JHS Community
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JHS Community in Colorado Overview
JHS Community is a nonprofit 501(c)(3), faith-based Health Care Sharing Ministry.
As such, JHS Community is a community of individuals and families that agree to a common set of religious and ethical beliefs and who believe in inspiring grace and compassion.
JHS Community was formed in 2021 by the House of Prayer and Life, an ELCA Lutheran congregation in Houston, Texas. But the organization’s roots go back more than 50 years.
Note: Under Colorado law, JHS Community is not a health insurance plan, and should not be confused with a traditional Colorado health insurance policy.
Instead, health sharing is an affordable alternative to health insurance in which a group of like-minded people agree to form an association to help share one another’s benefits.
Prospective members in Colorado should carefully weigh the JHS Community in Colorado’s health sharing benefits, exclusions, and costs against other health share plans, as well as against traditional Health Insurance.
JHS Community in Colorado MultiPlan PHCS Care Network
JHS Community is unusual among health sharing organizations in that it generally restricts maximum sharing benefits to members who use physicians within the massive MultiPlan PHCS Network.
You must see providers within the MultiPlan PHCS Network for all routine and preventative care visits to be shareable under the JHS Community program.
This network includes more than one million health care providers nationwide: 920,000 practitioners, 4,800 acute care hospitals and 87,000 ancillary facilities. Thousands of them are here in Colorado.
This helps keep Colorado member costs down.
For most people in good health, and who don’t have a specific doctor requirement in mind, this is a great feature.
It’s also a great feature if your preferred doctors and/or facilities happen to be members of the PHCS Network
The disadvantage is that JHS Community members have less flexibility to choose their own doctors compared to most other health share plans.
Click here to see if your preferred doctor or facility is in the PHCS Network.
JHS Community Membership Tiers
The JHS Community in Colorado offers three basic JHS Community tiers: ACCORD, ASCEND, and ASPIRE.
ACCORD has the lowest monthly contribution amounts of the three plans, but also the most limited package of cost-sharing benefits.
ASCEND represents a middle ground, while ASPIRE provides more comprehensive cost-sharing protection for members.
ACCORD
Accord is a bare-bones, budget-friendly plan that allows up to two visits per year per member to in-network primary care physicians and specialists.
There is no additional fee for wellness or preventive visits to in-network physicians.
Accord doesn’t share costs for hospitalization
ASCEND
Ascend’s focus is on preventative care and wellness.
This plan tier offers you access to everyday non-emergency/non-chronic medical needs such as wellness and preventative care, including primary care physician, specialist, or urgent care visits.
You can choose a plan that includes cost sharing for 2, 4, or 6 office visits per year.
ASPIRE
Aspire offers additional cost-sharing power for hospitalizations, surgeries, maternity/childbirth, and other more significant medical events.
Members in the top two tiers, Ascend and Aspire, are eligible for any of these optional sharing enhancements
- VALIANT – provides additional sharing for certain critical illness diagnoses
- VALID – provides additional cost sharing for hospitalization costs
- VICTORY – provides up to $10,000 for single loss events, accidental death, or dismemberment.
- VIRTUE – Additional dental benefits.
