Pre-Existing Conditions Limitations

Any illness or accident for which a person has been diagnosed, received medical treatment, been examined, taken medication, or had symptoms for 24 months prior to the Effective Date.  Needs that result from a Pre-existing condition that existed prior to a Member’s Effective Date (known or producing observable symptoms) are only shareable if the condition appears to be fully cured and 24 months have passed without any symptoms (either benign or deleterious), treatment, or medication, even if the cause of the symptoms is unknown or misdiagnosed.

Waiting Period

In the first year of Membership, pre-existing conditions have a waiting period and are not sharable with the Zion Health community yet. After the first year of continuous Membership, up to $25,000 can be shared with the community. After the second year of continuous Membership, up to $50,000 can be shared with the community. After the third year of continuous Membership and going forward, up to $125,000 can be shared with the community.