We're Not Insurance, We're Better!

First of all, HealthShare Works is NOT insurance. We eliminate the “middleman” so that you can have complete freedom to choose your healthcare providers, build an honest and caring relationship with them, and SAVE MONEY!
HealthShare Works Top Reasons to Join:
COST SAVING

​​Membership Costs and Health Savings Account
Members see major savings versus health insurance plans, achieving full peace of mind with a typical 30-50% monthly savings. No copays, No co-insurance, and No deductibles. ​Choosing HealthShare Works gives you back your hard-earned money.
Membership Costs
Monthly contribution depends upon your category
​and also the primary member’s age.
HealthShare Works includes preventative care for adults and children, plus additional benefits. Use your primary care physician - no networks.  Compliant with ACA and State regulations. *Households with one or more tobacco users contribute an additional $75.00 per month. Pricing is based on primary member's age.
Save Using Pre-Tax Dollars
HealthShare Works allows you to take full advantage of Health Savings Accounts (HSA), which offer a triple-tax advantage: contributions, earnings, and eligible withdrawals - all tax-free. 
​
A Health Savings Account lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in an HSA to pay for medical expenses, you can lower your overall health care costs.
HSA Contribution Limits for 2020
You can contribute up to $3,500 to an HSA for single filers or up to $7,000 for families. If you’re 55 or older anytime in 2020, you’ll be able to contribute an extra $1,000.
​
There is no penalty for not using your contributions and unused monies roll over from year to year. HSAs are allowed to hold money for years into the future which opens the door to using HSAs as tax-free long-term investment options with the intent of using the money to cover inevitable qualified healthcare expenses in retirement.
TIME-TESTED

​Rapid Growth in Sharing
HealthShare Works is an established alternative to traditional insurance.
While the concept of health sharing is not yet widely known by everyone, the philosophy is built on a 30-year legacy of success. The medical cost sharing industry is growing quickly, with two million members nationwide accessing one billion dollars in sharing. Health sharing is the future! 
Health sharing is a proven and time-tested solution for millions of Americans. With the uncertain state of healthcare today, there has never been a better time to enroll in a trusted option. 
FREEDOM TO CHOOSE

Your Choice of Doctors & Hospitals
There are no preferred providers or network restrictions. Our members have the freedom to choose their own healthcare providers. We know continuity of care, along with a trusting physician-patient relationship, is crucial to better healthcare.
COLLABORATE FREELY

Nothing Comes Between You & Your Doctor
With HealthShare Works, there are no provider networks and there is no insurance company coming between you and your doctor. We removed the third-party payer from the conversation to bring doctors and patients back together.
PROTECT OTHERS

Protective Power
HealthShare Works gives you the protective power of high-quality Health Care during these difficult times.

​For those you care about, for those who rely on you, HealthShare Works brings peace of mind.
LEGITIMATE ALTERNATIVE
HealthShare Works is not insurance and is recognized as a LEGITIMATE alternative to health insurance.
HELP ALWAYS AVAILABLE

Member Services Advisors and Telemedicine
Member Services Advisors are at YOUR Service
HealthShare Works Advisors: We are well-known and respected for helping our members navigate the boondoggle of our healthcare system. Members have access to knowledgeable, supportive advisors who address day-to-day healthcare issues. HealthShare Works Advisors are available to discuss and answer questions regarding the Affordable Care Act and other complicated, health-related legislation. Our experts help individuals and businesses understand how healthcare laws may impact them and what actions they can take. Members use HealthShare Works advisors to save time and eliminate stress. We ensure our members are never alone in the process.
COMMUNITY

We Are Stronger Together
With HealthShare Works, you are investing your hard-earned money in a like-minded community; you can trust your financial contributions will be used to care for members like you.
Share While Traveling
Share eligible medical expenses while traveling domestically and abroad. Medical needs incurred internationally are sharable with the community in the same way as any other legitimate medical need within the United States.  If the member’s out-of-pocket costs exceeded their Initial Unshareable Amount (IUA) for a particular need while overseas, the member would simply provide the details on the costs incurred along with any amount paid by the member, and we would facilitate sharing the portion that exceeds the member’s IUA.
What’s Wrong with Healthcare Insurance?
Americans who use health insurance see only a small portion of their premium go toward health costs. The premiums are set to cover all the costs that an insurance company incurs, not just medical costs. This includes marketing, processing claims, and all the administrative costs of a public for-profit corporation.
Needs, Pregnancy and Medications
We accept all enrollees who adhere to the Community Principles. (See Zion Guidelines). That is why it is called an “Enrollment Form,” not an Application Form.  We also accept enrollment any month. To protect the community from excess costs, there are some qualifications as to what can be shared.

Responsibility
This is not insurance.  You are responsible for the medical bills. Once you have paid the Initial Unshareable Amount, the IUA, the medical bills for any one event that exceed the IUA are shareable.  You initiate a “Sharing” by filling out a NEED form.

Pre-Conditions
We look back thirty-six months at the treatment history for members with pre-conditions.  Otherwise, every ill patient would join and have the same benefits with a much higher cost to the Community.  Please read the Zion Guidelines and call us for detailed clarification.

Pregnancy and the First Three Months
To allow members to join at any time of year, a pregnancy due date must be past the first policy anniversary to be shareable.

Medications
Medications that are curative, part of treatment, are shareable.  Medication taken for ongoing conditions may not be. In all cases, we look to find you the best source for medications – the differences in price for the very same prescription vary wildly.  The good news is that your healthcare costs are far lower by being in a Sharing community than they would be if you were “insured.”  And the results are as good as or even better with Sharing.

Please check the Zion Guidelines for what is shareable.


1. EMERGENCY treatment is the same as for any person. When you are asked for your insurance card, tell them that you are member of a medical cost sharing community. If there are any questions, ask them to call HealthShare Works. ​

2. OFFICE VISIT - Before you go to a physician or hospital, send them our physician letter or call us and we will send it.  Physicians and their office personnel deal with insurance every day and are used to seeking pre-approval. Your doctors will be pleased by the freedom we provide for them to make medical decisions without third party interference.

3. PROCEDURES that are planned, such as an elective surgery or a series of procedures – anything that will cost more than $500, call us in advance for approval.
Enroll by the 20th of the month to be eligible for a start date of the 1st of the following month with no annual commitment. We welcome all individuals including independent contractors and part-time employees.

ATTENTION: HSW, INC. IS NOT AN INSURANCE COMPANY AND THE HSW MEDICAL COST SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY. WHILE EVERY EFFORT IS MADE TO MEET MEMBER’S MEDICAL NEEDS, HSW, INC. AND THE HSW MEDICAL COST SHARING COMMUNITY DO NOT GUARANTEE PAYMENT OF ANY MEDICAL EXPENSE.

Preventative Care
Routine preventative services such as well visits, vaccinations, mammograms, colonoscopies and more are reimbursed, up to 130% of the national rate. Checks are issued by HealthShare Works to members within 30 days of receiving the itemized invoice.

PLEASE NOTE: PREVENTIVE CARE FOR ADULTS IS NOT FOR TREATMENT OF ANY CONDITION. Once there is a diagnosis, you need to pay your IUA and then submit bills for sharing.
​
There are three sets of free preventive services.
​Click the links below to see a list of covered services for each group:​
For women:
For children:
For all adults: