Impact Health SharingReviews of impacthealthsharing.com

I'm probably one of the first members of Impact Health Sharing and enrolled in early 2020. My traditional insurance cost was up to $800 a month at that time for 10k deductible. I signed up with Impact knowing it wasn't true health insurance, but I felt it offered a viable alternative at about 1/3rd the cost at that time for a $2500 annual "deductible". I was always healthy, but in January 2024 I was diagnosed with highly malignant prostate cancer. I religiously followed the Impact guidelines by getting pre-authorization when required and making sure bills were submitted properly. Other than my out-of-pocket requirements, the medical expenses of around $80,000 were paid without any issues. It was a positive experience during a very stressful time. I am in remission now and doing well. I begin Medicare soon and without any hesitation, I will be transitioning to Impact's "senior" plan for my Medicare "gap" coverage. There is no perfect health coverage out there, but my Impact experience has been much better than what I went through with traditional high-deductible health insurance plans. I have had nothing but positive dealings with Impact and their customer support have always been kind, respectful and helpful when I need a question answered or help in any way.

I have been a member since Impact started. I have used Impact more than I would like. Impact has done very well for me and my family. I have recommended this to friends and other family. If anyone has any questions or concerns, I recommend reaching out to any member. This has saved my family a lot of money.

Impact has saved us tens of thousands of dollars over the years vs. traditional health insurance. A great company and great people to do business with. We have been with Impact Health Sharing since it started and have referred many of our friends to them.

After going more than seven years without health insurance, I discovered Impact Health Sharing, and I can honestly say it has been one of the best decisions I’ve ever made. Over the past six years, life has thrown some unexpected challenges my way. I fell off a ladder and fractured my skull, and I was also involved in a car accident that left me with a broken collarbone. These were serious, unexpected situations that reminded me just how important it is to have something in place when life takes an unexpected turn. Through it all, I’ve been extremely thankful that I found Impact Health Sharing. Having that peace of mind has meant more to me than I can put into words.

When my husband retired earlier this year, we were looking for insurance to bridge the gap until he is old enough for Medicare. We were informed by the agent that this WAS a form of insurance, and that it would pay for MD appointments, testing, and hospitalization. We later found that it has paid NOTHING for his MD appointments, and does not pay for hospitalizations or medical procedures. We tried to call them to cancel and they did not call us back. The website does not allow us to cancel online. The website does not allow to remove our credit card as the method of payment. Seems like a scam or at least, very shady and misleading company. We have filed a dispute with our credit card company.

We switched to Impact Health Sharing a year and a half ago when we realized my work provided health insurance policy had premiums going up in price again, while our deductibles continued to rise as well. We were paying over $24,300 in premiums and deductibles before any of the insurance kicked in. While we were nervous about switching, we made the jump and saved almost $14,000 on the out of pocket costs maximum. Our deductible was over $10,000, and with Impact it dropped to $2500 - at about half the premium. It was also more flexible in some ways as we were able to choose our doctor - not a carefully curated list of in-network doctors. I have had a busy health care year getting a colonoscopy, sleep study, sleep apnea diagnosis, and purchase of a CPAP machine. It has all been covered. After the first $2500 PRA (like a deductible), we only pay 10% of the cost - which they almost always get negotiated down. The only down side we've found was that in some instances providers refuse to bill a health sharing company, and as such you need to do some more legwork tracking down itemized billing statements, ICD-10 codes, Procedure codes etc. It can be a pain to get that stuff from providers. The savings, however, have made it worth it.

What makes this Healthcare even more meaningful is what happened while we were on vacation in Punta Cana. My husband dislocated his little finger, and we had to visit a local hospital. Since we were out of the country, we paid the bill upfront, which came to $1,274.20. Once we returned home, we submitted the bill to IMPACT Health Sharing. Since our PRA was already paid in full, they reimbursed us. About a month later, I received a check for $1,011.89, after my $150 copay and my 10% member responsibility. I was truly amazed to learn that Impact will share in eligible medical expenses anywhere in the world. That kind of peace of mind is priceless.

Our first month being on Impact my wife and I were traveling out of state for a wedding and she wasn't feeling well. There weren't any urgent cares near by so she called her doctor. Because we were out of state her doctor couldn't do anything for her. We then remembered we had free telemedicine with Impact so we followed the steps on the portal and a doctor called us back within 3 minutes, diagnosed her and called in a prescription at a pharmacy that was close by.