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indipop Essential + HSA Group

Powered by Zion Healthshare

Navigating the healthcare system doesn’t have to be a headache. All indipop plans include a level of service that most of our members have never known possible before indipop.

Same day membership, start your plan any day of the month!

BYOB, Build Your Own Benefits, you pay for what you need and custom create the plan that fits your needs. 

1. Choose the major medical IUA and enroll. 
2. After you enroll you can add in the benefits you choose.

This option is not available in Washington

Rates guaranteed though December 31st, 2024

Why people love this plan:

Plan Benefits
that can be added in

Provides Preventive Services as Mandated by the Affordable Care Act (ACA)

    • Annual Wellness Visit
    • Well-Woman Visit
    • Childhood Immunizations
    • Mammograms – 6 month wait period
    • Colonoscopies- 6 month wait period

As a Member, you may access our primary, pediatric, women’s health, and behavioral health board-certified physicians on your own time, whenever and wherever. Through a convenient web and mobile experience, you are free to text directly with our providers to get the answers you need, including access to additional support. This solution will be accessible via secure text (with image share, phone, and video available) 24/7 365 days a year.

Zion HealthShare has partnered with Primestin and now offer Talkspace for mental health.

Virtual mental health services to get convenient help that you need with Talkspace

  • 3 months of access to a licensed therapist
  • 2 virtual visits per month and regular text
  • audio and video messaging to your therapist for an additional $50 each month
  • After 3 months, you can do this at a rate of $200 per month.
Note:  Psychiatrists are specialists and therefore subject to the $50 copay

Member becomes pregnant and receives prenatal care for 9 months. Member has standard vaginal delivery and postnatal care. Delivery is successful without further complications. The doctor prescribes several medications.

Pre and Postnatal Care, Ultrasound and Labs, Delivery,Prescriptions

Any pregnancy that is conceived prior to membership is not eligible for sharing.

The indipop Essential + HSA powered by MPB Health, offers a low deductible for a medical need.

$1,000 per major medical/hospitalization capped at $3,000 annually.
Example: A broken leg, $1,000 is the patient responsibility amount, this is the out of pocket cost for the surgery, aftercare provider visits, and physical therapy if needed.

Emergency Room
The max out of pocket for an ER visit is $1,000.

Keep your provider or choose a practitioner you want to work with. This plan is not a PPO or HMO, there is an open network and set rates for medical needs with transparent pricing. This ensures you don’t have to worry about networks and what surgeon, hospital or anesthesiologist is on call, you know exactly what you will owe.

For in in-person primary care/specialist appointments our suggestion is you say you are a self pay patient and pay the cash rate.  You may always call the concierge number prior to an appointment to inquire about provider visits.

Imaging
Skip the emergency room for x rays and scans, if your condition is not a life threatening medical need the 24/7 practitioners can order you the imaging you need. The self pay rate will apply to your IUA. Example: if you get an MRI and pay $300 out of pocket,  and the medical need requires surgery, you will now pay $700 for the surgery.   You applied $300 to count towards this medical need.

Labwork
Routine lab work included with your annual wellness $0. For labs throughout the year it will be a discounted self pay rate.

Our Concierge Team researches the highest quality, fairest priced providers, diagnostics centers, labs, and medical facilities for members who are in need of these services.

For high-cost surgical procedures. We work with the Care Connect Team to search for the highest quality and fairest price for each component of a member’s surgical procedure. The total cost is then negotiated to the lowest possible price.

Our concierge Team searches a variety of U.S. and worldwide pharmacy discount platforms and pharmacy assistance programs to find the fairest priced medications, as well as where to purchase them. Use our sources for high-cost prescriptions and maintenance medications.

A tax-advantage medical savings account that can be used to pay for medical expenses with before-tax dollars is available to taxpayers in the United States who are enrolled in Secure.

