Zion HealthShare operates on a foundation of mutual trust and shared responsibility. This agreement clarifies our approach to pre-payments and virtual card usage, outlining how they impact your sharing privileges. By using Zion HealthShare’s pre-payment and virtual card services, you agree to adhere to the guidelines and responsibilities set forth in this document. Please read below to learn more about the proper use of your Zion HealthShare virtual card and pre-payments.
What are Pre-Payments?
Pre-payments allow members to submit eligible medical bills for consideration by the Zion HealthShare community before they incur the cost themselves. If deemed eligible for sharing, the community can share costs upfront, making it easier to manage larger medical expenses before the incident occurs. It is crucial to ensure all information submitted with a pre-payment request is accurate.
Issuance and Use of Virtual Cards
Upon approval of your sharing request, Zion HealthShare may issue a virtual card to facilitate payment at the time of medical service, or for medical expenses that have already occurred, provided an itemized bill has been submitted. Your Zion HealthShare virtual card is a temporary, unique card generated for time-of-service payments related to an approved sharing request. As a reminder, Zion HealthShare will only share in the related costs as outlined in the sharing request’s determination for sharing, any additional services will require review.
How Virtual Cards Work
Upon approval of your sharing request, you will receive a virtual card via email with a pre-loaded amount designated for that sharing request’s eligible medical expenses as outlined in the Member Guidelines. The card will expire after a set time limit. Any unused funds will revert back to Zion HealthShare. Bills eligible for sharing received after the time-of-service date should be emailed to needs@zionhealthshare.org or submitted through your member portal.
Proper Use of the Virtual Card
- Do not share your virtual card information with anyone unauthorized to use it.
- Use the virtual card only for the designated eligible medical expenses associated with the approved sharing request.
- Submit a payment receipt after using the virtual card.
Improper Use of Virtual Cards or Community Funds & Overpayments
If Zion HealthShare identifies an overpayment, a misuse of community funds, or improper use of a virtual card, you will be notified by email. Zion HealthShare defines improper use of a virtual card as using the card for any purpose not approved by Zion HealthShare. In a separate email, we will provide instructions on how to return those funds to the Zion HealthShare community. You will have fourteen (14) days from the notification date to return the full amount. Sharing will be paused during that fourteen (14) day period, and your household’s pre-payment and virtual card privileges will be suspended for one year if the funds are not returned. Once you return the funds in full, your household sharing will resume.
If the full amount is not returned within fourteen (14) days, the sharing restrictions mentioned earlier will continue, and all sharing requests submitted on or before the notification date will no longer be eligible for sharing. If the funds are not returned within thirty (30) days, your membership will be revoked.
Dispute Resolution
If you disagree with the findings about the funds owed to the community, you have up to thirty (30) calendar days from the notification date to explain your dispute in writing and send it to needs@zionhealthshare.org. During this time, all deadlines and sharing request holds will still be in effect. Your dispute will be reviewed, and you will be informed of the final decision and next steps by email.
Any payments returned to us will not be used for household sharing requests or applied to you IUA (Initial Unshareable Amount). Additionally, we reserve the right to recover these funds through various methods, such as involving collection agencies or taking legal action.
By participating in Zion HealthShare’s pre-payment and virtual card services, you acknowledge and agree to the terms outlined in this agreement. Please reach out to needs@zionhealthshare.org with any questions.
Member Guideline Notice
Notice
Please note all article sections formatted like this are official member guidelines and will be marked “*Official Member Guideline” when applicable. Anything else is simply helpful information to assist you in understanding the member guidelines and how to use your Zion HealthShare Membership.
Members who call the Zion HealthShare office asking about eligibility of medical expenses will be given an opinion, not a decision. Sharing Requests and medical expenses cannot be authorized over phone. For more information on submitting bills to Zion HealthShare, review the Member Guidelines or login to your Member Portal.
These guidelines are effective as of January 1, 2025.
Note
The Member Guidelines that go into effect January 1, 2025 will only be applicable to sharing requests that are submitted on or after that date. If a sharing request was submitted prior to January 1, 2025 the sharing request will be reviewed for sharing eligibility according to the Member Guidelines in effect at that time.