Universal HealthShare
Plan information, FAQs and get instant quotes on all Universal HealthShare Plans!
By Misty Berryman – Updated Aug 16, 2024
Reviewed by Christine Corsini – Fact checked by Leslie Jablonski
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All You Need To Know About Universal HealthShare
Universal HealthShare is a health-sharing plan in which members contribute monthly to a pooled fund that is used to share medical expenses among the community.
It offers a cost-effective alternative to traditional health insurance, emphasizing community support and mutual aid. It also allows for flexibility in choosing healthcare providers and can cover a range of medical expenses.
Read More: Download the Brochure.
Cost-Effective:
Lower monthly contributions compared to other health sharing plans.
Provider Flexibility:
Freedom to choose healthcare providers without network restrictions.
Comprehensive Coverage:
Wide range of eligible medical expenses, including preventive care and emergency services.
Transparency:
Get a Quote & Enroll in Universal HealthShare Today
Join the hundreds of thousands of Universal HealthShare plan members that have discovered Universal HealthShare works for their family’s healthcare needs.
- You’ll be asked to enter some basic information about your age, your spouse’s age (if any), your location, and the size of your household. Just follow the prompts at each screen.
- Click View Quotes
- Pick your start date, confirm your zip code, date of birth, and number of people to be covered.
- Choose what Annual Household Portion you would like. This is the amount you pay before Universal starts paying the bills. You can choose $3000, $6000, $9000, or $12000.
- If you are a member of a Direct Primary Care (DPC) practice, you can choose the Direct Primary Care option which will also reimburse you up to $1800 for your DPC fees.
- Highlight the plan you want, then go to the bottom of the page, and fill in the fields you see.
- You’ll be taken to another page to enter the name and info of everyone that will be enrolling.
- After submitting this information, you’ll receive an email directing you how to make payment, and submit any further information that Universal may need.
Universal HealthShare Pros & Cons
Thinking of switching to Universal? Here are pros and cons to be aware of.
Universal HealthShare Pros
- Universal HealthShare often boasts a wide network of healthcare providers, giving members more options for receiving care.
- It offers extensive sharing for various medical needs, including preventative care, primary care visits, specialists, emergency care, and major medical expenses.
- Universal HealthShare provides transparent information about monthly contributions and out-of-pocket costs, which can help with budgeting.
- Comprehensive maternity benefits are available, but there are waiting periods and limitations on pre-existing conditions and complications.
Universal HealthShare Cons
- Coverage for pre-existing conditions is subject to waiting periods.
- Health sharing plans, including Universal HealthShare, are not insurance and do not guarantee payment for medical expenses. This can lead to uncertainty in coverage.
- Not all healthcare providers accept health share plans, which can limit options for care.
- It offers limited coverage for preventive care services compared. The Universal brochure explains more.
Expand Your Universal HealthShare Benefits with HSA MEC
Complement your Universal HealthShare coverage with the HSA MEC, brought to you by HSA for America. This HSA-qualified, preventive-only plan is tailored to augment your Universal HealthShare plan, offering extensive tax advantages and enriching your healthcare savings.
Advantages of Universal HealthShare with HSA MEC:
- Tax Savings: Enjoy impressive tax deductions and tax-free growth on your investments.
- Optimal Investment Opportunities: Benefit from HSAs’ top tax-favored investment capabilities.
- Global Medical Use: Employ your tax-free savings for any healthcare need, anywhere.
Leverage the full benefits of your Universal HealthShare plan with HSA MEC.
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Frequently Asked Questions About Universal HealthShare
[Universal HealthShare FAQ]
Q: How does Universal Healthshare work?
A: When a member has an emergency or a medical encounter, they are free to visit a provider anytime but their program may or may not share the expenses.
Most of the programs have a list of eligible medical expenses, waiting periods, pre-existing limitations and members must satisfy their program’s. Non-Shareable Amount (NSA) before cost-sharing is available. After the NSA is satisfied, the member’s hospital expenses can be shared up to the plan’s medical incident limit and annual limit.
In Most cases, hospitals will accept a Universal HealthShare Membership Card, and will then submit the expenses directly to Universal Health Fellowship. A smaller number of providers may choose to treat the member as a cash-paying patient. In this case, the member’s eligible medical expenses can be submitted directly to Universal HealthShare to determine the eligibility of the services and available reimbursements.
Always keep in mind, in most cases, a member must satisfy their NSA first prior to sharing. Members must notify UHF for all scheduled hospital procedures.
UHF also has a special team to help you navigate the challenges of the healthcare system and support your use of UHF health programs. If you are anticipating a surgery they can help you solicit up to 3 hospital quotes, as well as help you apply for any available financial aid.
For non-emergency medical needs, members can use telemedicine or they can visit a physician or urgent care facility subject to waiting periods and their program’s NSA).
Q: How much does Universal HealthShare cost?
A: Universal HealthShare programs start at around $186 per month. Your actual monthly sharing amount will depend on which specific sharing program you enroll in. Remember: The program with the lowest monthly rate is not always the most affordable overall, especially if you expect to use your sharing program.
Q: Which hospitals and providers can I use with Universal Healthshare?
A: Universal Health Fellowship uses no network for hospitalization.
Universal HealthShare members can use any hospital in the continental U.S. for emergency care and inpatient hospitalization. However, the member must pre-notify Universal HealthShare before hospital admission in advance, except for emergencies. For physician, urgent care, and specialist visits UHS uses the Multiplan. PHCS Physician and Ancillary network, which has over 700,000 locations nationwide. You can access the provider search here.
Q: Do Universal HealthShare members share for pre-existing conditions?
A: Yes, but with a one-year waiting period and in most cases a 36 month look back period prior to enrollment .
During the second and third year of membership, pre-existing conditions are eligible for sharing up to $50,000. On the fourth membership year, the condition is no longer considered pre-existing and is eligible for full sharing up to program limits.
Q: Is Universal HealthShare available in my state?
A: Universal HealthShare is available in 39 states. It is not available in Alaska, Connecticutt, Hawaii, Illinois, Iowa, Maine, Maryland, New Hampshire, Pennsylvania, Vermont, Washington, or any U.S. territories.
We’ve helped over 16 thousand people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
We’ve helped over 16 thousand people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Mike Montes (Personal Benefits Manager) was a great help! He helped me to find affordable health insurance, registered me in the system, and set up automatic payments for me. He also later helped me to find a primary care provider in my area. I was really pleased with his services!
Svetlana Nakrokhina, SC
Misty Berryman (Personal Benefits Manager) was fantastic to work with! I explained our situation/needs to her and she went through several options very thoroughly. We (Misty and I) worked through each of our options and determined the best path forward for my family. She is the best and any time we are in need of insurance, she will be our first call!
Travis Lawler, TN
Whitney (Personal Benefits Manager) is THE BEST in every way! She is always ready to help, extremely patient and persevering, knowledgeable, personable and so kind. You and the clients she serves are blessed to have her.
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The process of how everything went through the process and with Leslie (Personal Benefits Manager) was great! Things went smoothly and promptly, and all the information I needed was construed concisely.
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Whitney (Personal Benefits Manager) is THE BEST in every way! She is always ready to help, extremely patient and persevering, knowledgeable, personable and so kind. You and the clients she serves are blessed to have her.
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