Your Qualified and Obamacare exempt healthcare
Almost 4 million enrolled nationwide
Health Sharing FAQ's
Are Health Shares considered insurance?
No, but it is exempt from the shared tax mandate. AKA, no tax penalty.
HOW DOES THE HEALTH SHARE COVER PRE-EXISTING CONDITIONS?
Medical History is a factor when applying for a Health Share because they are not allowed to cover pre-existing conditions in the first 12 months of most plans. As a part of the application sometimes it may be necessary for the HealthShare to ask for additional information about your health history from your doctor.
Health Shares keep their costs low because they only accept people at low risk for health conditions and illness. Pre-existing conditions are not covered. Pre-existing conditions are considered "any illness or injury which a person has been diagnosed, been examined, taken medication, or had symptoms within 12 months prior to the date of the application for coverage".
Some memberships may contain "membership limitations" on things such as recreational activties and even bigger things like cancer in the first year. This is why it's important to wrk with an insurance broker that can ensure that you are not only a member of a health share but that you are insured with insured products to limit your risk and save you money.
WHO CAN I INCLUDE ON MY PLAN?
Three types of membership: Single member, Member +1, and Member + Family.
Who is a dependent?
Spouse living in the same residence
Children under age 20
Newborns must be added within 30 days of birth. No exceptions.
Children age 20-24 must be full-time students or full-time service volunteers.
All dependents in the household must comply with the Statement of Standards and membership guidelines.
Once one no longer qualifies as a dependent, that individual will have to apply as a single member.
IS MATERNITY COVERED?
Absolutely. Once you have been in a membership (two or more members in the household) for 10 consecutive months prior to conception, your plan will share up to $4,000 per pregnancy (whether a single or multiple birth). Needs for maternity ending in a delivery by cesarean section that is either medically necessary because of complications that arise at the time of delivery or due to medical necessity for previous cesarean section delivery are limited to $6,000 instead of $4,000 with no MRA applicable.
DOES THE HEALTH SHARE HAVE A PROVIDER NETWORK OR CAN I USE ANY DOCTOR?
YES AND YES. PHCS network, a very large national network of providers. Using a provider in the PHCS network will lower your out-of-pocket costs. You can choose to use any doctor ( non-network provider ), but you will have to pay a larger portion of your bills.
You can click here to search for providers in the PHCS network. (Note: When prompted to pick
WILL MY DOCTOR KNOW WHAT HEALTH SHARE IS? WILL I HAVE TO FILE CLAIMS MYSELF?
Members should tell a provider they are a member of a recognized Health Sharing Ministry. You will have an ID card to show with the PPO network . Explain that your bills should be sent either electronically or by mail as directed the instructions on the back of on your Membership ID card. Exactly the same way they would with insurance companies.
ARE THERE RELIGIOUS RESTRICTIONS ON WHO CAN JOIN ?
Members must agree to the Statement of Standards but they do not require members to sign a doctrinal statement.
IS THERE A CONTRACT OR CAN I LEAVE WHENEVER I WANT?
You are not contracted for any length of time. You only pay month to month and may leave at any time. New members pay a $100 application fee to check medical history and for admin costs. This does not go to your broker or agent. There is also $25 that goes to Ministries that is not refundable if you chose to quit after being accepted to the membership.
Complete Membership guide