Designed to avoid tax penalties, provide all ACA Preventive Care and allow access to an HSA with verifiable 1099 or Business ID.
  • Chat with a Doctor, Pediatrician, Specialist or Women's Healthcare Provider 24/7/365.
    Communicate with a dedicated physician within 60 seconds from phone or internet with an easy, intuitive chat interface. No time limits so you can build an ongoing relationship with a doctor you trust. This service is at no additional cost through a HIPAA compliant platform.
  • Access to Behavioral Health Resources
    Access to psychologists, psychiatrists and licensed therapists for treatment of anxiety, depression and other emotional health conditions.
  • Flexible Communications
    Chat first or escalate to phone or video depending on severity.
  • Referrals to in-person care
    If an in-person visit is required, our Virtual Healthcare Physician will make recommendations for care.
  • Ongoing Care Communication
    Your Virtual Healthcare Physician can have access to your medical records through the Personal Medical Records Vault so every call is a continuation of the last.
  • Pharmacy Consults
    Available for pharmacy or medication questions.

(MEC) Minimum Essential Coverage Plan

Provides all 93 preventative and wellness services as outlined in the Affordable Care Act (ACA). You have access to free preventive services like flu shots, check-ups, and screening tests. Getting these recommended services is an important step toward good health and well-being.

  • Annual Physical including labs
  • Mammograms and Colonoscopies

See a list of all covered services: https://www.healthcare.gov/coverage/preventive-care-benefits/

The MEC is what allows this option to meet the individual mandate.

Care Concierge Team

A team of dedicated agents that will help you navigate health care and receive the best care possible.

  • Navigation & Negotiation
    When an in-person visit is necessary, our Care Concierge Team provides navigation and research to find high quality. fair price providers. They also provide price verification and negotiation for services under $5k.
    *For larger expenses over $5k, like a referral for a hip replacement procedure, Care Connect is the best way to access service.
  • Cost and Quality Shopping
    Shop for high quality affordable healthcare, compare price ranges and view quality ratings for doctors and hospitals.
  • Care Connect
    Care Connect delivers next-generation healthcare transparency to members by identifying and partnering with the highest quality providers and negotiating a single bundled payment for surgical cases over $5k.

Pharmacy Benefit Plan

A better way to manage maintenance medications

HIPAA Compliant International & multi-platform support. Our program searches six U.S. platforms, the World Drug Market and Pharmacy Assistance programs for the best solution for each or our members.

  • The Pharmacy Benefit Plan gives you the real prices (aka we skip the “markups and fees” part) on your prescriptions and tells you the pharmacy where you can get them.
  • Enter your prescription information into our search engine and we will give you a list of your local pharmacies and the cost of your prescription at each location.
  • Look through your list of options and decide which is the best pharmacy for you.
  • Keep a full history of your prescriptions, so you can see what medication you have taken, and when.
  • Access to all Manufacturer Savings Programs, Patient Assistance Programs and other savings and discounts offered by pharmaceutical manufacturers.
  • For more expensive medications we have resources who can get medications overseas to our members at a better cost. They help with high cost maintenance meds like insulin, medicated creams, and asthma inhalers.

Health Savings Account compatible

A tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in MPB Secure that can be used to pay for medical expenses with before tax dollars.

  • HSA funds stay with you when you change jobs or retire, you own the account
  • Money you don't use in your HSA rolls over from year-to-year and earns interest tax-free
  • Saving for retirement. After age 65, HSA funds can be used for any purpose without penalty
  • Options for self-directed investments that can potentially grow your savings for healthcare or retirement

Special Membership features

  • Member Assistance Plan
    Focuses on eliminating many things that compromise productivity or quality of life. Includes substance abuse, ongoing depression or anxiety, financial concerns, relationship problems and more.
  • Personal Medical Records Vault
    Secure and accessible emergency profile and personal health records. Members can grant access to their Electronic Medical Records to practitioners, providers, facilities, etc. providing continuity of care. Health Tracking provides family members and caregivers the ability to easily and privately record vital health observations.
  • 24/7 Emergency Assistance with your Personal Life Code allowing medical professionals instant access
    The Personal Medical Record Vault provides members with secure emergency personal medical profiles & five-digit LifeCode IDs. Members can access and safely share their medical records, track health conditions and get better healthcare solutions.
  • Healthcare Discounts
    Eligible members will have access to practitioners, lifestyle products and other resources that are not covered by traditional benefit or insurance programs. The online portal is easy to access, connecting members to a discounted network of vetted alternative medicine practitioners, lifestyle products, and other products. No pre-authorizations are needed, there are no claims to file and members will receive discounts directly to their email
  • Well-being Platform
    Members fill out an online health risk assessment which assesses diet, exercise, and lifestyle habits. The results give members tips, tools, guidance and education to help them become and stay healthy.

Large Medical Expenses

Use Medical Cost Sharing for catastrophic expenses

Initial Unshared Amount (IUA) Options - Choice of $1000, $2000, or $5000.

Maximum Number of IUA’s Annually - 3 per membership unit

Medical Supplies - Medical supplies directly aid in the treatment or recovery of a sharable medical need and generally shareable within 120 days of the treatment start date as prescribed by a licensed medical provider. Supplies costs need to be over $100 to be shared. Zion Health will share in the retail or fair costs when applicable and encourage members to utilize alternative vendors such as local pharmacy or medical supply stores.