JHS Community Tiers and Benefits
| ACCORD | ASCEND | ASPIRE | |
|---|---|---|---|
| Visit Fees | $25 visit fee for primary/ urgent care, $50 visit fee for specialists. | $25 visit fee for primary/ urgent care, $50 visit fee for specialists. | $25 visit fee for primary/ urgent care, $50 visit fee for specialists. |
| Preventive Care Benefits | No visit fee for wellness and preventative services (at PHCS network providers). | No visit fees for adult, women's, and children's wellness and preventative services at PHCS Network Providers | No visit fees for adult, women's, and children's wellness and preventative services at PHCS Network Providers |
| Number of Visits | 2 visits/year | Choose 2, 4, or 6 visits/year | Up to 2 or 3 visits per year, depending on your selection |
| Sharing Maximum | Up to $150 per office visit | Up to $150 per office visit | Up to $150 per office visit |
| Hospital and ER Costs | N/A | Eligible for VALID | Eligible for VALID |
| Hospital Room and Board | N/A | Eligible for VALID | Choose a plan that shares $250, $500, or $1,000 in room and board costs per day for up to 10 days. Eligible for VALID. |
| Additional Inpatient Hospital and ER Features | N/A | N/A | Choose a plan that shares up to $10,000 for specific injuries or diagnoses, such as heart attacks, cancer, stroke, etc. Up to $500 for ER visits for accidental injuries, $50 for illness. |
| Prescription Drugs | Paramount Rx Discount Plan | ShareRx tiers 1-4, + Paramount Rx | ShareRx tiers 1-4, + Paramount Rx |
| Maternity and Childbirth | N/A | N/A | Choose a plan that shares $1,500, $2,500, or $5,000 per day. |
| Surgery | N/A | N/A | Choose a plan that shares $500, $1,000, or $2,000 per procedure, plus $100, $200, or $400 per day for anesthesia. |
| Mental Health Benefits | N/A | N/A | Up to $100/day for up to 10 days for mental health/substance abuse room and board |
| Eligible for VALIANT (Critical Illness Enhancement) | No | Yes | Yes |
| Eligible for VALID (Hospitalization Enhancement) | No | Yes | Yes |
| Eligible for VICTORY (Loss of Limb, Eyesight, or Hearing) | No | Yes | Yes |
| Eligible for VIRTUE (Dental Enhancement) | No | Yes | Yes |
| Eligible for the Lifestyle Discount Program | Yes | Yes | Yes |
| Zero-fee Telehealth | Yes, via MDLIVE | Yes, via MDLIVE | Yes, via MDLIVE |
Optional Add-Ons for More Cost-Sharing Power
1.) VALIANT – Supercharge Your Plan for Catastrophic Medical Events
Valiant is an optional add-on for all Ascend and Aspire-tier members. If you add Valiant to either of these tiers, JHS Community will share up to 100% of costs over and above your annual member responsibility amount for treatment for a variety of critical illnesses and events.
Examples include:
- Alzheimer’s disease
- Amyotrophic lateral sclerosis
- Benign brain tumor
- Cancer
- End stage renal disease
- Myocardial infarction (heart attack)
- Stroke
- Paralysis
Sharing under the Valiant option is subject to a 30-Day initial waiting period and a 6-month waiting period for pre-existing conditions.
2.) VALID – Protect Yourself Against the High Cost of Hospitalization
Valid is another optional add-on available to Ascend- and Aspire-level members that offers additional cost-sharing power in the event of an inpatient hospital admission.
You can choose a plan that provides up to $25,000, $50,000, or $75,000 in additional sharing power.
The Valid benefit also includes inpatient hospital admissions for mental health or substance abuse treatment.
Each plan requires members to pick up the first $5,000 Member Responsibility Amount before the additional sharing benefits kick in.
This Valid benefit is limited to hospitals in the PHCS network, and subject to a 30 day initial waiting period for new members.
There’s also a 12-month waiting period on pre-existing conditions.
Note: The Valid program does not share costs for intensive care unit, critical care unit, or neonatal ICU stays.
3.) VICTORY – Financial protection against the risk of accidental dismemberment, blindness, or paralysis
The optional Victory plan pays a lump sum in the event of the loss or amputation of a limb due to accident, loss of eyesight, loss of hearing, loss of speech and hearing, or various combinations of these losses.
You can choose a plan that pays out $1,000, $2,500, $5,000, $7,500, or $10,000.
You can use this cash to help pay for medical treatment, modify a car or van to accommodate your injury, help purchase a prosthetic or hearing aid, or for any other purpose you see fit.
A $250 member responsibility amount applies per accident before JHS Community will share costs.
JHS Community – Statement of Religious and Ethical Beliefs
All new JHS Community of Colorado members are ask to affirm they adhere to the following statement of religious and ethical beliefs:
- I believe every member has a fundamental and religious right to worship God in their own way.
- I believe it is my religious and ethical obligation to share in the burden of others when they need assistance according to my current resources and opportunities.
