A healthcare sharing ministry is an organization in the United States that facilitates sharing of qualifying healthcare costs between individual members who have common ethical or religious beliefs. A healthcare sharing ministry does not use actuaries, does not accept risk or make guarantees, and does not purchase reinsurance polices on behalf of its members. Members of healthcare sharing ministries are exempt from the individual responsibility requirements of the Patient Protection and Affordable Care Act, often referred to as Obamacare. This means members of healthcare sharing ministries are not required to have insurance as outlined in the individual mandate.
The Mennonite Sharing Ministries has been sharing costs for more than 50 years and has provided security among like-minded persons who want to take charge of the own healthcare.
Is Unity HealthShare Insurance?
No, Unity HealthShare is not insurance. This publication or membership is not issued by an insurance company, nor is it offered through an insurance company.
Is Unity HealthShare Legal Under The Affordable Care Act?
Unity HealthShare is a recognized Health Care Sharing Ministry and members are exempt from the “penalties” assessed to those who do not have insurance.
What Medical Needs Are Eligible For Sharing?
Medical needs eligible to be shared by Unity HealthShare members compare favorably to their prior medical coverage. Eligible medical needs are listed in the membership guidelines.
Are Maternity Benefits Included?
Yes! In the Premium offerings maternity benefits are available after 10 consecutive months of membership prior to conception. Unity HealthShare will share up to $5,000 per pregnancy (whether a single or multiple birth), after member shared responsibility amount has been met. Needs for maternity ending in a delivery by cesarean section that is either medically necessary because of complications that arise at the time of delivery or due to medical necessity for previous cesarean section delivery are limited to $8,000 instead of $5,000.
How Do I Become A Member?
Becoming a member is simple; complete the membership application process online.
How Much Will Unity HealthShare Cost?
Your monthly contribution depends on the number of members in your family and the type of membership you desire.
Do Contributions Fluctuate Each Month?
No. The contributions do not fluctuate from month-to-month. However, contributions are subject to review by the Board of Directors on an annual basis. Adjustments may be made periodically, usually on an annual basis, to meet the needs of the membership.
Are There Religious Restrictions For Membership In Unity HealthShare?
Unity HealthShare welcomes members of all faiths who can honor the Statement of Beliefs, by which the Unity HealthShare program operates.
What About Pre-Existing Conditions?
Any illness or accident for which a person has been diagnosed, received medical treatment, been examined, taken medication, or had symptoms within 24 months prior to the application date is considered a pre-existing condition. Symptoms include but are not limited to the following: abnormal discharge or bleeding; abnormal growth; break; cut or tear; discoloration; deformity; full or partial loss of use; obvious damage, illness or abnormality; impaired breathing; impaired motion; inflammation or swelling; itching; numbness; pain that interferes with normal use; unexplained or unplanned weight gain or loss exceeding 25% of the total body weight occurring within a six-month period; fainting, loss of consciousness, or seizure; abnormal results from a test administered by a medical practitioner.
For more information, see Member Guidelines.
Is Membership With Unity HealthShare A Contract Or Can I Quit Anytime?
It is NOT a contract. You can choose to quit the membership at any time. There is a $125 application fee and a non-refundable $25 fee for Unity Ministries if you chose to quit after being accepted to the membership. Unity HealthShare requests proper notification from a member who chooses to quit for any reason. For more information please see Member Guidelines.
What Guarantees Do I Have That My Contributions Will Be Used Correctly?
Financial integrity and accountability of Unity HealthShare is very important. We adhere to the highest standards for operating and maintaining the utmost level of accountability through our auditing procedures and board of directors. Trust from our members is very important to us and there are several ways in which we maintain our trust from all members.
What Happens If My Monthly Contribution Is Late?
Monthly contributions are due on the 1st or 15th of each month, dependent on effective date. If the monthly contribution is not received by the due date, an administrative fee will be assessed to track, receive, and post the monthly contribution. If the monthly contribution is not received by the end of the month, a membership becomes inactive as of the last day of the preceding month in which a monthly contribution was received.
How Does My Doctor Or Hospital Get Paid?
Once your medical provider has properly processed your medical claim to be shared by the membership, the medical need is adjudicated and payment is issued through the member’s escrow account.
What Happens If I Have A Discrepancy With A Non-Eligible Medical Need?
If a need is denied as not eligible, and there is a dispute, the aggrieved member or any other aggrieved party may seek reconsideration only through the appeal procedure described in the Member Guidelines.
Will My Doctor Accept Unity HealthShare?
Yes, Unity HealthShare is a recognized Health Care Sharing Ministry . If a medical provider is not part of the network, they should still accept Unity HealthShare as your medical sharing plan of choice.
Can I Be A Member Of Unity HealthShare And Also Have Medical Insurance?
Yes, a member can have health insurance through work or another source. If a member has medical insurance and a Unity HealthShare membership, the medical insurance is the primary source for paying medical claims. Unity HealthShare membership shares in the portion that the health insurance plan does not cover.