CARE+
Membership details, FAQs, and instant quotes on CARE+!
By Lou Spatafore – Updated Feb 24th, 2026
Reviewed by Whitney Kline – Fact checked by Leslie Alford
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All You Need To Know About CARE+
Join CARE+ today and take the first step towards a healthier, happier you.
This innovative health sharing membership, powered by Zion HealthShare, is designed to help members share eligible medical expenses while prioritizing your individual health needs.
This budget-friendly health sharing solution is designed for statutory employees rather than business owners or independent contractors.
CARE+ is closely based on our popular HSA Secure membership. It provides the same support for unexpected medical bills, and uses the same nationwide network of providers, at a slightly lower monthly cost.
However, unlike HSA Secure, CARE+ does not include preventive care and is not compatible with health savings accounts (HSAs) at this time.
Read more: Download the Brochure.
Designed for W2 Employees or People Not Working:
Flexible membership options for various employment statuses.
One of the Lowest Cost Health Sharing Memberships Available:
Affordable health sharing with budget-friendly contributions.
Substantial Support for Large Medical Expenses:
Meaningful sharing support for large medical bills.
Does Not Include Wellness Visits or Preventive Care:
Routine check-ups and preventive services are not eligible for sharing.
Mental Health/Counseling Support Available:
Access to professional mental health and counseling services.
Free, Unlimited Telehealth Visits:
Consult with healthcare professionals remotely at no extra cost.
Get a Quote & Enroll in CARE+ Today
Join the CARE+ members who have discovered CARE+ works for their family’s healthcare needs.
Powered by Zion HealthShare
- Select your State, and then click the INSTANT QUOTE button.
- You’ll be asked to enter some basic information about your age, your location, and the size of your household. Just follow the prompts at each screen.
- Click Submit to view quotes.
- Once you review your quotes, click the Apply Now button.
- On the following screen, click the ENROLL TODAY! button.
- Follow the instructions on the next page to signup.
CARE+ Pros & Cons
Thinking of switching to CARE+? Here are pros and cons to be aware of.
CARE+ Pros
- It offers low monthly contributions making it one of the most affordable health sharing memberships available.
- Sharing limits are generous for most eligible medical needs. Ask your Personal Benefits Manager for details.
- It does not have any height-weight restrictions or “rate-ups”. It accepts members regardless of their height and weight or body mass index.
- It offers a Concierge service to help you navigate the medical system, suggest or recommend quality care providers, and help you find the best pricing possible.
CARE+ Cons
- It does not offer any wellness or preventive care. It lacks sharing for routine wellness visits and preventive services, which are often included in other health sharing memberships.
- While large medical expenses are eligible for sharing, the exclusion of preventive care could lead to higher overall healthcare costs for some members.
- It does not share for mammograms or colonoscopies.
View CARE+ Memberships & Pricing in Your Area
or compare CARE+ to other HealthShare options available at HSA for America
Frequently Asked Questions About CARE+
Q: Once enrolled, can I change my Initial Unshareable Amount?
A: Yes. Members can change their IUAs once per membership year. However, if you lower your IUA, the change will be subject to a 60-day waiting period for illnesses. Your IUA for accidents will be lowered right away.
Q: How is a pre-membership medical condition defined?
A: A pre-membership medical condition is anything where an individual member has experienced one or more of the following: been examined, been diagnosed, taken medication, had symptoms, a personal history of or known increased risk of conditions that may arise or worsen in pregnancy, or received medical treatment, within the 24 months prior to their membership start date. Sharing requests related to pre-membership medical conditions are only eligible for sharing if the condition was regarded as cured or did not require treatment or present symptoms for 24 months prior to the membership start date.
Note: High blood pressure, high cholesterol, and diabetes (types 1 and 2) are not considered pre-membership medical conditions, provided the member has not been hospitalized for the condition in the 12 months prior to enrolling and the condition is controlled through medication or diet.
Q: Are cataracts a pre-membership medical condition?
A:Yes, cataract surgery is treated as a pre-membership medical condition and is subject to a one-year waiting period before it is eligible for sharing. Age-related cataracts requiring multiple procedures may be shared with one IUA if the second procedure is completed within three months of the first. Non-age-related cataract surgery requiring multiple procedures requires two separate IUAs.
Q: How soon do I need to submit supporting documentation if I have a sharing request?
A: You should submit physician and hospital invoices and other supporting documents to CARE+ as soon as possible. Medical needs will not be shareable if you do not submit the required documentation within six months.
Q: Does CARE+ share hearing treatment expenses?
A: Audiological treatment to correct hearing loss is shareable.
Q: Are chiropractic visits eligible for sharing?
A: There are two kinds of circumstances that may apply to chiropractic care.
If the chiropractic services are related to the treatment of a specific diagnosed disease or musculoskeletal injury, then up to 35 treatments or $7,500 per medical need may be eligible for sharing.
All other chiropractic treatments not related to treating a diagnosed injury or disease will be treated as alternative medical therapies, and subject to the extra limitations described in the alternative medical treatments question below.
Q: Does CARE+ share alternative medical treatments?
A: Yes, subject to some caveats.
Under the CARE+ membership, most expenses for alternative medicine treatments are shareable, provided they are preauthorized, and meet the additional sharing criteria described below.
For an alternative treatment or therapy to be shareable, it must be considered safe and effective by CARE+ administrators. When requesting CARE+ to share the cost of alternative medical treatments, you should be prepared to demonstrate the proposed value of the treatment.
You’ll also need to provide an explanation of why the alternative treatment was selected, and your physician’s notes on your current condition. The CARE+ Concierge team may be able to help you obtain these notes.
You will also need to provide the estimated cost of the proposed alternative therapy.
You should always ask your provider for their best cash price before submitting the request.
CARE+ considers alternative medical treatment requests on an individual, case-by-case basis. CARE+ may impose limits on the number of visits or total shareable cost, depending on the service.
Once an alternative therapy is approved, further sharing may be limited if you decide to return to traditional care methods.
If you decide to pursue an alternative therapy or course of treatment, CARE+ is there to help. CARE+ has a contract with Tivity Health to provide members with a network of alternative health doctors that provides discounts of 10% to 40%.
Tivity Health also provides discounts on dental, hearing, weight loss, pain management, yoga, tai chi, and other exercise therapies, acupuncture, chiropractors, and massage.
Contact your concierge for more information and to preauthorize alternative medical treatment costs.
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