Planstin Preventive MEC Plan Pairing with Zion HealthShare means no deductible to meet, rather for any qualifying expense (see Zion HealthShare member guidelines), you pay the first $1,250 (known as your Initial Unshareable Amount or IUA) of qualifying medical events and the HealthShare pays the rest.  After you pay 3 IUAs, in a 12 month period, any other major event over $500 is paid by Zion HealthShare w/o requiring another $1,250 IUA.   More money can go into your Health Savings Account if the HSA Plan is selected or choose the Copay plan if you prefer a copay instead of receiving HSA dollars.  All Preventive care 100% covered.  Rx Discounts. 

See Member Guidelines and talk to an HCap Insurance Agent to learn how Pre-Membership Conditions are handled on this plan.    

With these plans you present yourself as a “Self-Pay” Patient for anything that is not preventive coverage and pay at time of service or when billed.  Your responsibility is for first $1,250 IUA using your HSA (if applicable).  You have responsibility to learn the Zion HealthShare Member Guidelines.  Your employer will also contribute to your Health Savings Account Plan. 

Note:  High blood pressure, high cholesterol, and diabetes (types 1 & 2) are not considered pre-membership medical conditions as long as  1. no hospitalization for the condition in 12 months prior to joining and 2. the member is able to control the condition through medication or diet.