Zion

Welcome!

To your Zion Healthshare training.

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Hi!

My name is Sarah. My friends and I will be guiding you through this course.

Let's begin!

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What is Zion Healthshare?

Medical cost sharing is a community where members agree to share medical expenses through voluntary giving. Unlike insurance, the focus of Zion HealthShare is to provide an avenue for members to help each other bear their immediate healthcare expenses.

Let's learn more!

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Why choose Zion Healthshare over traditional insurance?

Since the 1980s, health share programs have grown as a low-cost alternative to health insurance. A health share is a group of people who have agreed to help with each other’s medical costs.

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What is an IUA?

Your IUA level is your “Initial Unshareable Amount” that you agree to pay per medical need, before the Zion Healthshare Community contributes in paying the balance. This is similar to what insurance companies call “deductibles”.

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When signing up for Zion Healthshare, you select between 3 IUA levels:

$5,000 IUA

$2,500 IUA

$1,000 IUA

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How Does Zion Healthshare work?

Step 1: Submit a share request. Unless it is an emergency, contact Zion Healthshare prior to any medical appointment. They will help you navigate your medical experience. Step 2: When asked to confirm your insurance information, let the office know you are a Self-Pay Patient. Step 3: Share with the community. When your medical need is determined eligible for sharing, Zion HealthShare will work with you to coordinate provider payments. As you receive bills from your provider, request itemized statements and send them through your member portal.

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Good news!

Because Zion Healthshare is not insurance, this gives you the freedom to work with any provider, without network restrictions!

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Important!

When submitting a medical event, Zion’s does not have annual or lifetime sharing maximums, so you don’t have to worry about anything resetting and having to pay your IUA level again for the same event, at the start of the new year!

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Some medical treatments may continue for years while others may be resolved quickly. Medical need requests are closed after going 12 months without needing treatment.

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What happens if you have a lot of medical need requests in one year?

Each household will pay a maximum of 3 IUA’s in any 12-month period. After the 3rd IUA is paid, new medical requests will not be subject to the IUA, until 12 months have passed since the first medical need was opened. Why? Because Zion Healthshare does not want any member to bear more of a burden than they can manage.

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Who is eligible?

The employee, plus spouse, and dependent, unmarried children under age 26.

Are pre-existing conditions covered?

A pre-membership medical condition is any illness or injury for which a person has:

• been examined,
• been diagnosed,
• taken medication,
• had symptoms, or
• received medical treatment

Within the 24 months prior to their membership start date. Sharing requests related to pre-membership medical conditions are only shareable if the condition was regarded as cured and did not require treatment or present symptoms for 24 months prior to the membership start date.

Pre-Membership Medical Conditions Phase-in Period

Pre-Membership Medical Conditions have a phase-in period wherein sharing is limited. Starting from the membership start date, there is a one-year waiting period before pre-membership medical conditions are shareable. After the waiting period, the shareable amount increases with each membership year.

Shareable amounts for pre-membership medical conditions:

Year one: $0 (waiting period)Year two: $25,000 maximum per sharing request Year three: $50,000 maximum per sharing request Year four: $125,000 maximum per sharing request After four years of membership, expenses related to pre-membership medical conditions will be shareable up to a maximum of $125,000 in a 12-month period.

Exceptions for High Blood Pressure, High Cholesterol, & Diabetes

High blood pressure, high cholesterol, and diabetes are not considered pre-membership medical conditions as long as: 1. The member has not been hospitalized for the condition in the 12 months prior to joining, and 2. The member is able to control the condition through medication or diet.

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Important!

For more information on elegibility please check out the wibe site. Some exclusions may apply. Please visit:

https://zionhealthshare.org/member-guidelines/

You should know...

By enrolling in Zion’s Healthshare you are agreeing to the “Principles of Membership”, which include:

Practice good health measures and strive for a balanced lifestyle. Agree to abstain from the use of any illicit or illegal drugs and refrain from excessive alcohol consumption acts which are harmful to the body.

Also...

You should care for your family, agree that mental, physical, emotional, or other abuse of a family member, or any other person, is morally wrong, and commit to always treating your family and others with care and respect.

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QUIZ TIME

Let's go!

Question #1

What is Zion Healthshare?

Medical Insurance

Medical Cost Sharing as an alternative to Health Insurance.

Health Coaches

Correct!

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try again!

Let´s do it

Question #2

What is an IUA?

Co-payment

Deductible

“Initial Unshareable Amount” level you agreed to pay.

Correct!

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Let´s do it

Question #3

What are the 3 IUA levels you can choose from?

$1,000, $2,500, $5,000

$1,000, $3,000, $5,000

$1,000, $2,000, $4,000

Correct!

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try again!

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Question #4

When a medical provider asks for your Insurance information, what do you tell them?

Zion Healthshare Insurance

Afflack

A Self-Pay Patient

Correct!

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Question #5

Will Zion Healthshare work with my doctor?

Yes, because Zion Healthshare is not insurance. This gives you the freedom to work with any provider, without network restrictions!

Yes, as long as they are In-Network!

No, you have to go to one of the providers listed on their website.

Correct!

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try again!

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Question #6

Does my IUA reset and have to be paid again at the start of the new year?

Yes! It’s use it or lose it!

Yes! Every year you would have to pay the IUA in order for coverage to continue.

No, Zion’s does not have annual or lifetime sharing maximums.

Correct!

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try again!

Let´s do it

Question #7

How long will a medical event stay open for coverage?

Until you submit a written note from the doctor that treatment is complete.

Until the medical event has gone 6 months without any treatment.

Until the medical event has gone 12 months without any treatment.

Correct!

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try again!

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Question #8

What if your family has 6 separate medical events in a one year period - will the IUA have to be met for all 6 events?

No! Each household will pay a maximum of 3 IUA’s in any 12-month period. After the 3rd IUA is paid, new medical requests will not be subject to the IUA, until 12 months have passed since the first medical need was opened.

Yes! The IUA must be met for every event, before it can be submitted to the community.

Yes! Your IUA is your deductible!

Correct!

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try again!

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Question #9

Is there an additional monthly charge if there’s a tobacco user in the house?

Yes, $25 per tobacco user.

Yes, $50 per tobacco user.

Yes, $50 per household.

Correct!

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Question #10

True or false; Vaping once in the previous 12 months counts as being a Tobacco User and you have to pay the additional $50 Tobacco Surcharge per family?

False

True

Correct!

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try again!

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Question #11

Who is eligible?

The employee, plus anyone living in the household.

The employee plus any relatives living in the household.

The employee, plus spouse, and dependent, unmarried children under age 26.

Correct!

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try again!

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Question #12

Johnny tripped over his pet dog and broke the same wrist he injured playing football 10 months ago. Is his wrist eligible?

Yes, they will cover 50% after your IUA is met.

No. There is a one year waiting period, with some eligibility starting on year two.

No. There is no coverage ever for re-injury.

Correct!

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Question #13

In order to opt in for Zion Healthshare, what should you agree with?

With the Principles of Membership

With giving Zion Healthshare access to your social media

With being charged $50 monthly

Correct!

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try again!

Let´s do it

Congratulations!

You’ve completed your Zion Healthshare training.If you have any questions, please reach out to your HR team!

The End