Zion Health Share

I joined Zion after I moved to a new city where my old HMO didn’t have much of a network. I like that I don’t have to stay within a network with ZIon and I can see whoever I want. The rates were much lower than my old HMO (Kaiser), and they have a strong package for maternity benefits, which I wanted.

There’s one downside customers should be aware of: With most insurance companies your deductible is per year. Same with most healthshare ministries I’m familiar with… there’s an annual contribution that functions like a deductible.

With Zion, they call at an “initial unshareable amount.” But it’s not per annum. It’s per INCIDENT.

So that’s just something to be aware of.

I bought a zion plan when i turned 26 and i got kicked off my parents insurance i coudn’t afford regular insurance but my neighbor told me about healthsharing and i found zion which was way cheaper. Im telling all my friends about it.

When we first signed up, Zion was super fast at paying eligible bills (two to be exact). But with this last eligible bill (same type as other bills that were paid before), their customer service has gone from great to super sketchy, and we are heavily considering finding a new healthshare to switch to if this continues.

We told them about the bill in December 2022, and they offered to do direct deposit into our account–but because we missed their phone call to accomplish that, they said they would send a check instead. Check never came, but due to travel we didn’t realize it until March 2023. We reached out in March, they said they would resend the check and it would be here within 2-4 weeks. We asked if they can do direct deposit into our account, and they said their systems aren’t capable of doing direct deposits (even though they JUST offered to do direct deposit 4 months before). A little off, but okay.

We reached out 4 weeks later, and they said they sent the check on March 20 and should arrive within 2-4 weeks. We reached out again later, and they said they actually didn’t send it on March 20, but on March 30, and it would arrive in 2-4 weeks. Exactly 4 weeks later on the day, they reach out and ask for our bank account number so they can do direct deposit! We give them the account number and STILL haven’t received the money. They will probably say it’s the bank’s fault, but what even happened to the first two checks that were supposedly sent? If they sent a check on March 20 or 30, why do they–exactly 30 days after “sending it,” the day when we’re supposed to have received the check–why do they reach out to give us a direct deposit (which apparently their systems cannot do anyway)? Is this because they never actually sent the checks in the first place, and with each “correction” they’re just trying to bide time from paying the bill? This is beyond ridiculous and there is clearly some dodgy business being done here, what with all the delays and excuses to avoid paying us our due.

I don’t know what’s happened with their systems, if they’re running out of money or what, but this is not okay and I’m getting fed up with their excuses and borderline lies. If I don’t get my bill paid soon, I am switching.

I’m a small business owner and Zion has been great for me and my employees. We started up the Essential Membership option for my workers and their families, They make the program easy to administer, and we’re able to provide better benefits to my workers than we ever could if we were stuck with traditional group health insurance.

Using healthsharing ministries like Zion is an affordable and realistic alternative to group major medical and has helped improve morale and make us more competitive. I would recommend to other businesses, and we plan to expand our relationship with Zion.

I had Kaiser for years. Then joined Zion because I wanted more freedom to see my own doctor, and because Kaiser premiums were getting out of hand. The lower monthly costs are a big help, and they’ve shared every bill just as they were supposed to. I’m a satisfied customer going on two years!

My family has a history of breast cancer. I’m 46 now. My mom died of breast cancer at age 48. but they told me they won’t cover a mammogram until I turn 50?!?! If they think mammograms are expensive, just wait til the see how expensive not having a mammogram is!

I dropped them and went back to real insurance. It’s more expensive but you get what u pay for!

I use the Zion DPC and my primary care doctor is the best I’ve ever had by far. He actually has time to talk to me during appointments. He told me a big part of that is the direct primary care model, which means he doesn’t need to carry a huge patient load and can spend more time with each patient.

Much better than regular insurance-based care! Very glad I made the switch to DPC!

Healthcare is all a price game. This was the cheapest plan I could find.

My DPC doctor was the one that told me about Zion. Now I’m covered for both my doctor visits and emergency care. It’s a lot like a ‘real’ insurance plan but only cheaper!

Zion lets you contribute to an HSA if you’re in the right plan. That was reason enough for us to switch. We’re paying a bit more than our old OneShare plan but Zion seems way better so far.

Meh. Their price is good, but I’m not thrilled about their customer service, particularly this one guy. Hopefully they have someone who actually listens to customer feedback and makes them feel heard. Emailed the manager and waiting to hear back.

Haven’t been to church in years. But Zion didn’t even ask. We thought Christian health insurance would be a bit stricter. They’ve actually been really welcoming.

My husband is almost 10 years older than me. He just turned 50, and his part of our plan got LOT more expensive than mine. We wish we would have gotten notification that our rated would be increasing that much.

We like the Zion Secure plan we picked. We have not been members that long, but like it so far.

We have been very pleased with our new Zion healthshare plan. We had been looking for a healthshare plan that works with an HSA and we’re glad we found the Zion Secure HSA plan. It’s been working great so far.