Hello and welcome to OneShare Health!
Tom Monson Insurance is thrilled to introduce you to OneShare Health, a healthcare-sharing program that offers a refreshing alternative to traditional health insurance. If you’re looking for a cost-effective, flexible, and community-focused healthcare solution, OneShare Health might be the perfect fit.
Why Should You Consider OneShare Health?
Let’s start with the Affordability. OneShare Health offers monthly contributions starting as low as $72.99, making it a budget-friendly option for many families and individuals. These contributions are tailored to your specific needs, taking into account factors like your state, age, and chosen program tier, ensuring you get the best value for your money. OneShare provides Comprehensive Coverage with three levels of care to choose from. Whether you need virtual urgent care, mental health support, or coverage for emergency room visits and hospitalization, OneShare has you covered. Plus, enjoy prescription discounts and more, all designed to meet your healthcare needs.
For those planning to expand their families, OneShare offers Maternity Coverage. After meeting an Initial Sharing Amount on the Classic Crown program, you can access coverage for natural delivery, C-sections, and any complications, giving you peace of mind during this important life event.
What Sets OneShare Health Apart?
OneShare is not just about affordability; it’s about Flexibility and Accessibility. With next-day active dates and year-round enrollment, you can quickly access the care you need. Plus, with a wide provider network of nearly one million providers and facilities, you can receive quality care both in-person and online.
We also understand the importance of mental health, which is why OneShare offers 24/7/365 access to mental health support, ensuring comprehensive care for your well-being.
Additional Benefits of OneShare Health
OneShare goes beyond basic healthcare. With our WellCard Savings, you can enjoy nationwide discounts on dental services, vision needs, and even pet care. Plus, save on gym memberships, nutrition programs, and more, enhancing your overall lifestyle.
Community and Support
At OneShare, we believe in the power of community. By joining us, you become part of a supportive network where members contribute monthly shares to help cover each other’s eligible medical expenses. This approach not only fosters a strong sense of community but often results in lower monthly costs compared to conventional insurance plans.
Conclusion
In summary, OneShare Health offers a compelling alternative to traditional health insurance, providing substantial financial relief and a strong sense of community support. With our flexible, affordable programs and comprehensive coverage, OneShare Health is here to make a difference in your healthcare journey.
Thank you for considering OneShare Health as your healthcare solution. If you have any questions or would like to learn more, please feel free to reach out. We’re here to help you every step of the way!
Check your rates HERE
Frequently Asked Questions
What is a Health Care Sharing Ministry?
A Health Care Sharing Ministry (HCSM) is a nonprofit religious organization that facilitates the sharing of medical expenses among its members in accordance with and as an expression of their commonly held religious beliefs. An HCSM is a 501(c)3 nonprofit and ACA-Exempt.
What does ACA-Exempt mean?
Our members are exempt from the individual mandate requirement of the U.S. Patient Protection and Affordable Care Act. In other words, members of Health Care Sharing Ministries are not required to have insurance as outlined in the individual mandate and will not be penalized for enrolling in OneShare Health.
Why are Health Care Sharing Ministries a good option?
Health Care Sharing Ministry Programs are more affordable than traditional insurance. HCSMs offer individuals flexible healthcare options that closely align with people’s beliefs. They do not have an expiration date like Short-Term Medical plans and are often more comprehensive than Fixed Indemnity and MEC plans.
What makes OneShare Health different than the Affordable Care Act (ACA)?
During Open Enrollment, for those who do not qualify for a subsidy, OneShare Health is up to 50% less than traditional health insurance. Keep in mind, outside of Open Enrollment (10 1⁄2 months) up to 85% of consumers cannot get ACA; that is when OneShare Health is a great solution.
How is OneShare Health different from a Short-Term Medical Plan (STM)?
STM has an expiration date, whereas OneShare programs do not expire. The membership stays active as long as the member wants.
STM is not available in CA, CO, NY, NJ, CT, DC, ME, RI, MN, and HI but OneShare is!!
OneShare accepts those with Pre-Existing Conditions (24-Month Waiting Period), whereas STM does not.
The only knockout questions are Tobacco Usage, Substance Abuse, and Statements of Belief whereas STM is more restrictive.
We offer comprehensive services such as preventive, maternity, Urgent Care, ER and specialist visits (Classic program) unlike most STM plans.
How is OneShare Health different than other HCSMs in the market?
Choose from over 982,000 First Health Network providers.
Enrollment is 365 days a year with Next-Day Active Dates available.
Unlike many HCSMs, Doctors can submit bills directly to OneShare for processing.
OneShare Health’s application process is simple and only takes 5 minutes to enroll a member.
First dollar features such as doctor visits, preventive care, urgent care, and ER on the Classic Program.
Who is OneShare Health?
OneShare Health’s Mission is to help believers share each other’s medical expenses by providing affordable sharing programs that align with their beliefs. With origins in the Anabaptist faith, a Chaplain on Staff, OneShare Health is a 501(c)(3) non-profit that is always searching for new ways to give back to our Faith Community. We are a Health Care Sharing Ministry that welcomes and unites those who agree with our core biblical principles on how we live life, take care of our health, and support others.
As an ACA-exempt path to health care, OneShare Health offers affordable and flexible sharing programs. With industry-leading features and an unparalleled member experience, OneShare Health continues to grow our health care sharing memberships in many markets across the country.
