Membership eligibility is primarily based on:

1. Adherence to the Zion HealthShare Principles of Membership.
2. Participation in the community by submitting monthly contributions.
3. Reside in the United States or Puerto Rico.

After committing to these primary eligibility requirements, prospective members are eligible
to join the Zion HealthShare community. Membership may begin on a date selected by the
prospective member or specified by Zion HealthShare, known as the membership start date.
The prospective member’s monthly contribution must be received within 15 days of the
agreed-upon membership start date. Once the first monthly contribution has been received
membership is considered active.

Commitment

Members commit to abide by a set of personal standards as outlined in our Principles of
Membership. If a violation of the Principles of Membership is discovered through review of a
member’s submitted medical records, all sharing for that member will be put on hold. This
hold will begin on the date the violation was discovered or recorded. Notification of the hold
and an explanation of the discovery will be issued to the member.

Members will have 30 days to submit documentation supporting compliance with the
Principles of Membership. If submitted documentation does not satisfactorily demonstrate
compliance, membership may be revoked. If membership is revoked due to a violation of the
Principles of Membership, Zion HealthShare will not return the offending member’s
contributions received prior to the date of revocation.

Participation Through Contributions

Members submit monthly contributions (based on their membership IUA option) to
participate in the medical cost sharing community. Direct members can make their
contributions directly with Zion HealthShare. Essential members can make monthly
contributions through their employer or DPC practice.

Participation in the medical cost sharing community is voluntary, but monthly contributions
are required for active membership and sharing eligibility. Monthly contributions must be
received no later than 30 days after the contribution date. If a monthly contribution is not
received by the last day of the billing month, the membership will become inactive, and the
member will be withdrawn from the medical cost sharing community.

Withdrawn members may reapply if they meet all eligibility requirements. Once the member
reapplies and membership is reinstated by Zion HealthShare, the member will become
eligible to participate in our medical cost sharing community. All sharing requests submitted
after the membership is inactive and before reinstatement will be ineligible for member-tomember sharing, and any medical conditions existing before the member is reinstated will
be considered pre-membership medical conditions.

Qualification

Applicants must meet all criteria in the Member Guidelines, Principles of Membership, and
membership application form to qualify for membership. If, at any time, it is discovered that a
member did not submit a complete membership sign-up form, membership may be
retroactively withdrawn or revoked.

While member health status has no effect on eligibility for membership, there are sharing
limits for some pre-membership medical conditions. Sharing requests that are not eligible
for sharing may still be shareable through the Additional Giving fund.

See the Additional Giving section for details.

Active Membership

Membership is considered active when the member has paid their monthly contributions on
time and is in good standing with Zion HealthShare. For a sharing request to be shared,
membership must be active during the date(s) of service, when medical bills are received,
and when the IUA is paid. If a membership becomes inactive before a sharing determination is made, the bills may not be shared with the community. Any pre-membership medical
condition limitations are applied based on the first date of active membership.

Residency Statement

Zion HealthShare members must reside within, and be a resident of, the United States or
Puerto Rico to participate in and contribute to medical cost sharing. Members who choose to
move outside of the United States or Puerto Rico must notify Zion HealthShare in writing
within 15 days of moving, and the membership will be withdrawn.