Member Ambassador Program

Table of Contents

How It Works Appreciation Gifts Eligibility Referral Submission The form must include: Company Referral Rules Household Limit Program Availability Ineligible Participants Verification and Fraud Prevention Reward Fulfillment Program Changes Disclaimer

The Zion HealthShare Member Ambassador Program is our way of saying thank you to members who help grow our community by sharing their positive experiences. When someone you refer joins Zion HealthShare and remains an active member for 60 days, you’ll receive an appreciation gift. The program applies to new referrals who join on or after 11/24/2025.

Members can earn up to five rewards per household for the lifetime of the program.

Submit a Referral

How It Works

Refer someone you know. Share Zion HealthShare with a friend, family member, or colleague.
They enroll. The referred household joins Zion HealthShare and becomes an active member.
You earn a reward. After their first 60 days of active membership, you’ll receive your appreciation gift.

Rewards are typically issued 2-4 weeks after verification.

Appreciation Gifts

Referring members may receive up to five total rewards per household for the lifetime of the program.

1st Referral: Zion HealthShare Swag Store Credit

2nd Referral: National Parks Annual Pass

3rd, 4th, & 5th Referrals: $100 credit toward your next IUA (credits may be stacked)

Eligibility

Only active Zion HealthShare members in good standing are eligible to participate and receive rewards.
The referring member must remain active at the time the reward is issued.
The referred household must be new to Zion HealthShare and must not have any previous enrollments.
The referred household must remain active for 60 days and two full months of contributions.
Program participation is voluntary and not a condition of membership.

Referral Submission

To qualify for a reward, a referral form must be submitted within 90 days of the referred household’s enrollment.

The form must include:

Referring member’s full name and email (as listed on their Zion HealthShare membership)
Referred household’s name, email, and ZIP code

Submit Your Referral Form [Link]

Company Referral Rules

Referrals involving companies follow special guidelines:

A referred company counts as one referral, regardless of the number of households that enroll.
The company must remain active for 60 consecutive days.
At least two households must be enrolled under that company for the referral to qualify.

Household Limit

Only one reward will be issued per referred household, regardless of how many individuals in that household enroll.
Each Zion HealthShare household is eligible for a maximum of five total rewards throughout the lifetime of the Member Ambassador Program.

Program Availability

The Member Ambassador Program is not available to residents of:

Washington (WA), Montana (MT), Massachusetts (MA), Maryland (MD), New Mexico (NM), or Pennsylvania (PA).

Referrals from or for households in these states are not eligible for rewards. Zion HealthShare reserves the right to verify residence status.

Members are not permitted to actively solicit or market Zion HealthShare. The referral incentive is intended solely for sharing with family and friends in a personal capacity.

Ineligible Participants

The following individuals and entities are not eligible to participate or receive rewards:

Zion HealthShare employees, Board members, and their household members
Registered affiliates and their household members
Employees and affiliates of Planstin and Zion HealthShare Marketing Organizations, and any affiliates or representatives of those organizations

Verification and Fraud Prevention

All referrals are subject to verification. Zion HealthShare reserves the right to withhold or revoke rewards for any duplicate, fraudulent, incomplete, or unverifiable referrals.

Referrals must be for separate, unrelated households.
Self-referrals or referrals within the same household are not eligible.
Only the first valid referral form submitted for a household will be considered. Duplicate submissions will not result in multiple rewards.

Reward Fulfillment

Rewards are issued 2 to 4 weeks after the 60-day verification period.
Rewards have no cash value and cannot be exchanged or transferred.
Zion HealthShare is not responsible for lost or undeliverable shipments or delays by third-party delivery services.

Program Changes

Zion HealthShare reserves the right to change, suspend, or discontinue the program or its terms at any time without prior notice.

Fulfillment processes may also be adjusted to comply with IRS regulations and organizational policies.

Participation may be reportable for tax purposes. Members are responsible for reporting rewards as income if required by law.

Disclaimer

Zion HealthShare is not an insurance company. Neither this publication nor membership in Zion HealthShare are issued or offered by an insurance company. The purpose of the Member Guidelines is to help members understand and identify medical needs that may qualify for member sharing and the process by which member-to-member sharing is facilitated. The Member Guidelines are not for the purpose of defining the amounts that Zion HealthShare community will reimburse or share into. While the Zion HealthShare community has shared in all eligible member sharing requests to date, membership does not guarantee or promise that all eligible sharing requests will be shared. Rather, membership in the Zion HealthShare community merely guarantees the opportunity for members to share the financial burden in another member’s time of need. The financial assistance members receive will come from other members’ monthly contributions and not from Zion HealthShare.

THIS PUBLICATION AND MEMBERSHIP IN ZION HEALTHSHARE SHOULD NEVER BE CONSIDERED A SUBSTITUTE FOR A HEALTH INSURANCE POLICY. IF THE COST-SHARING COMMUNITY IS UNABLE TO SHARE ALL OR PART OF A MEMBER’S ELIGIBLE MEDICAL SHARING REQUEST, THE MEMBER WILL REMAIN SOLELY FINANCIALLY LIABLE FOR ANY AND ALL UNPAID MEDICAL EXPENSES. THESE GUIDELINES DO NOT CREATE A LEGALLY ENFORCEABLE CONTRACT BETWEEN ZION HEALTHSHARE AND ANY OF ITS MEMBERS. NEITHER THESE GUIDELINES NOR ANY OTHER ARRANGEMENTS BETWEEN MEMBERS AND ZION HEALTHSHARE CREATE ANY RIGHTS FOR ANY MEMBER AS A RECIPROCAL BENEFICIARY, A THIRD-PARTY BENEFICIARY, OR OTHERWISE. AN EXCEPTION TO A SPECIFIC PROVISION OF THESE GUIDELINES ONLY MODIFIES THAT PARTICULAR PROVISION AND DOES NOT SUPERSEDE OR VOID ANY OTHER PROVISION. THE DECISION BY ZION HEALTHSHARE TO REIMBURSE A MEMBER’S ELIGIBLE SHARING REQUEST DOES NOT AND SHALL NOT CONSTITUTE A WAIVER OF THIS PROVISION OR ESTABLISH BY ESTOPPEL OR ANY OTHER MEANS ANY OBLIGATION ON THE PART OF ZION HEALTHSHARE TO REIMBURSE A MEMBER’S ELIGIBLE SHARING REQUEST. TO SEE YOUR STATE NOTICE AND REGULATIONS PLEASE VISIT OUR WEBITE.

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 the 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 April 1, 2025.

Note

The Member Guidelines that go into effect April 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 April 1, 2025, the sharing request will be reviewed for sharing eligibility according to the Member Guidelines in effect at that time.

Zion HealthShare is not an insurance company. Neither this publication nor membership in Zion HealthShare are offered by an insurance company. Visit ZionHealthShare.org to view your state-specific notice.