OneShare Health is a Health Care Sharing Ministry (HCSM) that facilitates the sharing of medical expenses among its members. It operates on a voluntary and collective effort to pay for healthcare expenses by members of the sharing community. Here’s a step-by-step explanation of how OneShare Health works:

**Monthly Contributions**: Members make monthly contributions, which are designated for sharing requests. These contributions are used to help other members afford their eligible medical expenses.

**Member selects a Provider**: OneShare Health gives its members the freedom to choose any healthcare provider, hospital, or facility they prefer. Members are not restricted to an In-Network/Out-of-Network requirement for physicians and facilities.

**Sharing Request**: When members have an eligible medical expense, they can submit a Sharing Request through their OneShareBox account. To do this, they must fill out an Expense Sharing Request Form and attach the itemized bill/invoice and any receipts of their payments. The form can be emailed, faxed, or mailed to OneShare Health.

**Sharing Eligibility and Price Determination**: OneShare Health determines the sharing eligibility and price for the request. They use a Fair and Reasonable Sharing methodology to help keep member costs down and facilitate sharing at a fair and reasonable amount for eligible medical services.

**Explanation of Sharing (EOS)**: After processing the form and submitting the request for member sharing, OneShare Health sends the member an Explanation of Sharing (EOS)[4]. The EOS contains the charges from the healthcare visit shared by other members, the charges applied to the member’s Individual Sharing Amount (ISA), and any other charges that were not shared (i.e., what the member is responsible for paying to their healthcare provider).

**Sharing Request Fulfilled**: Once the sharing request is fulfilled, the member’s OneShareBox records are updated. Members’ contributions help each other afford eligible medical expenses, and in turn, they receive assistance from the same resources when eligible healthcare needs arise in their families.

OneShare Health acts as a facilitator, bringing together first-class processes and providers for the sake of its members. It is important to note that OneShare Health is not an insurance company but a religious Health Care Sharing Ministry that does not assume legal risk or guarantee or promise that medical bills will be paid or shared by the ministry or its members.

OneShare Health offers a unique, faith-based approach to healthcare. It provides an affordable and flexible alternative to traditional health insurance, focusing on community and shared responsibility. As an independent insurance agent, I believe OneShare Health is worth considering for those who align with their core biblical principles and are looking for a different approach to managing their healthcare costs.

Remember, OneShare Health is not health insurance but a Health Care Sharing Ministry. It’s always important to thoroughly research and consider your healthcare options to find the best fit for your needs. If you have any questions or would like more information about OneShare Health, feel free to reach out. I’m here to help you navigate your healthcare options.