Zion HealthShareReviews of zionhealthshare.org

I was with Zion for years. Now they are slow. I have moved away.

I received a diagnosis from a doctor for a health condition I had. It happened about 4 years ago, and was the result of an assault. I’ve lived with that painful condition for this whole time. But I knew what it was; and I decided to live with it rather than have surgery. We signed up with Zion almost a year ago. Shortly after signing up, I went to see my new concierge doctor and mentioned the ongoing health condition. He sent me to a specialist, who said the condition was a tumor. This is absolutely not what I was told by the first doctor; and the symptoms I had had for 4 years had not changed since the assault and then the diagnosis. It turned out to be cancer. And Zion decided that since I had symptoms before we signed up - though I knew for a fact these were from the assault and had no way of ever even imagining anything had changed medically since that diagnosis - they will not cover the cancer treatments. Without assurance that my treatment will be covered by an insurance company, I can’t get the chemotherapy I was supposed to get. The type of cancer I have is known for spreading rapidly; and it has spread, and the doctors think it will continue to spread. Right now, they believe I could be healed (with proper treatment) within 3 months. But because Zion has denied I’m starting with nothing to try to get what I need, while precious time slips by. I just wanted to warn others: if you have been properly diagnosed by a medical professional with a certain type of illness, but it either turns out the doctor was wrong, or the illness somehow changed at some unknown time into something else, Zion most likely will not cover your problem. Please consider saying a prayer for me, that the cancer will not spread any more than it already has as we try to figure out what to do next. We trusted in the wrong sources, and I might end up paying with my life.

I have had Zion HealthShare since 2021. In that time, I have submitted multiple medical bills, both small and larger. It was easy to upload the needed documents and EVERY TIME they paid for my medical bills within 2 weeks. They are great to work with and I have been very happy with my experience. The ONLY thing I have to say about ANY health share is this: read the member guidelines, make sure you understand what a pre-existing condition is (and how a health share handles it).

I had unexpected pelvic floor pain during my time with Zion that proved very difficult to diagnose in regards to root cause. I met my IUA of $5,000 mostly undergoing conservative therapeutic type treatments and Zion did cover some pelvic floor PT therapy sessions after I met my IUA but they fought me every step of the way regarding further diagnostic tests and treatments my direct primary care doctor was recommending when I was still in pain. I was told by the head adjudicator without the diagnostic test, there would be no further approval for sharing so I took the chance and had a MRI, which revealed a torn hip labrum. When I finally found out I had a torn labrum in my hip, I was told the expenses related to that would be shareable but I would be responsible for a new IUA. I had a client advocate who would help with my case but it seemed they dissolved that position or disallowed me to continue with that person. Towards the end of this fiasco after being told my initial sharing need could not be considered for further sharing, I was put on speakerphone with a manager and the head of the adjudication department, and neither had acceptable answers as to why I would be required to meet an additional IUA when it was for the exact same need I was initially seeking relief from. Further, they had sent an email stating up to that point, bills I had already turned in would be shareable but anything beyond that particular date would be subject to a new IUA, so I at least wanted reimbursement as the email promised for everything up to that point, but the two women kept putting me on mute to discuss between themselves and then came back, and told me that the email was confusing but the window was three months prior. It was a very uncomfortable, stilted conversation with them placing me on hold several times and really not being able to answer any of my probing questions regarding my seeking help with the same exact initial pain I had communicated for which I had already met my IUA but since they are technically not insurance and there's no oversight, I really had no recourse, and felt very helpless.

Not a fan for several reasons. My employer said they offer health insurance and gave us Zion HealthShare which is not insurance. We had another similar health share company before, and I was able to utilize enough of that program to see it as helpful. Zion HealthShare has been a serious downgrade from the previous company. For starters it is difficult to understand what is covered and information is not easy to find. Part of that is our employer's fault, but the Zion Health Share website is vague, and the customer service has been lacking. Our company purchased some kind of preventative add on and I'm still baffled as to what is actually covered. I scheduled a physical for myself and paid more than half of the bill and there were zero blood tests done. My entire physical and blood work were covered by our old health share company, and they even came to our place of employment to conduct the physicals. With Zions, other than the small fraction of my physical being covered, it turns out I will need to pay 100% up to $1,000 in order to just file a claim for the health share element of the program. So, this program my company purchased is worthless to most if not all of its employees unless something catastrophic happens. Even then, we will need to pay up front for all costs before hoping to get a claim accepted and money returned. I don't have that kind of money. This should not be marketed to employers who are stating it is insurance for their employees. I feel duped by my employer and can't even understand the purpose of a health share for anyone living in middle to lower class.

I cannot express enough how much I enjoy every interaction with the agents at Zion HealthShare. Whether it's a processor for a request or just a member care agent, everyone is so kind and respectful. I appreciate how willing they are to stay on the phone and answer all of your questions thoroughly, even if you have a lot of them. As long as you understand the guidelines, you can use their service to your advantage. It's so nice that as long as you've met your portion of the expenses and the rest are covered costs, they will pay for everything else over your portion. They handle things much faster than even traditional insurance does without the hassle of trying to decipher an EOB. I highly recommend using them.

Zion is a great company who actually care about how their members are treated

I’ve been with Zion HealthShare for a while now, and overall, it’s been a really positive experience. One thing I especially appreciate is their emphasis on preventive care. They make it easy to take proactive steps for your health, and I’ve found that taking advantage of those services not only gives me peace of mind but also helps avoid bigger issues down the road. The preventive services are straightforward to access, and Zion HealthShare does a good job outlining what’s available and how to get reimbursed. Things like annual checkups, screening for a mammogram or colonoscopy, and well child visits are eligible under their preventive care, and they genuinely encourage members to use those services—which isn’t always the case with traditional health insurance. It’s clear that Zion is focused on long-term health, not just reacting to problems. I’d definitely recommend that new members take the time to read through what’s offered and make use of the preventive services early on. It’s a great way to stay ahead of your health and make the most of what Zion offers.