Memberships / What's included
Surgery and hospital stays
Planned or not, inpatient or outpatient, including intensive care.
Part of Catastrophic and Comprehensive.
Planned surgery
Tell CoreMed before it is scheduled. That gives time to confirm eligibility, work out the numbers with the facility and tell you what your share will be. Going in knowing the figure is the whole difference between this and a hospital bill.
You choose the surgeon and the facility. There is no network to stay inside.
Unplanned surgery
Get the care. Submit the need afterward. Nothing about an emergency requires a phone call first.
Intensive care and inpatient stays
Eligible inpatient care, including ICU, is shared beyond your IUA under Zion's guidelines. The membership documents set out how eligibility works in detail, and you get those before you join.
How sharing works, start to finish →
Zion HealthShare is not an insurance company. Neither this publication nor membership in Zion HealthShare are offered by an insurance company. Visit zionhealthshare.org to view your state-specific notice. State-specific notices.
Common questions
Can I use any surgeon?
Yes. There are no network restrictions.
Should I call first for planned surgery?
Yes. Not for permission, but so we can confirm eligibility and get you a real number before you commit.
What about a condition I already have?
Nothing is shared toward it in your first year of membership. From year two it phases in, up to $25,000 per sharing request, then $50,000 in year three and $125,000 in year four and after. The look-back is 24 months from your start date.