Is OneShare Health regulated by the Department of Insurance?
Although we are not directly regulated by the Department of Insurance, we work with state insurance regulators to ensure we are in compliance with state laws exempting HCSMs from insurance regulations. We are also responsive to any Member complaints that come through a DOI. We are, however, regulated by three entities:
The IRS regarding our financials, governance, and nonprofit compliance
State Attorneys General on consumer affairs
CMS as a legal, certified HCSM
Are OneShare Health Programs considered Minimum Essential Coverage (MEC)?
OneShare Health Programs are not MEC plans but a comprehensive core product. HCSMs cannot say that they meet the minimum essential coverage requirements because they are not insurance and not governed by the Department of Insurance. Programs provide sharing eligibility for first-dollar services, including Preventive Services and doctor visits, to hospitalization and surgery for catastrophic events. In some states, like Massachusetts and California, HCSMs are included in the list of products meeting the minimum essential coverage requirements of the state.
Are OneShare Health Programs underwritten?
No, OneShare Programs are not underwritten.
Do OneShare Health Members have to be Christian? OneShare Health is a Christian ministry. Our application does not ask Members about their religion or denomination, for documentation of church Membership, or pastoral approval. Our focus is on our shared Statement of Beliefs, to which all Members must attest.
Where can I market OneShare Health Programs?
Only a valid resident insurance license is required to market nationwide, excluding the states we are not available in. OneShare Health is available nationwide excluding the residents of MA, MD, MT, NM, PA, WA, WI, and VT. Please check www.onesharehealth.com/legal-notices for the most up-to-date state availability listing.
HOW SHARING WORKS
Do Members have to pay everything upfront?
No, the Member will provide their ID Card which contains the information the Provider needs to submit bills for processing. If a Provider sends the Member a bill for the balance remaining after the bill was shared, Members should first contact OneShare Health. Members are encouraged to email the balance bill to Correspondence@OneShareHealth.com.
How are medical bills paid?
Members voluntarily help pay each other’s medical expenses through OneShare Health’s sharing programs.
A portion of the Monthly Contributions are designated for sharing requests.
Member selects a First Health Network provider.
Member presents ID Card at time of service.
Sharing request is received by OneShare Health.
Eligibility and price are determined.
Sharing request is fulfilled, and the Explanation of Sharing (EOS) is sent to the Member and Provider.
Who are the Ideal Members
Do not qualify for an ACA subsidy
Faith-based individuals, communities, or churches
Do not have employer coverage such as self-employed, part-time, and independent contractors
Looking for comprehensive healthcare that does not require renewals and does not cancel until age 65
Individuals who are not employed or need short-term healthcare as long as needed
Employers who cannot afford traditional insurance for their employees
Membership Features
Up to 50% less than traditional healthcare plans
Ease of access – new enrollments are accepted all year long
Next-day Active Dates available 1-28th of the month
It’s what people want – no expiration date and comprehensive
Programs available for individuals, families, and small businesses
Choose from over 982,000 First Health Network providers
Virtual Primary Care available for pre-existing conditions
FINAL THOUGHTS ABOUT OneShare HEALTH
You would be best suited for OneShare Health if you are financially stable, in relatively good health, and seeking a faith-based, community-driven alternative to traditional health insurance. If you live according to Christian values, appreciate the idea of sharing medical expenses within a supportive network of like-minded individuals, and prioritize a healthy lifestyle, OneShare Health could be ideal for you. This program emphasizes mutual aid, and spiritual support, and offers services like telemedicine and prescription discounts while requiring members to manage their medical bills responsibly.
Feel free to reach out with your questions: Phone Us Email Us
States with ACA Mandate Penalty
The Affordable Care Act (ACA) individual mandate requires individuals to have health insurance or face a penalty. While the federal penalty was reduced to zero in 2019, several states have implemented their own mandates with penalties for non-compliance. This section identifies the states that currently enforce such penalties.
States with ACA Mandate Penalties
- California: California requires residents to have health insurance or pay a penalty. This mandate has been in effect since January 1, 2020, and penalties are enforced through the California Franchise Tax Board.
- District of Columbia (D.C.): D.C. has an individual mandate effective since January 1, 2019. Residents must have health insurance or face a penalty, known as the Washington D.C. Individual Taxpayer Health Insurance Responsibility Requirement.
- Massachusetts: Massachusetts has had an individual mandate since 2006, predating the ACA. Residents over 18 must have health insurance or pay a penalty, with exemptions available for affordable coverage and short gaps.
- New Jersey: New Jersey’s individual mandate took effect on January 1, 2019. Residents must have minimum essential coverage or pay a penalty under the New Jersey Health Insurance Market Preservation Act.
- Rhode Island: Effective January 1, 2020, Rhode Island requires residents to have health insurance or face a penalty. This mandate is similar to those in California and New Jersey.
- Vermont: Vermont has an individual mandate effective since January 1, 2020. However, there is no financial penalty for non-compliance. Residents must report their health insurance status on state taxes.
Summary
As of the latest updates, the states with an ACA mandate penalty include California, the District of Columbia, Massachusetts, New Jersey, and Rhode Island. Vermont also has a mandate but does not impose a financial penalty for non-compliance. These states require residents to maintain health insurance coverage or face penalties, with some offering exemptions for specific circumstances.
Availability
Unfortunately, this program is not available in MA, MD, MT, NM, PA, WA, WI & VT.