existing conditions limitations: Hypertension, Cholesterol, and Diabetes.

End of Life Assistance: After 1 year of uninterrupted membership, $10,000 primary member or spouse, $2,500 dependent child.

Have an opinion? We want to hear it!

Are you or have you been a member of Zion HealthShare? Please leave a review below so others can get a better sense of what it’s like to be a part of a healthsharing ministry! If you have any questions about Zion HealthShare, contact us!
Review Form

Reviews

  • ByCreated Tiffany R. (2022-10-14 09:31:17)

    My maternity experience was amazing!! Jaden made everything super easy, even with me changing providers 3 times trying to figure out where I was comfortable. I tell everyone about Zion and how easy Jaden made my maternity care. He was truly a pleasure to work with. Even my midwives and ultrasound tech (2 separate entities) both told me that Zion is the easiest health sharing groups they’ve ever worked with on their end… so that was cool to hear!

  • ByCreated Mark Ciociola (2022-07-21 08:17:11)

    I have had an extremely positive experience with Zion thus far in the year I have been a member. When my daughter needed tubes in her ears, the whole process was extremely smooth. All the communication was quick and efficient. They handled all of the communication with the hospital and doctors prior to the procedure and took care of the payment so there were no surprises. Zion is the second healthshare I have been a part of and I have to say they are way more efficient and easy to work with than my previous one. I would recommend.

  • ByCreated Christopher Spada (2022-06-22 14:05:59)

    I made a mistake and thought when I purchased healthcare, ZION Health was the typical "for profit health provider". I was wrong. ZION Health is a NON-Profit Healthcare Share Provider. This is one mistake I was happy that I made. I had a ruptured L4 & L5. I could not move. I made it to the ER and they charged $20,000.00 for an anti-inflammatory and a CAT Scan. What a rip-off from my prospective. Then referred me to a two surgent who wanted to operation at a cost of $130,000.00 to $160,000.00. I found two doctors that practice non-surgical procedures. The typical "For Profit Healthcare" would have paid $130,000.00 to $160,000.00 for surgery, but not the $14,000.00 for the treatment I choose to have. ZION Health did pay the $14,000.00 and is paying for the non-surgery therapy. I am back to playing tennis, and living a healthy life. ZION Health never questioned the therapy or the invoices, and reimbursed me my out of pocket expenses quickly without question. I am recommending ZION Health to everyone. As I do with using Credit Unions for banking. for they too are non-profit.

  • ByCreated Dedra (2022-05-20 16:35:53)

    Zion Health has been affordable and easy to work with. Any time I had a doctor's appointment it was easy to get it taken care of. Joining Zion Health was a good experience!

  • ByCreated Ann C. (2022-05-06 12:02:30)

    Zion Health has been great at answering questions in a quick manner. The medical needs process is also easy to understand when planning for medical treatments.

  • ByCreated Jared S. (2022-05-02 08:30:46)

    We weren't with Zion Health for very long, so we didn't use many of the services, but I appreciate how easy it was to get signed up. The website content was clear, and there was easy onboarding and easy offboarding.

  • ByCreated Megan Brown (2022-05-02 08:13:08)

    Thankfully my family has been healthy so we haven't had to use many services from the Zion Health community, but we always experience excellent customer service whenever we have questions. Our calls are always answered right away. We are very happy so far!

  • ByCreated Allison Lind (2022-04-29 08:58:01)

    Very attentive and very responsive to our needs, we enjoyed our time with Zion Health and would recommend Zion to our friends and family

  • ByCreated Donald (2022-04-13 16:51:26)

    I had a great experience with Zion Health, I knew I was covered and that I didn't have to worry. Member Care is great they were very helpful, I am leaving because my new job provided me with tradition health insurance, but I would recommend Zion Health to my family and friends.

  • ByCreated Diane Kristensen (2022-04-13 14:01:02)

    I had been with another Health Sharing group for many years but changed to Zion Health. Zion is able to service their customers and pay claims promptly, and meet our health needs. Customer service is responsive and direct. Zion had the most consistent ratings and the price was good, and they dont have annual or lifetime caps.

  • ByCreated Tyson Hare (2021-12-28 18:08:51)

    Claim process very confusing with Intermountian Health Care as provider. Mostly on the part of intermountain health care not wanting to work with zions health. But there was not a lot of information on how to get reimbursed. Had to cover 15,000 dollar bill out of pocket before zions would reimburse because intermountain wouldn't give discount for self pay of using health share. Zions also didn't cover a bill after our minimum was met. Even though we turned the bill in for reimbursement because they claimed it wasn't itemized. I received everything the hospital would give us and sent it in and zions still would not cover it even though the bill from the hospital said itemized bill. Intermountain and this health share did not work together at all. Also Zions made me pay an extra month upon canceling even though I canceled before the end of the next month.

