HealthShare Membership
Support for Bigger Medical Needs
A HealthShare membership is a community-based way to help manage the cost of larger medical expenses. Members contribute monthly and share eligible medical costs according to established guidelines—without traditional insurance contracts or provider networks.
What you Can Expect
Support for eligible medical needs
Freedom to choose providers, without network restrictions
Defined member guidelines that outline what is eligible for sharing
Structured member responsibility, including an initial out-of-pocket
amount before sharing begins.
Support throughout the sharing process, from submitting requests to
coordinating payments
What Is HealthShare?
A HealthShare membership is a community-based way to help manage larger medical expenses. Members contribute monthly and share eligible medical costs according to established guidelines. HealthShare Memberships are not insurance
Understanding the Initial Member Responsibility (IUA*)
An Initial Unshareable Amount (IUA*) is the amount a member pays
toward a medical need before cost-sharing begins.
Once this amount is met for an eligible medical expense, additional Qualifying costs may be shared according to member guidelines.
Members can choose from different IUA levels, which generally affect the monthly contribution amount.
Frequently Asked Questions
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How HealthShare Works?
1.Receive Care
Members can see the provider of their choice and typically present as self-pay.
2.Submit a Sharing Request
Medical bills and itemized statements are submitted for review to determine eligibility.
3.Sharing Coordination
Once approved, eligible expenses are shared among members according to guidelines, and payments are coordinated directly with providers or members.
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Is a HealthShare membership insurance?
No. A HealthShare membership is not insurance and does not guarantee payment of medical expenses. It is a voluntary cost-sharing arrangement among members.
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What types of medical expenses can be shared?
Eligible expenses may include hospitalization, surgery, emergency care, maternity, and other major medical needs. All sharing is subject to member guidelines and
eligibility requirements.
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Do HealthShare memberships have provider networks?
No. Members are free to choose their healthcare providers and are not limited by networks.
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Are there religious requirements to participate?
No. AccessHealth HealthShare memberships are open to individuals and families of all backgrounds.
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Is a HealthShare a good option for families?
HealthShare can be a good fit for families seeking an alternative way to manage larger medical expenses while maintaining flexibility in provider choice. It is often combined with Direct Primary Care and RX benefits for more complete support.
Important Notice
HealthShare memberships are not insurance. Participation is voluntary, and sharing of medical expenses is subject to member guidelines and eligibility determinations.