What is an IUA?
The Initial Unsharable Amount (IUA) for each member’s medical need is the responsibility of member. All qualified medical expenses after IUA is met are shareable with the Zion Health community at 100% and without an annual or lifetime limit.
For each medical need, the community shares in medical expenses after the initial unshareable amount (IUA) is met. This amount paid by the member does not need to be paid again until you are symptom free for 12 months.
The Initial Unsharable Amount (IUA) is better for members than a deductible when a large medical need comes up. Often care for a sickness or injury is not limited to a single calendar year. Members generally save by having an IUA.
Choose an IUA option of $1000, $2500 & $5000
What is a
A Medical Need is any major medical event, injury, or medical emergency that is unexpected and causes you to seek medical or professional help. Medical needs include, initial doctor visits, any medical screening, x-rays, MRIs, specialists visits, surgeries, physical therapy and or anything needed to get you back to 100% health.
Preventive Care comes with your Zion Health Direct Membership and includes the services listed below.
Wellness Check, Colonoscopies*, Mammograms*, Immunizations 16<*, & One Specialist Visit*
Also available for Essential Membership.
*These services become available after six month waiting period.
Members of Zion Health Direct have access to discounted prescriptions through OptumRx.
Additional Membership Details
Quality & Pricing Incentive
Zion Health offers an IUA discount incentive for scheduled pre-approved surgeries and procedures. If you are planning to schedule a surgery or other procedure that relates to a shareable need you may be eligible for a discount of up to 50% off your standard IUA. To qualify for this discount click below.
In general, maternity needs are treated like any other medical expenses and are shareable with the community. These expenses include prenatal care, delivery, postnatal care and miscarriage. Click below to view the Zion Health Maternity Guide.
If you've participated in a medical cost sharing community or are interested in learning more about joining one, then take a closer look at Zion Health by visiting our membership guidelines and principles of membership. We're always here to answer your questions.