Explore Our HealthShare Benefits
What is a HealthShare?
With our HealthShare options, your medical expenses are shared with the HealthShare communities when you need medical treatment. Our HealthShare is a nonprofit medical cost sharing program that provides an organized structure for members to contribute toward each other’s medical costs.
Emergency Care
Accidents and unexpected illnesses always come at the worst time. With Ideal health you will be prepared for the unexpected and get the care you need.
Specialists
Get access to Specialist care like: Cardiologists, Nephrologists, Neurologist, Orthopedics and many more
Maternity
Our HealthShare offers outstanding maternity care from prenatal to delivery and postnatal care that gives you many options for how you choose to deliver your baby.
Surgical Care
Get access to surgical care from any surgeon in your area with no network restrictions. Take care of your body and your pocket book.
Pediatric Care
Take care of your most precious treasures, your kids.
Critical Illness
Unlimited Sharing for Major life events like Cancer, Heart attack, Organ Failure and similar catastrophic illnesses.
Healthshare Benefits
Step 1
Members agree to shared standards of healthy living and ethical behavior outlined in the HealthShare Member Guidelines.
Step 2
Each month, members contribute a set amount dependent on their age and household size.
Step 3
When a member requires medical treatment, they request cost sharing from the community.
Step 4
Members pay an initial unshareable amount for each medical need; afterward, eligible costs are shared with funds from member contributions.
How Does a HealthShare Work?
Membership Highlights
No Network Restrictions
Keep your doctor! We don’t limit our members to provider networks and encourage the freedom to choose your provider.
Affordable
Ideal HealthShare saves members 40-60% on their annual healthcare costs.
Medical Advocacy
We’re here to help you find low-cost providers and facilities. Customer service is what sets us apart.
Acceptance For All
We would never decline membership to anyone based on their religious beliefs.
Unlimited Sharing
We have no annual or lifetime caps on sharing.
Worldwide Sharing
Get care anywhere in the world, no travel insurance required.
Healthy Living
Our membership encourages a healthy lifestyle, and we do our best to provide resources and support for your continued health.
Efficient Processing
Our Member needs team processes medical sharing requests typically within 7-14 business days.
Frequently Asked Questions
No. Insurance arrangements are a contract whereby one party agrees to be legally responsible for and accept another party’s risk of loss in exchange for a payment—a premium.
Medical cost sharing is a community where members agree to share medical expenses through voluntary giving. Unlike insurance, the focus of our HealthShare is to provide an avenue for members to help each other bear their immediate healthcare expenses.
Since the 1980s, health share programs have grown as a low-cost alternative to health insurance. A health share is a group of people who have agreed to help with each other’s medical costs.
Most health shares operate through monthly contributions distributed to people who need help paying medical bills. Health share programs generally have an unshared amount that an individual is responsible for paying before sharing begins.
The unshareable amount, or UA, is the amount a member will pay per medical need before the HealthShare community shares in medical expenses. The lower your UA, the higher your monthly contribution will be. For a medical expense to qualify towards the UA, it must meet the Member Guidelines and be determined eligible for sharing.
Once you are a member, our HealthShare works in three simple steps:
1. Submit a Sharing Request: Unless it is an emergency, contact our HealthShare prior to any medical appointment. Our Medical Advocacy team can help you navigate your healthcare experience.
2. Present as a Self-Pay Patient: HealthShare is not insurance. At your appointment, please present as a self-pay patient.
3. Share with the Community: Eligible medical expenses will be shared among community members. When your medical need is determined eligible for sharing, our HealthShare will work with you to coordinate provider payments. As you receive bills from your provider, request itemized statements and send them through your member portal.
No. Our HealthShares welcome members of all walks of life regardless of religious affiliation.
HealthShares may be the right fit for you if you are looking for a proven and effective alternative to health insurance. Our HealthShare offers cost-sharing for significant medical expenses and can save members up to 60% on their healthcare costs.
HealthShare is not an insurance company. Neither this publication nor membership in HealthShare are offered by an insurance company.