Medical Cost Sharing
Medical cost sharing is often referre to as HealthShare’s, healthcare sharing ministry, and by a few other titiles. At it’s core, it is alternative way to effectively reduce ones overall health care expenses by replacing the need for health insurance. Designed for those who are healthier, a HealthShare will offer a significant lower monthly cost and often out-of-pocket expenses as compared to traditional health insurance. Each community below is unique, and offers a variety of options that can be customized to fit a members needs. We have provided a centralized location for perspective members to compare the different community’s that are available.
Quote Online InstantlyMedical Cost Sharing Universal Highlights: (Some medical cost sharing communities can differ)
- Teladoc or 24/7 virtual doctor included with membership
- Available in all states
- Enroll all year long with no open enrollments
- 501 (c)(3) non-profit organizations
- Lower cost alertanative to medical insurance
- Medical cost sharing is NOT INSURANCE nor is it offered by insurance company’s
- Limits & exclusions on pre-existing conditions
- Require a statement of faith or statement of standards that needs to be signed by members
- Compatable with Direct Primary Care membership for lower cost catastrophic coverage
- Zion Health
- Aliera Health Care
- Liberty HealthShare
- Kingdom HealthShare
- Samaritan Ministries
Learn More Zion Health provides an organized way to share in one another’s medical burdens. Medical cost sharing is not a new concept but a proven and effective alternative to health insurance.
Zion offers 3 simple plan choicies that include a $1,000 IUA, $2,500 IUA and $5,000 IUA. The IUA is the initial unsharable amount that is paid by members before medical bills are shared with the community. Althrough its similar to a deductible it does work differently.
- No sharing limits
- World wide coverage
- $10,000 end of life planning
- No Networks see an provider
- Work well in conjuction with Direct Primary Care memberships
- No Religous requirements
- $50 monthly charge per household if any members uses tobacco
- Pre-existing coverage phased in years 1-4 of membership
Learn More The affordable, biblical alternative to health insurance. Medi-Share is a community of Christians who have agreed to live as the early church (Acts 2 & 4) when it comes to sharing each other’s burdens. Members share each other’s eligible medical bills and, most importantly, encourage and lift one another up in prayer.
Medi-Share is built on a foundation of like ideals agreed upon by our members.
Our membership is made up of Christ-followers who agree with the Statement of Faith.
- Christian Organization
- No member may use tobacco
- Additional cost or membership denial for health risks such as being overweight
- AHP (Annual Household portion) is the amount members must pay before medical bills are shared with the community
- AHP options $1,000-$10,500
- Uses mutliplan PPO network of providers
- Members must open separate bank account designated by CCM upon enrollment
Learn More A welcome solution to traditional health care. Through USA Health plans members can customize more or less comprehensive coverage based on needs and budget. They offer Altrua’s unique Select Silver $2,750 MRA plan.
Altrua uses MRA (Member responsibility amount) to describe the amount a member must pay before needs are shared with the healthshare community.
Members that enroll directly with Altrua have options of Copper, Bronze, Silver, and Gold membership.
- Plans limit $1,000,000 in lifetime needs (Unless extra coverage is added)
- Cancer coverage is not eligible for sharing in 1st year of coverage. Testing must be performed for older individuals to provide cancer coverage after waiting period
- Limits and exclusions for maternity
- PPO Multiplan network of providers
- Doctor visits limited to $350 in total to be shared with the community
- Tobacco use not eligible for coverage
Learn More AlieraCare is specifically designed to provide individuals and families with the quality healthcare choices they need at a price they can afford. AlieraCare has six tiers of healthcare
sharing plans with robust offerings that are
available year round.
• AlieraCare Value | Plus | Premium offers three tiers of standard everyday healthcare plans
• AlieraCare Bronze | Silver | Gold offers three tiers of comprehensive healthcare plans
This is a religious organization, members are required to agree with the organization’s Statement of Beliefs:
1. We believe that our personal rights and liberties originate from God and are bestowed on us by God.
2. We believe every individual has a fundamental religious right to worship God in his or her own way.
3. We believe it is our moral and ethical obligation to assist our fellow man when they are in need, according to our available resources and opportunity.
4. We believe it is our spiritual duty to God and our ethical duty to others to maintain a healthy lifestyle and avoid foods, behaviors, or habits that produce sickness or disease
to ourselves or others.
5. We believe it is our fundamental right of conscience to direct our own healthcare, in consultation with physicians,
family, or other valued advisor
- Cancer and maternity coverage limited with in some memberships
- Sharing caps on some memberships
- Pre-existing conditions eligible for sharing after 24 months of membership
- Multiplan PPO network of doctors and hospitals
- Additional cost for tobacco usage
The members of our healthcare sharing programs don’t only share medical expenses—they also share a commitment to Christian principles and values.
As a like-minded community of health-conscious individuals and families, we support each other in times of need, taking seriously the biblical command found in Hebrews 13:16 to do good and share with others. Principles
Liberty HealthShare is a leader in the growing field of healthcare sharing ministries that offer a different approach to paying for medical care.
Members make an affordable monthly contribution online, which is matched to a medical need within the group. Our large, geographically diverse community commits to supporting each other’s medical expenses after a low annual threshold is met.
Liberty HealthShare offers three different programs to fit members with different resources and circumstances. Compare programs
- Limit $125,000 or $1,000,000 sharable per incident
- Simple pricing and membership options
- Limits on coverage first 60 days of membership
- AUA (Annual Unsharable Amount) must be met before needs are shared with the community
- Monthly share amount assigned by each member to other members in the community to share in one anothers needs
- Provides end of life financial assistance
Learn More Kingdom HealthShare exists to bless others. Three categories of plans to choose from that include, Kingdom Catastrophic, Kingdom Classic, and Kingdom Complete. In total Kingdom offers 7 plan choices for families of all sizes.
- Multiplan PPO network of providers
- ISA (Individual Sharing Amount) is the amount members pay before needs are eligble for sharing
- Life-time sharing maximum of $1,000,000
- $60 monthly charge per household if any member uses tobacco
- No online enrollment must call by phone or enroll with an agent
- $125 application fee waived if moving from approved healthshare community
Learn More Health care sharing with Samaritan Ministries connects the Body of Christ throughout the nation to help each other with their health care costs. Using a direct health care sharing model, our members have experienced a Biblical and affordable option for their health care needs.
After receiving medical care, the process of getting shares from other members can be started right away and usually takes between sixty to ninety days:
- A members monthly share amount is sent directly to other members for medical needs
- Strigent pre-existing conditons guidelines
- No networks, members can use any provider
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