Services you can trust
Health Sharing Memberships
Finding the right Health Sharing Membership is difficult...
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Learning how the different Health Sharing Plans work is complicated
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Benefits and guidelines vary dramatically from membership to membership
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Finding a membership that will cover your specific needs is time-consuming
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And knowing which organizations your can trust to pay claims is near impossible
The Solution
We make it easy to find the right Health Sharing Membership!
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We explain how your membership works (And how it differs from regular insurance)
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We compare your available memberships and point out the key differences
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We only recommend memberships that will meet your individual needs
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We know which memberships will share your costs if an expensive claim ever happens
Frequently Asked Questions About health sharing memberships:
What Is A Health Sharing Membership?
Most health sharing memberships are positioned as alternative products to traditional health insurance plans. A health sharing membership is a program where members contribute monthly payments that are used to help cover eligible medical expenses for other members.
These programs are typically run by faith-based or community-based organizations and operate differently from traditional health insurance.
Is A Health Sharing Membership The Same As Health Insurance?
No. Health sharing memberships are not health insurance policies. They are voluntary programs where members agree to share medical expenses according to the organization’s guidelines.
Many people use a health sharing membership as an alternative to having a regular health insurance policy. This is often due to lower monthly membership costs or specific benefits that may be covered better than on a traditional insurance plan.
How Expensive Is A Health Sharing Membership?
Monthly contributions are often lower than traditional health insurance premiums. The cost usually depends on factors like household size, age, and the program you join.
In order to know what a recommended health sharing membership would cost for your specific situation, please reach out and schedule a meeting with us!
Do Health Sharing Programs Cover Pre-existing Conditions?
Coverage for pre-existing conditions varies by program. Some memberships may have waiting periods, limited sharing amounts, or specific guidelines related to pre-existing conditions. Coverage can even vary by the type or severity of the pre-existing condition in question.
We recommend talking with one of our specialists in order to understand whether a health sharing membership would cover your specific needs.
Can I See Any Doctor With A Health Sharing Membership?
In most cases, yes. Many health sharing programs allow members to visit any doctor or hospital, since there are often no traditional provider networks.
Members typically present themselves as self-pay patients at the provider. After receiving care, the member then submits the medical bill to the health sharing organization for coverage. This unique process enables members to go to virtually any provider unlike a traditional insurance plan.
Can I Enroll In A Health Sharing Membership Anytime?
Generally speaking, yes! Most health sharing plans are not restricted to an annual “open enrollment period” like the Marketplace is. That means that you would likely be able to enroll in a health sharing membership at anytime instead of waiting until the end of the year.
Most health sharing memberships do have their own enrollment guidelines still. Meeting with one of our licensed agents will help you know exactly which memberships you are eligible to enroll in and which ones will be a good fit for your needs.