- I believe in sharing in a common, caring community of like-minded individuals with the need to come together regardless of race, age, gender, or political affiliation.
- I believe it is my obligation to care for my family, and that emotional, mental, and physical abuse of any kind to a family member, or to anyone else, is morally wrong.
Unlike some other faith-based health sharing ministries, JHS Community does not require members be members of any particular church or denomination, nor to attend services regularly.
Learn More About Faith-Based and Secular Health Sharing Options
Telehealth/Virtual Care Benefits
MDLIVE doctors are available for telephone and video consultations 24 hours per day, 7 days per week, and 365 days per year.
Prescription Drugs
There are four “tiers” in the ShareRx option:
ShareRx 1, which allows for up to $3,000 in additional cost-sharing for certain prescription drugs.
ShareRx 2-4. Each of these options tiers allow for unlimited sharing, but higher-tier plans include more drugs on their formularies.
In other words, low-tier plans have more exclusions than high-tier plans.
Click these links to view the formulary for each of these ShareRx option tiers:
Note: Medication, drugs, and pharmaceuticals are included in ShareRx. You can only receive a 30-day supply per medication. There are no mail-in orders, or 90-day supplies allowed. Based on which ShareRx offering you selected, what is included in ShareRx may vary.
Paramount Rx
All JHS Community Colorado members also have access to the powerful Paramount Rx program, which works at over 57,000 participating pharmacies in the U.S.
This is a discount plan rather than a traditional insurance plan. Members receive discounts of up to 20% on brand-name drugs, and up to 70% on generic medications.
Paramount Rx is unlimited, and members can use this benefit immediately upon their membership effective date.
This program can be useful to help pay for drugs that are excluded from their ShareRx tier formulary.
There’s also a 24-hour help desk for members who want to speak with a pharmacist about their medications.
Monthly contributions for prescription drug benefits via JHS Community are as low as $48.95 for an individual, or $68.95 for your whole family.
Maternity Benefits
Additionally, the Aspire plan includes the following preventive care and routine health services:
Pregnant Women
- Alcohol Misuse Screening and Counseling
- Anemia Screening
- Bacteriuria Screening
- Blood Test Screening for Rh Incompatibility
- Gestational Diabetes Screening
- Hepatitis B Screening
- Sexually Transmitted Infection (STI)
- Screening, Including Chlamydia,
- Gonorrhea, and Syphilis
- Tobacco Cessation Counseling
- Varicella (Chickenpox) Vaccine
- Herpes Zoster (Shingles) Vaccine
Breastfeeding Women
- Breastfeeding Specialist/Nurse Practitioner
- With a State-Recognized Certification and
- Who is an In-Network Provider
- Breastfeeding Support and Counseling
- by a Trained In-Network Provider While
- You are Pregnant and/or After You Have
- Given Birth
- Manual Breast Pump
- Please see the limitations under Medical (Preventative Care Only) below that
- pertains to the Summary of Eligible Wellness & Preventive Services.
Mental Health Treatment Cost Sharing
Pre-Existing Conditions
VALIANT
JHS Community’s The VALIANT program imposes a pre-existing condition waiting period of six (6) months from the member’s effective date, with a 12-month lookback period from that point. Newborns and newly-adopted children are not subject to a waiting period.
JHS Community defines a pre-existing condition as an injury, illness, or medical condition for which in the 12 months preceding a member’s effective date: (a) they have been diagnosed with, received treatment, or taken medications for; or (b) a prudent person would have sought medical advice or treatment for.
This provision is not applicable to members with a prior history of cancer or carcinoma in situ.
No medical needs will be considered eligible for sharing for cancer or carcinoma in situ, if the member was previously diagnosed prior to the Valiant offering becoming active and after the previous diagnosis, or if the member has not gone 12 months without treatment before a new diagnosis of cancer or carcinoma in situ made.
VALID
A 30-day waiting period applies before VALID enhancements take effect. For pre-existing conditions, a 12-month waiting period applies, starting from the membership effective date.
JHS Community Lifestyle Discount Savings Program
One way JHS Community differentiates itself from other health share ministries is its excellent set of discounts in its Lifestyle Program.
