Find HealthShare Plan, That's Right For You!
HealthShare plans are a typically lower cost insurance coverage alternative that involve members contributing money to cover each other's medical expenses, often with specific eligibility criteria and exclusions based on the organization's guidelines. These plans were designed for occasional doctor visits with additional coverage for unforeseen events.
Note that each one of the plans listed below lists an UA—Unshareable Amount. An UA is the most you’ll have to pay for healthcare services during your plan period (per incident). Once you meet your UA, that’s when your costs start being covered.
ShareWELL Essential Co-Pay
ShareWELL Essential Co-Pay Plan has low Co-Pays for services such as doctor office and specialist visits, preventative care with no deductible to be met. This design is for individuals and families that have occasional doctor visits and want the peace of mind knowing they are protected for unforeseen events.
*UA - Unsharable Amount
Plan Rates
| Plan Type | Rate |
|---|---|
| Member Only | |
| Member & Spouse | |
| Member & Child(ren) | |
| Member & Family |
ShareWELL Essential HSA
ShareWELL Essential HSA Plan was designed to offer a level of protection for unforeseen events such as surgery, prolonged hospital stay, cancer, or any illness that could make a financial impact. This plan does offer preventative coverage and an HSA.
*UA - Unsharable Amount
Plan Rates
| Member Only | |
| Member & Spouse | |
| Member & Child(ren) | |
| Member & Family |
UA - Unsharable Amount
An IUA is the most you’ll have to pay for healthcare services during your plan period (per incident). Think of it as your safety net in the event of a major health problem.) You have a max of 2 incidents where you pay the UA in a 12-month period. Unlike a deductible or traditional max-out-of-pocket, the UA does not reset until you are symptom-free for 6 months.
Key Advantages of Health Sharing
1. Lower Monthly Cost
Health sharing programs often cost 30%–60% less than traditional health insurance premiums.
2. Freedom to Choose Doctors
Members can usually visit any doctor or hospital, since the program is not limited to a provider network.
3. Transparent Pricing
Their monthly share amount. Their annual unshared amount (similar to a deductible).
4. Community Support Model
Health sharing operates on a mutual aid system where members support each other financially.
5. Potential Tax Advantages
Health sharing contributions may be treated differently than insurance premiums depends on program.
Getting the coverage you need at a price you can afford can be tough. Choosing the right health plan can feel overwhelming. Gemstone Insurance Solutions is committed to delivering the help you need.
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Wading River, NY 11792