A Simple Guide to
Healthcare Sharing
What is Health Sharing
Healthcare sharing ministries provide a way to pay for health care costs that is different than traditional health insurance.
As a Member of a health sharing ministry, you make a Monthly Contribution. This Monthly Contribution is then used to pay for the eligible healthcare needs of other Members. When you have a healthcare need and have met your Annual Unshared Amount, other Members will contribute to sharing your healthcare needs.
Members also agree to a common set of beliefs that help determine which medical costs are eligible for sharing by the community. Our Sharing Guidelines are guided by the moral teachings of the Catholic Church. These beliefs help define what is not eligible for sharing, but just as importantly they help define what is eligible for sharing. Our Catholic beliefs have led us to share into many treatments that are often overlooked, such as life-affirming fertility treatments, mental health counseling, and sterilization reversals, to name a few.
Receiving Medical Care with Solidarity in Three Easy Steps
While health sharing ministries are not insurance, the process of receiving medical care with Solidarity HealthShare is similar to what you are already familiar with.
Step 1:
You Contribute Your Monthly Share
Each month, your Monthly Share Amount is placed within a secure virtual bank account called a Sharing Account. The amount you share each month depends upon whether you are single, a couple, or a family, your age, and at what level of sharing you would like to participate in. Each Member’s Sharing Account allows for the transfer of funds between Members for health care needs approved for sharing.
Step 2:
You Receive Medical Care
When you receive medical care, whether at a doctor’s office, emergency room, or for any Eligible Shareable Medical Need, present your Solidarity HealthShare Member ID card. Medical bills are then submitted directly to Solidarity HealthShare. If your provider does not participate in health share options, simply request a self-pay discount, pay your bill, and submit your itemized medical bill and receipt to Solidarity HealthShare for processing.
Step 3:
Solidarity Processes Your Medical Bill
When Solidarity receives your medical bill, we determine sharing eligibility in accordance with the Sharing Guidelines and negotiate the bill to a fair and reasonable cost. If you have not fulfilled your Annual Unshared Amount, the cost of the bill is your responsibility. If your Annual Unshared Amount is fulfilled, Solidarity will facilitate the sharing of your bill between other Members’ Sharing Accounts and send the funds on your behalf for payment of the bill.
Shareable Medical Expenses
Below are a few medical expenses that are eligible for sharing for all members of Solidarity HealthShare. For more details please refer to the Sharing Guidelines.
Wellness Visits
Prescription
Ambulance / Emergency Room
Hospital / Surgical Visits
Fertility / NFP
Mental Health Care
Maternity Care
Hospice / Home Health Care
What if I have a
Pre-Existing Condition?
Care for many pre-existing medical conditions is not initially shareable with Solidarity HealthShare, but is eligible for sharing after a period of time.
If you have a pre-existing condition that can be improved through lifestyle changes, Solidarity Well can help improve your health while reducing the risk of developing serious diseases.
