Memberships / Comprehensive
Comprehensive Membership
Everything in Primary plus everything in Catastrophic. This is what most CoreMed households choose.
What's included
Everything in Primary
Unlimited doctor, PT, mental health, labs, imaging, prescriptions, dental.
Everything in Catastrophic
Surgery, ER, ICU, serious conditions, transport, transplants.
Eligible anywhere in the U.S.
No network restrictions, and emergency sharing while travelling abroad.
No networks. No in-network or out-of-network. Where you get treated is your decision.
One membership
One monthly amount, one number to call, no coordination between two systems.
How sharing works
Zion HealthShare is a non-profit medical cost sharing community. Members contribute monthly, and those contributions go toward each other's eligible medical needs. You choose an Initial Unshareable Amount, the portion you pay toward a given need before sharing begins.
1 · Something happens
A surgery, an ER visit, a diagnosis. You get care where you choose. There are no network restrictions.
2 · You submit the need
CoreMed and Zion handle the paperwork with the provider. You pay your IUA.
3 · Members share the rest
Eligible costs beyond your IUA are shared by the membership community.
How sharing actually works, in detail →
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.
In more detail
What each part of the membership actually means in practice.
Eligible anywhere in the U.S.
This is the part people take longest to believe, because it is the opposite of how insurance trained everyone to think.
There is no list of approved hospitals. No in-network and out-of-network. Nobody checks whether the surgeon you want is on a panel, because there is no panel. You choose the doctor, the hospital and the facility, and eligibility does not depend on which one you picked.
How your price is worked out
There is no price list, because there is no single price. Three things move the number, and the calculator shows you yours in about a minute.
Age
Monthly amounts step up by age band. Your household's number is built from the ages of the people on it.
Household
Individual, Individual + Spouse, Individual + Kids, Individual + Spouse + Kids. Children are priced per child rather than as a flat family rate.
Your IUA
$1,250, $2,500 or $5,000 per medical need. A higher IUA lowers your monthly amount because you carry more of a large event yourself. How the IUA works →
Before you join
Conditions you already have
Anything treated or medicated in the 24 months before you join phases in over your first years of membership under Zion's guidelines. Your CoreMed primary care is not affected by this. Read the rule →
What is not shared
Zion's guidelines set out what is not eligible. Worth five minutes before you join rather than after. See the list →
Questions
Why do most people pick this one?
Because it is the only option that handles both a sore throat and a heart attack. One membership, one monthly amount, one number to call.
What's the difference from buying both separately?
There isn't one to manage. Comprehensive is Primary and Catastrophic in a single membership, billed once.
Is there a contract?
No annual commitment. Cancel any time.
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.
Zion HealthShare is an independent nonprofit organisation and a separate entity from CoreMed Healthcare. CoreMed memberships are an insurance alternative. Zion HealthShare is not ACA compliant, does not qualify as a taxable benefit or for Section 125 pre-tax treatment, and does not guarantee payment of any medical bills.