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 bills
Simple, affordable, and transparent pricing.
Coverage anywhere in the U.S.
Emergency coverage traveling outside the U.S.
No network restrictions
Family friendly flexibility
No Annual Commitment
So what's covered?
Major Medical Events
Accidents (e.g., car accidents, sports injuries)
Emergency room visits
Surgeries (inpatient or outpatient)
ICU stays
Cronic 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
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.
Is there a deductible?
Initial Unsharable Amount (IUA)
Your monthly membership fee is based on your IUA or Initial Unsharable Amount. The higher the IUA, the lower your monthly membership goes down. It’s sort of like a deductible, but a lot better, compared to traditional insurance. IUA options are: $1,000, $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 pay it, you don’t have to pay anymore for that particular injury forever.
How about pre-existing conditions?
Pre-Membership Conditions
In the insurance world, this is similar to pre-existing 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 to be fully covered.
Year 1: $0 shared (or covered) by the community
Year 2: Up to $25,000
Year 3: Up to $50,000
Year 4+: Up to $125,000 per year
Coverage that goes with you....anywhere.
CoreMed's Worldwide Catastrophic Coverage provides affordable protection for major medical events anywhere in the world.
Coverage that goes with you....anywhere.
CoreMed's Worldwide Catastrophic Coverage provides affordable protection for major medical events anywhere in the world.
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