Zion HealthShareReviews of zionhealthshare.org

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.

Zion seemed to be a really great alternative to regular health insurance at first. Everyone was very polite and caring...until I had to make a claim! It's now been in the works for several months and they are doing everything they can to get out of reimbursing me. At the beginning of this year, I had a tooth that had to be pulled. There was an infection that turned out to be cancerous. We thought I would have to have a (major) surgery to remove it and re-construct my mouth. Before they could plan on this surgery, we had to do a PET/CT scan to see if ther was cancer anywhere else. Turned out I have stage four lung cancer, cancer in my spleen and in my lymph system. I have been given roughly six months or so to live! I have shelled out over $8,000 so far and now Zion is trying to get out of reimbursing me because "there is not enough evidence that the oral cancer is related to the lung concerns." Concerns?! I was just given a death sentence and you call them concerns? I am really disappointed with Zion. I haven't had to see a doctor in nearly 20 years. And now with this going on Zion is stalling and doing everything they can to keep from re-imbursing me! Not happy!

*Almost* Had a perfect experience with Zion. We were with zion for 4 years, and we got pregnant last year. After our IUA, they covered all of the maternity bills. A year later, we received a collections notice from our Anesthesiologist that one bill was never paid, and is now sitting in collections. We were adamant of sending over any medical bills to Zion immediately, so this came as a surprise. I reached out to Zion about the confusing situation, and since the bill was older than 6 months, they refused to cover the bill. So even though it was a maternity bill, that occurred during the pregnancy, and we never knew about the bill going delinquent, they refused to honor their end of the bargain. Now we're scrambling to make arrangements to get this bill out of collections with zero help from Zion. Pretty disappointed. Their poor policies has put quite a burden on our family, and now we no longer trust the HeathShare system, let alone Zion.