LEARNING CENTER
Let's dive-into CoreMed!
One of the pillars we stand on, is transparancy. Scroll through the learning center to find out all of the details of CoreMed and how we're bringing quality and affordable healthcare memberships to our local communiteis and beyond.
What is CoreMed?
This is the change Montana has been waiting for; an affordable solution to the healthcare insurance crisis. CoreMed takes direct primary care a step further. We offer members access to local & independent providers that specialize in different areas.
NO REFERRALS
NO DEDUCTIBLES
NO CO-PAY
Our members have unlimited access to primary care, physical therapy, mental health counseling, EKGs, limited dental, and pharmaceuticals for one low, monthly rate. CoreMed offers a complete healthcare needs package. Join us to see how membership healthcare and cost sharing can help you reach your health goals!
Membership Options
Here for you
In life’s unpredictable journey, challenges can arise without warning, turning everyday normalcy into unexpected health crises. CoreMed's Catastrophic Medical Cost Sharing is meticulously designed to stand as your unwavering guard during these uncertain times, ensuring that even in the face of the most daunting health adversities, you are never alone. Our Catastrophic Membership would cover things such as surgeries, pregnancy and childbirth, and hospitalization, etc.
Zion HealthShare x CoreMed
CoreMed is partnered with a nation-wide healthshare company that provides support for our catastrophic plan, which would cover things such as surgeries, pregnancy and childbirth, and hospitalization, etc.
COREMED FAQ
What is CoreMed?
CoreMed is a company providing innovative healthcare solutions through a Membership Healthcare model and Health Cost Sharing company. We are currently serving Montana with our Primary Memberships and residents nationwide with our Catastrophic Membership. **Washington State Residents are excluded from all memberships
What is Membership Healthcare?
Membership Healthcare is a new way to get the care you need. Through your monthly membership fee, you gain access to local health providers. Instead of paying insurance premiums and deductibles, you pay a flat membership fee.
What is Health Cost Sharing
Health Cost Sharing is an affordable way to pay for major health events such as surgeries, pregnancy and childbirth, and hospitalization, etc.
Each month the members contribute a fixed amount towards the sharing community. Then, when a member has a medical need, the cost-sharing community steps in to ensure the need is met.
There is currently over $1 Billion shared each year in the Health Cost Sharing industry.
What is Zion Health?
Zion Health is a health cost sharing company that CoreMed partners with to cover your major heath events.
Can I keep my current primary care provider under CoreMed Health?
With a CoreMed Health membership, you have access to local providers who provide a high standard of care. If you choose to keep your current provider, and he or she is not part of the CoreMed Health program, those visits will not be covered by your CoreMed Health membership.
What is the process for accessing medical care and services through CoreMed?
Upon enrollment, our members have access to a member portal which contains program information, along with all of the available providers in their area. Accessing care is as easy as calling one of the providers and scheduling an appointment time that is most convenient for you.
I am a business owner, if I choose to offer CoreMed Health to my employees, is there a minimum number that must enroll?
CoreMed Health is truly customizable for all of our members, both individuals and businesses. Businesses are able to offer CoreMed Health to eligible employees and have the flexibility of building whatever plan works best for their team.
Why should I choose CoreMed?
Core Healthcare is an affordable program that truly promotes wellness, regardless of your current life situation. We believe in giving the power back to the people when it comes to your healthcare needs.
How do I cancel my membership?
You can cancel your membership by emailing us at info@coremedhealth.com. Individual memberships require a three month minimum and we require a 30 day notice for cancellation. We do not require minimums for businesses.
PRIMARY DETAILS
How to utilize my Primary Membership?
What prescription medications are covered under CoreMed Health's membership plan?
CoreMed offers 72 prescription medications that are available at no extra costs to our members. If you currently take a medication that is not listed, one of our team members would be happy to assist you in finding you the lowest cost for that medication at one of our pharmacy locations.
**Check out our list of covered prescriptions here**
What regions cover dental?
Dental is currently available in Eureka and the Flathead valley.
Dental Benefits Include:
Bi-Annual Cleanings
Yearly X-rays
Provider Visit
When will Primary be available in my region?
CoreMed is continually expanding our provider network and looking to bring CoreMed Primary to more region across Montana and eventually the country. If you are a provider who would like to be apart of the Core Community please reach out to info@coremedhealth.com
CATASTROPHIC DETAILS
Zion Member Guidelines
To learn more about medical costs eligible for sharing.
**Check out Zion HealthShare Member Guidelines Here**
**May 2024 Zion HealthShare Member Guidelines Updates**
Pre-Existing Health Conditions Guidelines
To keep membership contributions low for all members, we implement a waiting period for sharing of medical conditions that existed prior to a member’s membership start date. We call such medical conditions: pre-membership medical conditions. This section defines pre-membership medical conditions and outlines related sharing limitations.
**Check out Pre-Existing Conditions Here**
Preventive Sharing Guidelines
Annual provider visits and other preventive services are available to you without the need to meet your IUA.
One annual Provider visit per year up to $175 shared.
One preventive, annual mammogram at no additional cost beginning at age 40. Mammograms are shareable after 6 months of continuous membership.
Colonoscopies are shareable every 10 years starting at age 45. Colonoscopies are shareable after 6 months of continuous membership.
Youth Immunizations (up to 18 years old) are sharable after 6 months of continuous membership or upon birth if born through an eligible Maternity Sharing Request.
**Check out Preventive Sharing Guidelines Here**
Pregnancy Sharing Guidelines
Comprehensive and Catastrophic members that become pregnant after their first day of enrollment will be covered immediate for sharing.
Abortions and fertility treatments are not considered to be a sharable need.
**Check out Pregnancy Sharing Guidelines Here**
Submission of Sharing Requests
Sharing requests should be submitted through the Member Portal, as soon as possible. Most nonemergency sharing requests, such as surgical procedures, should be submitted prior to the date of service.
Members may contact Zion HealthShare directly during business hours for help with this process.
Contact the Member Care team:888-920-9466
member@zionhealthshare.org
In order to be eligible for sharing, sharing requests and each itemized bill and statement must be submitted within six months of the date of service. The IUA must also be paid within six months to be considered for sharing. When submitting a sharing request, members should submit any documentation received from their provider. Zion HealthShare may request additional documents that may be required throughout the sharing request process. Document types can include, but are not limited to, receipts, proofs of payment, itemized bills and statements.
Original, itemized bills and statements should be submitted promptly to Zion HealthShare along with the sharing request form for us to process the sharing request as soon as possible.
**Check out Zion Request Guidelines here**
What is an IUA?
The initial unshareable amount, or IUA, is the amount a member will pay per medical need before the Zion HealthShare community shares in medical expenses. Zion HealthShare has three IUA options: $1,000, $2,500, and $5,000. The lower your IUA, the higher your monthly contribution will be.
Medical expenses are only shareable after members have met their IUA. Members should provide documentation to Zion HealthShare of all payments that may contribute toward the member’s IUA.
The IUA must be paid within six months of the date of service or bills may become ineligible for sharing. Consideration will be given for situations where the cost of treatment has not exceeded the IUA after six months for certain sharing requests.
**Check out Zion IUA Guidelines here**
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