Understanding Healthshares: Bills, Payments, and Peace of Mind - 249

In this episode of The Pulling Curls Podcast, Hilary Erickson delves into the complexities of navigating healthcare without traditional insurance. Sharing her personal experience with an appendicitis, Hilary discusses the use of health shares, detailing the ins and outs of how her family manages medical expenses as self-employed individuals. Learn about the advantages, challenges, and practical tips for those considering a health share alternative.

If you'd like to check out Zion HealthShare please do use my link: https://www.pullingcurls.com/go/zion-healthshare/

Links for you:

My other healthshare info:

• Zion HealthShare Reviews & Why Left Liberty Healthshare
• Finding a HealthShare for Members of the Church of Jesus Christ of Latter-Day Saints
• How Does a Healthshare Work? with Heather Eden from Zion HealthShare — Episode 126
• Making the Choice to use a Christian Healthshare — Episode 065
• Is a Health Share Right for You? Discover If You’re a Good Fit.
• Using a Direct Primary Care Membership with Dr Bradley Shumway – Episode 086

Timestamps:

00:00 Zion reimburses quickly; other health shares delay.

06:13 Unexpected healthcare costs due to insurance complexities.

06:59 Bills cleared monthly; sometimes paid using credit.

12:47 Waited 30 days for medical bill, frustrated.

13:24 Frustrated over hospital billing and collection threats.

Keypoints:

• Hilary Erickson shares her personal experience with non-traditional healthcare, specifically a health share organization, rather than traditional health insurance.
• The high costs of traditional health insurance for self-employed individuals prompted Hilary to explore alternative options, leading her to Zion HealthShare.
• Health share organizations allow for greater flexibility in choosing hospitals, doctors, and labs without restrictive networks.
• Hilary explains that with health share organizations, patients are often considered self-pay and need to be proactive in managing and submitting medical bills for reimbursement.
• Unlike insurance companies, health shares may take time to process and reimburse bills, sometimes taking up to six months, but Zion HealthShare was notably faster.
• Hilary highlights the concept of a per-incident deductible with Zion HealthShare, explaining that for each new medical incident, her family is responsible for the first $1,000.
• The episode details the various medical bills Hilary received following her appendicitis surgery, including bills from the hospital, anesthesiologist, radiologist, and other specialists.
• A key frustration was the medical billing process, where hospitals initially billed exorbitant amounts before drastically reducing them for self-pay patients.
• Hilary emphasizes the importance of having some form of healthcare coverage to manage unexpected medical expenses and stresses the necessity of understanding and navigating the billing process.
• The podcast episode aims to demystify health share organizations and provide valuable insights into alternative healthcare options for families, particularly those who are self-employed.

Producer: Drew Erickson

Keywords:

health insurance, pulling curls podcast, Hilary Erickson, Christian health share, traditional health insurance, ZION health share, appendicitis, Liberty health share, Samaritan health share, self-pay patients, health share benefits, insurance policies, emergency medical bills, per incident deductible, health share reimbursement, DPC, con