OneShare Health Plans
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OneShare Health is a health care sharing ministry founded by a team of expert health care professionals. OneShare Health offers three levels of health care sharing programs — Classic, Complete, and Catastrophic — for individuals and families.
These programs are not health insurance but rather health care sharing programs in which groups of like-minded people come together to share medical expenses. Though established as a faith-based program, OneShare is available to anyone who will sign their Statement of Belief.
OneShare Health Shared Expenses
The most popular program is the OneShare Classic Crown, which combines low contribution rates with a $1,000,000 lifetime maximum, and a $500,000 sharing limit per incident. Up to five doctor visits are included with a $20 visit fee.
The OneShare Complete provides some enhanced benefits, including unlimited doctor visits. Higher contribution amounts make this option not as popular as the Classic Crown.
The OneShare Catastrophic is is a less expensive designed for major expenses, and does not include doctor visits.
Money-saving Member Benefits
Annual preventative exams, including physicals, GYN visits, and immunizations, are eligible for sharing after a 90-day waiting period.
Talk to a doctor 24/7 for your acute care needs and even get a prescription if medically appropriate– all with a $0 consult fee.
Includes services such as primary care, specialists, urgent care, hospitals, outpatient therapy, and more depending on the program you enroll in.
100% shared up to $1,000
Diabetic discount supplies
20% – 30% off retail price.
Disposable medical supplies
20% – 40% off retail price
Dental discount services
Save 20% – 60% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as root canals, crowns and dentures. Save 20% on orthodontics
Prescription discount services
Access to over 60,000 pharmacies. Get 15% – 80% off on generic drugs and 15% – 25% on brand name drugs.
Vision discount services
Save 20% – 40% off the retail price of eyewear with the EyeMed Vision Care Access Plan D discount program. Discounts on exams, eyewear, and contact lenses from more than 90,000 providers nationwide.
All three programs have a choice of three tier levels to choose from – Basic, Enhanced, or Crown. There is a maximum lifetime sharing amount up to $1,000,000 depending on the tier level you enroll in. Monthly contributions start as low as $125 for individuals, $210 for individuals + one, and $310 for families.
OneShare Health PPO Network
The Provider Network for this membership is First Health, the nation’s first Provider Network specifically designed for a health sharing organization.
First Health’s network includes over 5,700 hospitals, over 120,000 ancillary facilities, and over 780,000 professional providers at over 1.5 million health care service locations in all 50 states.
- Contact your telemedicine provider if it is something you may be able to handle over phone or video.
- If you still need non-emergency treatment, contact OneShare’s concierge service or First Health, to find a provider.
Conditions and Restrictions
Because these programs are not traditional insurance, they are not regulated the same way insurance plans are.
Members are immediately eligible for sharing for accidents, injuries, or acute illnesses. There is a 90-day waiting period for all other medical expenses to be eligible for sharing.
Pre-Existing Condition means any sickness or injury for which you or your enrolling dependents received medical treatment, advice, care or services, including diagnostic measures, took prescribed drugs, or showed signs or symptoms whether treated or not, within 24 months before the Member’s effective date of their program. Eligibility for a Pre-Existing Condition has a 24- month waiting period. However, certain chronic conditions that require treatment to maintain current condition and prevent further problems may be eligible for immediate sharing.
In/outpatient surgery typically has a waiting period of 6 months, but life-threatening emergency services available immediately.
Once the individual share amount (ISA) is met, specialist visits and diagnostic imaging is eligible for sharing.
OneShare is not available in MD, MA, NM, PA, VT, or WA.
For a more in-depth look, please review the OneShare Classic brochure.
Frequently Asked Questions (F.A.Q.) – View Story
Q: What is health care cost sharing (Healthshare)?
A: Health sharing plans are a popular and affordable alternative to health insurance. These programs allow like-minded individuals to share the collective cost of health care.
Because healthshare plans are not regulated like insurance, they come with some additional restrictions.
Q: Does OneShare Health have waiting periods for pre-existing conditions?
A: OneShare members have to wait 24 months before pre-existing conditions are eligible for sharing. Accidents, injuries, and acute illnesses are all covered immediately, and there is a 90-day waiting period for all other medical costs.
Q: How do I become a OneShare member?
A: Simply set up an appointment with your Personal Benefits Manager. You can find all the contact info you need at the bottom of this page. You can also click the link above to run a quote and apply online.
Q: Will my doctor accept OneShare Health?
A: OneShare Health operates using the First Health Provider Network, which includes over 1.5 million health care locations globally. Your Personal Benefits Manager can help you find out whether your current doctor is on the list.
Q: How much does OneShare cost?
A: The cost of your new OneShare membership will depend on several factors. These include the number of people in your family, the state you live in, and the type of plan you select.
OneShare Catastrophic can be as low as $115 per month for individuals. The more comprehensive OneShare Complete is more expensive, but has no maximum limit on per-incident sharing. Run an instant quote on our website for rates in your area.
Ready to sign up for a OneShare plan?
To review rates and options and to enroll online, click here. Your membership can be effective as quickly as tomorrow.
If you’d like assistance comparing options and choosing a plan, schedule a call with one of our Person Benefits Manager, or give us a call at 800-913-0172.
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