| ZION HEALTH BENEFIT SUMMARY | |
| Medical Cost Sharing Community | |
| Pre-existing Limitations | 1st Yr $0 Sharing, 2nd Yr Up to $25k, 3rd Yr Up to $50k, 4th Yr+ Up to $125k Max Sharable |
| Pre-existing Exceptions | Yes: Cholesterol, Diabetes, High Blood Pressure |
| Max shared per need | No Limit |
| Your Cost/ limitations | |
| Eligible Medical Need (Covered Expenses) | First $1,000 (IUA) per Need (Similar to deductible) |
| Hospitalizations | Limit- 3 IUAs Annual, individual or Family |
| Surgeries Inpatient/out patient | No Co-insurance |
| Emergency Room | Community shares 100% after you pay IUA |
| Ambulance Land or Air | Community shares 100% after you pay IUA |
| Rehab | Community shares 100% after you pay IUA |
| Maternity | Shareable after 60 days of membership and requires 2x IUA, No fertility/ Infertility treatment |
| Chiropractor | Max 25 visits, within 120 days |
| Home health Care | up to 90 days per incident |
| Prescriptions | Only for Shareable Conditons |
| Mental Health | Only if approved by Zion Health up to $3,000 |
| Physical Therapy | PT: Inpatient only, ST: Outpatient only, Max 35 sessions/condition |
