How sharing works
Medical cost sharing, explained properly.
The Comprehensive membership includes sharing through Zion HealthShare, a non-profit community where members contribute monthly toward each other's eligible medical needs. It is not insurance, and it does not behave like insurance. These pages go through the parts that actually matter when something happens.
Start here
How a sharing request works
What you actually do when something happens, and the deadline most people miss.
The Initial Unshareable Amount
The part you pay yourself. It works per medical need, not per year, and that difference matters.
Conditions you had before joining
Something you were already being treated for is handled differently. Here is exactly how.
Maternity
Timing decides everything here, so it is worth reading before you need it.
What is not shared
The list nobody puts on a sales page. Some of it CoreMed handles anyway.
The short version
1 · Something happens
A surgery, an ER visit, a diagnosis. You choose where you are treated. There is no network.
2 · You open a sharing request
Before the appointment for anything planned. Within six months either way. Tell the provider you are self-pay.
3 · You pay your IUA, members share the rest
Eligible costs beyond your Initial Unshareable Amount are shared by the community.
Two things are worth knowing before you need them: the IUA works per medical need rather than per year, and a household never pays more than three in a rolling twelve months.
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. For the current rules in full, see Zion's Member Guidelines and their FAQ.