Does Zion Health use deductibles and co- insurance?

Zion Health’s process differs significantly from insurance practices in

this regard; to our Member’s advantage. Traditional healthcare insurance

deductibles are cumulative over the course of a predetermined plan

period. Co-insurance is the portion of the medical expense owed by the

patient. These insurance cost-sharing measures can amount to thousands

of dollars in out-of-pocket costs to insurance policyholders annually.

Conversely, when Members incur an eligible medical expense that exceeds

the Initial Unshareable Amount, any amount above the Initial Unshareable

Amount may be eligible for sharing. On the fourth medical need in a

household, the Member no longer needs to pay the Initial Unshareable

Amount. If the additional medical expenses are more than $500, the

remaining would be fully sharable with the community.