OneShare Health of Colorado
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OneShare Health of Colorado, formerly known as Kingdom Healthshare, is a faith-based health share ministry organization originally founded by a group of health care professionals who were frustrated at the limitations, inflexibility, and inflated costs of traditional health insurance approaches.
OneShare Health has roots in the Anabaptist faith. But membership is open to anyone who adheres to OneShare Health’s Statement of Beliefs, which is at the bottom of this article.
OneShare Health of Colorado Options
Colorado customers can choose from three major types of healthshare plans:
1. Catastrophic, which provides limited benefits centered around high-cost medical events;
2. Classic, which is a balanced but budget-friendly plan offering a mix of emergency and routine medical costs (over an annual Initial Unshared Amount, which functions similarly to a health insurance plan’s deductible, and;
3. Complete, which offers the broadest range of services and benefits.
The Classic membership is OneShare’s most popular offering, thanks to the reasonable monthly costs, long list of shareable benefits, and the fact that it’s the lowest membership tier that also includes value-add protections like dental benefits, vision benefits, and hearing benefits.
It has three membership tiers: Basic, Enhanced, and Crown.
Monthly contributions for Colorado residents start as low as $125 for a self-only healthshare plan, $210 for couples, and $310 for families.
In each case, these monthly costs amount to just a fraction of what it would cost to purchase an Affordable Care Act-qualified health insurance policy on the Connect For Health Colorado marketplace without a government subsidy.
Healthsharing vs. Insurance
Like all health sharing plans, OneShare Health of Colorado plans are not health insurance. They are not structured or regulated as health insurance companies in Colorado. Instead, they are a much more affordable alternative to traditional health insurance that have proven themselves enormously popular among Colorado residents.
They are especially well suited for those who’ve been left out of the subsidy schemes under the Affordable Care Act, or who only qualify for a small subsidy.
All three membership types available in Colorado cap lifetime sharing benefits at $1 million.
Perks of OneShare Health of Colorado
Unlike most policies available on the Connect for Health Colorado marketplace website, OneShare Health’s plans do not restrict patients to any narrow care “networks” for non-emergency services.
OneShare Health of Colorado, like most healthsharing ministry organizations, believes strongly in the power of choice and empowering individuals to make medical choices for themselves and their families.
Rather than limit you to a network of lowest bidders who may or may not provide the quality of care you and your family needs, OneShare Health of Colorado lets you use your healthsharing benefits with any willing provider, in or out of the United States.
OneShare Health facilitates sharing of all eligible expenses at a “fair and reasonable” amount at any hospital, outpatient facility, surgery center, or clinical lab facility
If you don’t have a doctor in mind and don’t know where to turn, OneShare Health’s team has an extensive list of doctors and providers all over Colorado who have successfully treated fellow OneShare members at reasonable prices.
OneShare Health of Colorado Telehealth
All OneShare healthsharing plan members enjoy access to telehealth services for minor and routine medical issues. The service is staffed by board-certified MDs 24 hours a day, 7 days a week. All costs are 100% shareable. That means you pay nothing out of pocket.
Healthsharing plans have found that providing free or nearly free 24/7 access to a telehealth service actually substantially reduces overall costs. Patients also find it very convenient because they can handle minor medical events quickly without needing to take time off work or travel to an in-person medical appointment.
Preventive Services and Wellness Visits
All OneShare memberships include an annual wellness visit. You also get preventative care visits, which are fully shareable up to $1,000 per year.
Pre-Existing Conditions
OneShare Health of Colorado defines a pre-existing condition as any illness that has been treated within the 24 months prior to joining the plan.
Generally, expenses related to treating pre-existing conditions become shareable 24 months after joining the plan. However, some chronic conditions that require treatment to prevent future more expensive problems may be eligible for immediate sharing.
Waiting Periods
A 90-day waiting period applies before bills for treatments of anything other than acute illnesses, injuries, and accidents are shareable under the plan. But you can still access free telehealth visits as needed to update prescriptions, get care recommendations, etc.
Surgery Waiting Periods
A 60-day waiting period from your membership effective date applies to scheduled in-patient and outpatient surgeries. But life-saving emergency surgery costs are shareable immediately, subject to you meeting your Individual Sharing Amount.
Specialist Visits
OneShare Health’s Basic and Enhanced plans do not include specialist visits. The Crown membership includes specialists, with a $75 visit fee, which functions similarly to a copay.
Maternity Benefits
Maternity benefits are included in the Select membership in the Crown tier, but not in the lower membership tiers.
Diagnostic Imaging
Diagnostic imaging, such as X-rays and MRIs, is eligible for sharing.
WellCard Savings
All OneShare Health members receive a WellCard Savings card. This card enables members to receive deep discounts on all kinds of medical services and supplies from participating members.
You can use it any time. It’s free to use. There’s no additional monthly membership fee. You can even continue to use your WellCard Savings Card after you leave the plan.
WellCard Savings is great for most people who don’t expect to meet their annual Individual Sharing Amount. The discounts directly reduce your out-of-pocket costs, and help keep your main OneShare Health plan as affordable as possible for you and other Coloradans!
OneShare Health Diabetic Care
OneShare’s Diabetic Care program allows plan members to save up to 75% on diabetic care supplies, such as test strips, lancets, and other testing supplies, and have them delivered directly to your home.
Mental Health Benefits
OneShare members have 24/7 access to a Mental Health chatbot from Clever HealthTM.
OneShare Health of Colorado Statement of Beliefs
We believe…
..in the authority of Scripture and the sanctity and dignity of every human life created by God with special meaning and purpose.
