This isn't insurance, it's better.
Our catastrophic membership plan is a powerful, affordable alternative to insurance, designed for major unexpected medical needs. Backed by Zion HealthShare, this plan helps members share large medical expenses while keeping monthly costs low.
Here's what you get:
Protection against major medical needs
Simple, affordable, and transparent pricing.
Eligible for sharing anywhere in the U.S.
Emergency sharing while traveling outside the U.S.
No network restrictions
Family friendly flexibility
No Annual Commitment
So what's included?
Major Medical Needs
Accidents (e.g., car accidents, sports injuries)
Emergency room visits
Surgeries (inpatient or outpatient)
ICU stays
Chronic Critical Conditions
Cancer treatment (non-preexisting or after phase-in)
Heart disease & cardiac procedures
Stroke
Diabetes-related emergencies
Autoimmune disorders
Neurological disorders (e.g., MS, epilepsy
Mental Health
(Acute Only)
Emergency inpatient treatment
Acute counseling through partner networks
On-going mental health medications and therapy sessions are not shareable under Zion but are included in the CoreMed Primary Membership.
Other Shareable Medical Needs
Diagnostic imaging (MRI, CT, etc.) tied to a shareable event
Labs related to a medical need
Specialist consultations
Medical transport tied to a shareable condition
Organ transplants
Emergency dental due to an accident
Durable medical equipment
Physical/occupational/speech therapy tied to a sharable medical event
Is there a deductible?
Initial Unsharable Amount (IUA)
Your monthly membership fee is based on your IUA. The Initial Unshareable Amount (IUA) is the amount a member must pay before expenses related to a medical need become eligible for sharing with the medical cost sharing community. The higher the IUA, the lower your monthly membership goes down. IUA options are: $1,250, $2,500, or $5,000.
Example
Let’s say your IUA is $2,500 and you have a $10,000 medical bill.
You pay the first $2,500
The rest ($7,500) is shared by the community.
FYI - The difference in monthly cost is about $20-$50/month difference.
But guess what??
The IUA is per injury/incident, so once you've paid your IUS, for a medical need, additional eligible medical expenses for that same need remain eligible for sharing.
Backed by a National Healthshare
Zion HealthShare is a non-profit organization that allows members to contribute to each other’s medical expenses, also called medical cost sharing.
Zion HealthShare is not an insurance company. Neither is publication now membership in Zion HealthShare are offered by an insurance company. Visit zionhealthshare.org to view your state-specific notice.
Read more at: zionhealthshare.org/disclosures/state-notices/.
How about pre-existing conditions?
Pre-Membership Conditions
If you’ve had symptoms, treatment, or medication for a condition within 24 months before joining, for that particular condition, there's a slow build up before expenses become eligible for sharing.
Year 1: $0 shared by the community
Year 2: Up to $25,000
Year 3: Up to $50,000
Year 4+: Up to $125,000 per year
From Zion HealthShare: When a member has been examined, diagnosed, taken medication, had symptoms, a personal history of or know increased risk of conditions that may aris or worsen in pregnancy, or received medical treatment within the 24 months prior to their membership start date.
Coverage that goes with you....anywhere.
CoreMed's Worldwide Catastrophic Coverage provides affordable protection for major medical events anywhere in the world.
Protection that goes with you....anywhere.
CoreMed's Catastrophic Memberships provides emergency sharing while traveling outside the U.S.
Preventive Sharing
Preventive Sharing is included automatically in the Catastrophic and Comprehensive membership. The Preventive Sharing feature was created to help you stay on top of your health with Annual Provider Visits (APV), child wellness exams, youth immunizations, and early detection procedures.
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