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 health 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 shares up to $5,000 per pregnancy (whether a single or multiple birth), after member shared responsibility amount (MSRA) has been met. Maternity needs are limited to $8,000 instead of $5,000 for a delivery by cesarean section that is medically necessary because of complications that arise at the time of delivery or due to medical necessity for previous cesarean section delivery.
How do I become a member?
Becoming a member is simple; complete the membership application process online.
How much does Unity HealthShare cost?
Your monthly contribution depends on the number of members in your family and the type of membership plan you select.
Do contributions fluctuate month-to-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 Healthcare a contract or can I quit anytime?
Membership is NOT a contract. You can cancel the membership at any time. There is a $125 application fee and a non-refundable $25 fee for Unity Ministries if you choose 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, depending on effective date. If the monthly contribution is not received by the due date, an administrative fee is 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 dispute regarding a non-eligible medical need?
If a need is denied as non-eligible, the aggrieved member or any other aggrieved party may dispute the denial and seek reconsideration by following the appeal procedure described in the Member Guidelines.
Will my doctor accept Unity HealthShare?
Yes, Unity HealthShare is a recognized Health Care Sharing Ministry and is a part of First Health, a network that most medical providers participate in. If a medical provider is not part of the First Health 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 as well as 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.