This isn't insurance, it's better.

Our catastrophic membership plan is a powerful, affordable alternative to insurance, designed for major unexpected medical needs. Backed by Zion HealthShare, this plan helps members share large medical expenses while keeping monthly costs low.

Here's what you get:

Protection against major medical needs
Simple, affordable, and transparent pricing.
Eligible for sharing anywhere in the U.S.
Emergency sharing while traveling outside the U.S.
No network restrictions
Family friendly flexibility

No Annual Commitment

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Membership Guide

So what's included?

Major Medical Needs

Accidents (e.g., car accidents, sports injuries)

Emergency room visits

Surgeries (inpatient or outpatient)

ICU stays

Chronic Critical Conditions

Cancer treatment (non-preexisting or after phase-in)

Heart disease & cardiac procedures

Stroke

Diabetes-related emergencies

Autoimmune disorders

Neurological disorders (e.g., MS, epilepsy

Mental Health

(Acute Only)

Emergency inpatient treatment

Acute counseling through partner networks

On-going mental health medications and therapy sessions are not shareable under Zion but are included in the CoreMed Primary Membership.

Other Shareable Medical Needs

Diagnostic imaging (MRI, CT, etc.) tied to a shareable event

Labs related to a medical need

Specialist consultations

Medical transport tied to a shareable condition

Organ transplants

Emergency dental due to an accident

Durable medical equipment

Physical/occupational/speech therapy tied to a sharable medical event

Is there a deductible?

Initial Unsharable Amount (IUA)

Your monthly membership fee is based on your IUA. The Initial Unshareable Amount (IUA) is the amount a member must pay before expenses related to a medical need become eligible for sharing with the medical cost sharing community. The higher the IUA, the lower your monthly membership goes down. IUA options are: $1,250, $2,500, or $5,000.

Example

Let’s say your IUA is $2,500 and you have a $10,000 medical bill.

You pay the first $2,500

The rest ($7,500) is shared by the community.

FYI - The difference in monthly cost is about $20-$50/month difference.

But guess what??

The IUA is per injury/incident, so once you've paid your IUS, for a medical need, additional eligible medical expenses for that same need remain eligible for sharing.

Backed by a National Healthshare

Zion HealthShare is a non-profit organization that allows members to contribute to each other’s medical expenses, also called medical cost sharing.

Zion HealthShare is not an insurance company. Neither is publication now membership in Zion HealthShare are offered by an insurance company. Visit zionhealthshare.org to view your state-specific notice.

How about pre-existing conditions?

Pre-Membership Conditions

If you’ve had symptoms, treatment, or medication for a condition within 24 months before joining, for that particular condition, there's a slow build up before expenses become eligible for sharing.

Year 1: $0 shared by the community

Year 2: Up to $25,000

Year 3: Up to $50,000

Year 4+: Up to $125,000 per year

From Zion HealthShare: When a member has been examined, diagnosed, taken medication, had symptoms, a personal history of or know increased risk of conditions that may aris or worsen in pregnancy, or received medical treatment within the 24 months prior to their membership start date.