  • ByCreated Jose Soto (2021-11-24 16:15:53)

    Very Impressed how Zion Health is instead of Reactive!

  • ByCreated KimBBB (2021-11-03 18:23:10)

    We have been members of Runner for a couple of years now. We have easily saved over 20k as a family during that time versus what we were paying for a high deductible health insurance plan. We have had to use it for 1 emergency and only paid $1,000 out of our own pocket. That would have been so much more if we had our old health insurance plan. We are so grateful for all the money we have been able to save and not put into the pockets of insurance companies.

  • ByCreated Bethany Y (2021-08-17 00:25:02)

    I just signed up Zion health shared plan. I am very thankful to Infinity taking her time to explain all the questions I had before signing up. I am very happy with what Zion health plan can provide and very happy they have a great customer service. Thank you Infinity!

  • ByCreated Sandy Noll (2021-07-08 23:17:19)

    They've been awesome to work with! I'd highly recommend all to give them a try.

  • ByCreated Ivaleen U. (2021-06-11 16:13:39)

    My experience with Zion's Member Services has been awesome!! I was fortunate to work with Laura, then Mindy and Katrina. You were all very professional, courteous and quick to respond to my questions and concerns. Very great customer service!! Thank you very much!!

  • ByCreated Christie L (2021-06-03 18:43:41)

    Our family is so pleased that we switched from Blue Shield to Zion Health!! The most wonderful aspect of being a part of this community is the fact that you actually feel like you are a real person, and not just a number. Each Zion representative that I've spoken with has been caring, kind, patient, and very helpful! They are very efficient, and have helped resolve several reimbursement claims. I highly recommend this Health Share!!

  • ByCreated Tom B. (2021-05-28 16:45:54)

    Just signed up with Zion. After doing my research they seem to be the best fit. Nationwide coverage as well as coverage outside the USA. Unlimited benefits were also a contributing factor. I was even in the area where they’re from Saint George Utah so I dropped by their office and everyone was very accommodating and helpful. My hope is I never have to have any claims and that I just pay my monthly amount and we’re both happy :-)

  • ByCreated Brian Woodward (2021-05-25 23:31:28)

    It was great! Friendly, helpful. Explained how things should work. Stay Awesome! REALLY looking forward to the patient portal.

  • ByCreated C K (2021-05-20 19:55:37)

    They are a pleasure to deal with! Helpful and knowledgeable!

  • ByCreated Chelsea Turner (2021-05-19 21:29:35)

    Having Zion Health by my side through my pregnancy and emergency c-section has been wonderful. The maternity office called often to check in on me and the baby after she was born, and they made things very easy when uploading bills and paying statements. I have saved so much money versus having a traditional insurance plan, and even though I was a little nervous to try this new health share idea out, it has been a tru blessing!

  • ByCreated Marissa Merchant (2021-05-17 15:33:47)

    I wanted to take a moment to personally thank you all for honoring the single IUA for my pregnancy. It means a great deal to my family and I. I cannot express enough the positive impact it will have on us emotionally and financially. It has been a hard year, as it has been for many, and this will help greatly.

  • ByCreated Steven Lommer (2021-04-14 17:24:30)

    After researching Health sharing options a couple of years prior, I was glad to finally find a company that offers great coverage at an affordable cost! When I lost my job at age 62 and needed coverage, I found that ZION Health offered the best coverage at the best cost and my doctor was in their provider list as well. Beyond that, the customer service was actually beyond my expectations. Fortunately for me, I got a new job but unfortunately my new job doesn’t allow me to use Health Sharing for medical coverage and as such I am forced to go back to the old medical insurance system. Perhaps that will change in future and if it does I will go back to ZION Health for my coverage.
    Thank you ZION Heath for being there!

  • ByCreated Sam McCallister (2021-04-12 20:08:45)

    Zion paid all my doctor bills quickly and with ease! I have been a member for a few years now and each time I connect it has been a good experience. I would would recommend Zion over any other sharing ministry.

  • ByCreated Jose Martinez (2021-04-08 22:05:24)

    My medical bills was paid fast. No hassle from Zion or the doctors office.

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