Skip to content
iStock-691380634

Health care done the RIGHT Way.

Save 30-50% on Healthcare costs today!

Get your personalized quote in 2 steps.

(No strings attached.)

ShareRight is a program of IHS, one of the fastest-growing healthcare sharing organizations in the country.

If the price fits, can we show you a little more?

We will reach out with additional information to help you decide if ShareRight is right for you. 

Discover the ShareRight Advantage

Join ShareRight and experience healthcare that aligns with your values and grants you the freedom to prioritize your health your way.
Cost-Effective Solutions Experience significant savings with ShareRight. Members can expect to save 30-50% on their healthcare expenses, making quality care more accessible than ever before.  
All-Encompassing Care

From preventative measures to mental health services, prescriptions, and telemedicine, ShareRight ensures you have access to a full spectrum of healthcare services.

 
 
True Freedom in Healthcare With ShareRight, enjoy unparalleled freedom in choosing your healthcare providers. Whether it's your trusted doctor or any other nationwide provider, the choice is yours.  

Why Healthcare Sharing?

To learn more about why healthcare sharing is becoming critical in combating rising insurance costs and expanding access to care, watch our video now!

An Affordable Alternative To Health Insurance

Take control of your healthcare expenses with ShareRight. Discover how you can save money while preparing to empower your family's healthcare decisions.

Little_sisters_outdoor

Want to see how ShareRight measures up?

Download a guide to help you decide if ShareRight is RIGHT for YOU!

Frequently Asked Questions

How does it work?

 

What are the rules or Guidelines?

The Guidelines explain how ShareRight facilitates sharing. Because ShareRight is not insurance, it is important for members and those interested in becoming a member to read the guidelines to understand how the membership works. 

A full copy of the Guidelines is always available online. Please remember that the current Guidelines are always used when processing bills.

Do you accept people with pre-existing conditions?

Yes, but sharing is limited for pre-existing conditions and it is important to understand what is considered pre-existing. 

Pre-existing medical conditions are conditions in which known signs, symptoms, testing, diagnosis, treatment, or use of medication occurred within 36 months prior to membership (based on medical records). A known sign is any abnormality indicative of disease, discovered on examination/diagnostic testing before joining membership. A symptom is any subjective evidence of disease. In contrast, a sign is objective.


A Pre-Existing Medical Condition is eligible for sharing after the condition has gone 36 consecutive months without known signs, symptoms, testing, diagnosis, treatment, or medication (based on medical records).

If you have been diagnosed with cancer that is in complete remission and you are only undergoing testing for surveillance purposes, then bills related to those services will not be eligible for sharing for the first 36 months of membership. If after 36 months you are without signs, symptoms, testing (other than surveillance testing), diagnosis, or treatment (medication), medical expenses related to that cancer diagnosis will be eligible for sharing.

High blood pressure or high cholesterol that is controlled through medication will not be considered a Pre-Existing Medical Condition for purposes of determining eligibility for future vascular or cardiac events.

The Pre-existing medical condition limitations do not apply to members 65 years old and older.

Is there a deductible?

Members do not have deductibles. Instead, our members have a Primary Responsibility Amount (PRA).

The PRA options are as follows:

  • $1,000 (65 years and older only)
  • $2,500
  • $5,000
  • $7,500
  • $10,000

The PRA is the annual amount a Member Household is responsible for before medical bills can be approved for sharing. The PRA applies only to Eligible Medical Bills. After the PRA has been met, and the co-share is applied, all Eligible Medical Bills will be submitted for sharing for the entire household. 

What about Preventive care?

Preventive screenings as outlined below are subject to PRA and co-share.


• Women: Pap test—one every three years from age 21-65
Mammogram—one every year for ages 45-54,
every two years starting at age 55
• Men: PSA test—one every year, starting at age 45
• All: Colonoscopy—one every 10 years starting at age 45 or one every five years for members at high risk

As it pertains to eligible preventive care for both men and women, both the test and coordinated office visit will be eligible for sharing.

Are maternity expenses eligible for sharing? Maternity is eligible for sharing after the mother has been a member for 12 months. Sharing is limited to $150,000 for any single pregnancy event, including antepartum care, the cost of delivery, and complications to the mother, and postpartum care. See the Guidelines for more details.
If I am 65 years old or older, how does ShareRight work with medicare?

ShareRight for Seniors simplifies the healthcare experience.

  • No Provider fees.
  • No Co-share.
  • No Pre-existing limitations.

 Here are a few things to know:

1. If you are 65 or older, you are required to have Medicare Parts A & B to join.

2. ShareRight is always secondary to Medicare Parts A & B. One great thing about this is that there are no pre-existing condition restrictions or provider fees for members with Medicare. 

3. You are welcome to use your member card to access the pass-through direct pricing on prescriptions. One thing to note, for prescription costs to be eligible for sharing, members must have Medicare Part D as well.

4. All sharing will be secondary to Medicare. There is only one PRA level available to these senior adults (see pricing calculator above). This program is available only on an individual membership basis.

5. The PRA for senior adults is $1,000 with no provider fees, no co-share, and no pre-existing limitations.