Introduction

HealthSharing is a tried and tested healthcare solution that has a history of over 40 years. Here’s how it works:

• Members Work Together

To keep costs down by shopping for the best value and making smart life choices to keep the costs down for the whole Community.

• Every Member Contributes

A fixed monthly contribution to support the community.

• Members are helped by the Community

When there is a large medical need like an ER visit, Hospitalization, Surgery, Cancer Care, etc.

Zion Cheat Sheet

• HealthSharing

A membership-based non-insurance arrangement established for the purposes of sharing legitimate healthcare expenses between members. Members contribute monthly which is used to pay large medical expenses for member needs.

• Initial Un-shareable Amount (IUA)

The IUA for each member’s medical need is the responsibility of each member, based on your choice of IUA. This is the amount that you need to pay before the community is eligible to share in your medical expenses.

• Need

A need is defined as all of the medical expenses related to a single accident or illness that exceeds your Initial Un-shareable Amount (IUA).

A need comprises all expenses surrounding a new accident injury or illness. Once your IUA is met for a need, all medical expenses are shared by the community at 100% until the need is resolved. For example, you fall and end up fracturing your leg. From the initial doctor visits, any medical screening, x-rays, MRIs, specialists visits, surgeries, physical therapy, everything counts as one need.

• Membership Guidelines

A document that lays out the rules and guidelines of how the HealthSharing Community functions. Every member must accept these to enroll and become a member of the community.