– II Timothy 3:16; Psalm 139:13-14
…that every individual has the constitutional and religious right and duty to worship God in freedom.
– II Corinthians 3:17; U.S. Const. amend. I
…and agree in the biblical and ethical principle of sharing with those who are less fortunate and who experience medical needs.
– Galatians 6:2
…and agree that it is our responsibility to God and our fellow Members to engage in accountable, healthy living, and to avoid habits and behaviors which are harmful to the body.
– I Corinthians 6:19-20
…in the power of prayer to save lives, to heal lives, and to unite our Members in common purpose and community, and we believe that prayer should be a fundamental practice of daily life.
– I John 5:14; Philippians 4:6-7
OneShare Health of Colorado FAQ’s
Can I choose my own doctor with OneShare Health in Colorado?
Yes. You can use your OneShare Health plan with any doctor or provider you choose.
While many traditional health insurance plans (HMOs and PPOs) restrict you to a narrow network of authorized providers for non-emergency care, OneShare Health has no such restrictions.
OneShare Health provides cost sharing for any inpatient, outpatient, hospital, surgery center, or clinical lab facility for eligible services under your chosen program.
OneShare Health provides an online physician locator service called MyChoiceProvider. You may use the physicians listed on this directory, but you are not required to. However, if your chosen physician charges more than what our date indicates is a Fair and Reasonable Amount, you may be responsible for more cost sharing.
What maternity benefits are included with OneShare Health?
Maternity benefits are only included with the Classic Crown membership.
Medical expenses for the mother’s prenatal, delivery, and hospital, birthing center, or midwife services (with birthing at home-related expenses), are eligible for sharing, provided that the pregnancy started after the mother’s effective date of membership.
Costs are shareable after your ISA is met, subject to the following limitations:
- Natural delivery expenses are eligible up to a maximum of $5,000.
- C-Section delivery expenses are eligible up to a maximum of $8,000.
- Complications of delivery expenses are eligible up to a maximum of $50,000.
Does OneShare Health benefits include diabetes care?
OneShare Health provides for the routine maintenance of diabetes as a chronic condition as follows:
- Diabetes Type 1 and Type 2: A1c testing (limited to 2 such tests per Program Year)
- Blood pressure screening conducted at a Primary Care Physician Visit
- Annual group of blood tests measuring the amount of cholesterol and fats in the blood (lipid panel).
- Annual urine test measuring albumin excretion (for Type 1 diabetics with diabetes more than 5 years in duration and for all Type 2 diabetics).
- Annual blood test measuring serum creatine.
- Annual retinopathy screening and treatment.
Annual screening for microalbuminuria (Eligible once a child reaches age 10 and has had diabetes for at least 5 years).
Do I need to get preauthorization from OneShare Health before getting medical care?
OneShare Health does not require preauthorization for bona fide health emergencies.
But you do need to get prior approval for certain non-emergency procedures. This is partly so that the eligibility for cost sharing can be verified, and partly so that OneShare Health staff can help you negotiate the very best pricing available for that procedure.
Pre-notification is required for the following procedures:
- Inpatient Hospital Confinements (including hospitals, skilled nursing, and inpatient rehabilitation Facilities).
- Outpatient Surgery (including but not limited to: surgical centers, clinics, hospitals).
- Maternity.
- Organ/Tissue Transplant Services.
- Home Health Care Services.
- Cancer Services.
- Equivalent/Alternative Care including Chiropractic Care and Manipulation Therapy in lieu of surgery.
Does OneShare Health share costs for mental health care and counseling?
Yes, though your eligibility will differ based on the plan you select.
Under the OneShare Classic programs, the plan will share up to $1,500 for outpatient mental health care and counseling costs, and up to $3,000 for inpatient costs, after your ISA is met.
Under the Catastrophic plan, OneShare Health will share up to $3,000 in inpatient mental health care costs once your ISA is met. Outpatient mental health care costs are not shareable under the Catastrophic plan.
When is open enrollment for OneShare Health of Colorado?
There is no open enrollment period for OneShare Health of Colorado.
You can enroll at any time during the year. However, the program may impose a waiting period before costs from pre-existing conditions become fully shareable.
Got questions? We’re here to help!
If you have questions about anything related to paying for healthcare, whether it’s a healthsharing plan like OneShare Health or a health insurance plan, we have helped thousands of Coloradans achieve lower costs for themselves or their small businesses.
Just click the link below, and make an appointment with a Personal Benefits Manager!
We look forward to serving you.
Ready to sign up?
OneShare Catastrophic is best suited for individuals and families who are overall healthy and are looking to join a program that shares mainly catastrophic medical needs.
OneShare Classic is for individuals and families who are concerned about medical needs as well as hospital concerns. Classic is the most popular choice.
OneShare Complete is for individuals and families who want a more complete sharing program and more overall coverage.
Call us at 800-913-0172 to discuss your options with a Personal Benefits Manager, or you can Schedule a Free Consultation.
Health Insurance Instant Quote
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
Healthshare Instant Quote
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
OneShare Reviews Section
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A Refreshing Alternative to Traditional Insurance
OneShare Health is a great option for anyone looking for an alternative to traditional health insurance. The prices are reasonable, and the coverage is comprehensive. I’ve been a member for over a year now and have been extremely happy with my experience.
Customer service has been stellar. The plan is easy to use, and it definitely saves me significant amounts of money compared to my Blue Cross premiums before I found out about the power of healthsharing!
Overall, I’m very happy with the plan, and recommend it highly.