Prescription Drugs - Prescriptions for medication(s) that are billed by a provider and are related to a qualified Need are also considered sharable. With your Medical Cost Sharing providers approval, large prescription costs associated with a Need that are filled at the pharmacy can be shared.

Pre-Existing Conditions - 24-month look-back: no coverage for the first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond. (Exceptions for High Blood Pressure, High Cholesterol & Diabetes)

Maternity Benefits - Two Initial Unshareable Amounts (IUA’s) are applied to a single maternity need. Any pre-birth or post birth need of the child will be considered a separate need from the mother’s maternity care. Pregnancies are considered pre-existing if the pregnancy start date is within the first 60 days of the membership effective date.

Therapies - Physical Therapy - Shareable for inpatient treatment/up to 35 outpatient sessions per need. Speech Therapy - Shareable in relation to an illness, injury or accident/up to 35 outpatient visits per condition. Occupational Therapy - Shareable for inpatient treatment and up to 35 outpatient sessions per need, up to $7,500. Therapeutic Massage Therapy - Shareable if prescribed by a licensed medical provider related to a shared need, up to 25 sessions and up to $3,000.

Mental Health - Medications and other care is not shareable for the treatment of any mental health related illnesses unless approved by your Medical Cost Sharing provider. Sharing is limited to $3,000.

Alternative Care Treatment - Alternative medical treatments can be shared with the Medical Cost Sharing community. These alternatives generally should be considered safe and effective while being an alternative to a traditional treatment plan. Needs may be considered shareable pending prior written approval by your Medical Cost Sharing provider. Member is required to demonstrate the proposed value of the alternative treatment.

End of Life Assistance - For a Member, and/or his or her dependents, who die(s) after two years of uninterrupted Membership as a Sharing Member, financial assistance to the surviving family will be provided by the Members according to the following schedule, upon receipt of a copy of death certificate, and as listed on the Member enrollment.

$10,000 Primary Member, $10,000 Dependent Spouse, $2500 Dependent Child

Tobacco Use - $50 monthly surcharge per household.

Sharing Limits - No annual or lifetime limits unless restricted by a pre-existing condition.

Please visit the link below for the most up-to-date guidelines

https://zionhealth.org/membership-guidelines/

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Zion Health is not an insurance company. Neither this publication NOR membership in Zion Health are issued or offered by an insurance company. The purpose of these membership guidelines is to help Members understand and identify medical needs that qualify for potential reimbursement and the process by which reimbursements are made. The membership guidelines are not for the purpose of describing to prospective Members what amounts will be reimbursed by Zion Health. While Zion Health has shared all Eligible Needs of its Members to date, membership does NOT guarantee or promise that your Eligible Needs will be shared. Rather, membership in the Zion Health community merely guarantees the opportunity for Members to care for one another in a time of need and present their medical needs to other Members as outlined in these membership guidelines. The financial assistance Members receive will come from other members’ Monthly Contributions that are placed in a Benevolent Fund, and not from Zion Health.

THIS PUBLICATION AND MEMBERSHIP IN ZION HEALTH SHOULD NEVER BE CONSIDERED A SUBSTITUTE FOR A HEALTH INSURANCE POLICY. IF THE MEMBERSHIP IS UNABLE TO SHARE IN ALL OR PART OF A MEMBERS ELIGIBLE MEDICAL NEEDS, EACH MEMBER WILL REMAIN SOLELY FINANCIALLY LIABLE FOR ANY AND ALL UNPAID MEDICAL NEEDS. THESE GUIDELINES DO NOT CREATE A LEGALLY ENFORCEABLE CONTRACT BETWEEN ZION HEALTH AND ANY OF ITS MEMBERS. NEITHER THESE GUIDELINES, NOR ANY OTHER ARRANGEMENT BETWEEN MEMBERS AND ZION HEALTH, CREATE ANY RIGHTS FOR ANY MEMBER AS A RECIPROCAL BENEFICIARY, A THIRD-PARTY BENEFICIARY, OR OTHERWISE. AN EXCEPTION TO A SPECIFIC PROVISION OF THESE GUIDELINES ONLY MODIFIES THAT PARTICULAR PROVISION AND DOES NOT SUPERSEDE OR VOID ANY OTHER PROVISIONS. THE DECISION BY ZION HEALTH TO REIMBURSE A MEMBER’S ELIGIBLE NEEDS DOES NOT AND SHALL NOT CONSTITUTE A WAIVER OF THIS PROVISION OR ESTABLISH BY ESTOPPEL OR ANY OTHER MEANS ANY OBLIGATION ON THE PART OF ZION HEALTH TO REIMBURSE A MEMBER’S ELIGIBLE NEEDS.

Standard 1-5 business days $7.95
Two Day 2 business days $15
Next Day 1 business day $30
* Free on orders of $50 or more


PRODUCTS

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Fulfill the dream of living a longer, healthier, happier life. Improves Access, increases Continuity, and lowers the Cost of Care.
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Designed to avoid tax penalties, provide all ACA Preventive Care and allow access to an HSA with verifiable 1099 or Business ID.
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Requires a verifiable Direct Primary Care (DPC) relationship with sharing for large preventive expenses and catastrophic needs.
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For those without coverage or as an add-on to provide improved Access and Continuity to another healthcare plan