JHS Community has done more than most health sharing ministries to leverage its significant membership base by arranging for discounts across a variety of lifestyle, entertainment, and hospitality businesses:
- Up to 70% off at up to 400,000 hotels and resorts around the world via Hotelogical.
- Movie tickets: $11 flat rate movie tickets at AMC theaters (Additional surcharges may apply for premium formats and locations.)
- 15% off spa and wellness gift card purchases via SpaWeek
- Discounts on vitamins and supplements of up to 75% via www.NBBIVitamins.com.
Connect with a Personal Benefits Manager to learn more about JHS Community‘s Lifestyle Savings Program and start saving today!
VIRTUE – Cost Sharing for Dental Care
Virtue is another optional add-on, which provides additional cost-sharing benefits for dental care.
Members can choose a Virtue dental plan with an annual sharing limit of $1,000, $3,000, or $5,000.
After that, the Virtue option shares 100% of costs for preventative services, 80% of costs for basic dental procedures, and 50% of costs for major dental procedures.
Cost sharing for basic and major procedures kicks in after you pay an initial Member Responsibility Amount of $50 (for individuals) or $150 (for families).
A six-month waiting period applies to major dental services.
For a full breakdown of which services fall into basic and major categories, consult JHS Community’s Member Guidelines.
Cosmetic dentistry costs are not shareable, except to correct an accidental injury.
VIRTUE – Vision Benefits
96% of orders ship the same day.
Exclusions
JHS Community does not share costs for the following procedures and services:
- Abortion. Costs for abortion of a live fetus are not shareable.
- Alcohol. A member who has taken part in any activity involving alcohol that has caused an injury from a state of intoxication or negligence on the member’s part. This limitation does not apply if the injury:
- resulted from being the victim of an act of domestic violence.
- resulted from a documented medical condition including both physical and mental health conditions.
- Cosmetic surgery. Not shareable, unless to correct disfigurement from an accident or illness, a congenital condition, etc. Purely cosmetic procedures, botox, etc. are not shareable.
- Extreme sports. Injuries arising from certain extreme sports, such as helicopter skiing, hang gliding, skydiving, flying ultralight aircraft, motorcycle racing, cliff/mountain wall climbing, etc., are not shareable.
- Long term care. Long-term, custodial care for chronic conditions is not shareable. Contact a PBM about long term care insurance.
- Missed appointments. If you make an appointment with a provider and you no-show and are charged for the appointment, that cost is not shareable under JHS Community.
- Repetitive motion injuries. Costs are generally not shareable.
This is not a comprehensive list of exclusions. For the full list, contact a Personal Benefits Manager, or consult JHS Community’s member guidelines.
JHS Community Enrollment Details
Or for more personalized assistance, or help choosing a health share plan, contact a Personal Benefits Manager for a FREE appointment, consultation, and quote.
For Further Reading
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HEALTH INSURANCE INFORMATION
- Plans approved and authorized under the Affordable Care Act
- Covers Pre-Existing conditions
- Low cost subsidized plans available to those earning
< 400% of the federal poverty level - Unlimited lifetime benefits
- Available during open enrollment (November 1 – January 15), or if you qualify for a Special Enrollment Period
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HEALTH COST-SHARING INFORMATION
- Not health insurance, but a way for like-minded individuals to share medical expenses
- Waiting periods on pre-existing conditions
- May exclude sharing for certain conditions or activities
- Enroll any time
- Much lower monthly cost than unsubsidized health insurance
JHS Community Reviews Section
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Great healthshare community!
JHS Community has been a lifesaver for me! The healthcare sharing process is simple and affordable, and I feel supported by the community. I’ve had excellent experiences with both customer service and bill sharing.
Just okay
JHS Community has been okay overall. The savings are real, but I’ve had some issues with delayed responses and a few misunderstandings about what’s covered. It’s good for the price, but not perfect.
Satisfied customer!
I couldn’t be happier with JHS Community. The staff is incredibly helpful, and the sharing model has saved me so much compared to traditional insurance. I love being part of a community that cares.