  • You own the account, therefore, HSA funds stay with you when you change jobs or retire.
  • After age 65, HSA funds can be rolled into a retirement account or kept in the HSA for medical expenses
  • Money you do not use in your HSA rolls over from year to year and earns interest tax-free.
  • Options for self-directed investments can potentially grow your savings for healthcare or retirement.

Two-year lookback for pre-existing conditions

Time constraint for pre-existing conditions after membership effective date | Sharing eligibility
First 12 months | Not shareable
Months 13-24 | Shareable to $25,000
Months 25-36 | Shareable to $50,000
Month 37 and after | Shareable to $125,000

Essential+HSA Group Pricing

Select the IUA $1,000 or $2,500 (cap on high-cost medical expenses)

Similar Options

BYOB

starting at

Complete Plan

starting at

indipop Essential - HSA Plan FAQ

  • What's an IUA?
  • Are indipop plans insurance?
  • Is there a network?
  • Dental + Vision and Prescription

While insurance has max out of pockets and deductibles, indipop plans have IUA’s, Initial Unshareable Amount. The IUA follows the medical need rather than the calendar year.  So, if you break your leg in December, you don’t pay for it again in January, unlike a deductible which would start at $0 in January.  

indipop provides an alternative to health insurance, it is another approach to managing your healthcare needs. Your monthly rate is not based on earnings or employment status making these plans more flexible and affordable to fit diverse employment statuses.   They also use app based coordination, medical advocacy, and pre-membership condition limitations to keep costs low for all members.

Why choose indipop

All of our memberships feature:

This plan does not restrict you to any networks. Receive identical benefits in all 50 states with the doctor of your choice. As we like to say here at indipop, you have the freedom to choose who cares for you!

Unlike traditional HMO or PPO plans, we utilize our care coordination team to help you manage your care effectively. The more you involve our team, the closer you'll be to zero medical bills. Need help finding a doctor? Our concierge service can connect you with a provider near you.

Add these supplements to any plan

indipop RX

Free generics and home delivery

starting at

indipop dental and vision

Vision, dental and prescription discounts

starting at

After you cross healthcare off your list, check out our partners, they can help with offers for credit card processing to cybersecurity.

indipop Complete Group

Navigating the healthcare system doesn’t have to be a headache. All indipop plans include a level of service that most of our members have never known possible before indipop.

Same day membership, start your plan any day of the month!

BYOB, Build Your Own Benefits, you pay for what you need and custom create the plan that fits your needs. 

1. Choose the major medical IUA and enroll. 
2. After you enroll you can add in the benefits you choose.

This option is not available in Washington

Rates guaranteed though December 31st, 2024

Why people love this plan:

Plan Benefits
that can be added in

Annual Adult Physical & Well Child
$0 for you annual wellness or well child visit
Age appropriate screenings.
40 years old for a mammogram $50 copay
45 years old for a colonoscopy  $50 copay

This plan includes unlimited primary care visits for adults and children at $0.
Coordinate with Redirect using the app or phone, prior to the appointment.  

Specialist visit
$50 copay  

Nurse practitioners, medical doctors and naturopaths can be reached 24/7 at $0.

These practitioners can order lab work, digital imaging and prescribe medication.

Mental Health & Tele-Counseling $0

Resilience PRO Mental Wellness Consultants • Life Coaches • Mental Health Crisis Counselors 24/7

Do you have a therapist you’d like to continue working with? We can help!

*No Coverage without Appointment Preparation/Pre-authorization

Subject to IUA.

Individual max out of pocket  is $4,000

Family max out of pocket  $6,000

Pregnancy existing prior to membership is not shareable.

Hospital Care – Inpatient & Outpatient Individual
Individual Plan: $2,000 Initial Member Responsibility 20% co-share | $4,000 out-of-pocket max
Family plan:  $4,000 Initial Member Responsibility 20% co-share | $6,000 out-of-pocket max

Example: A broken leg for an individual, $2,000 plus 20% co-share up to $4,000 is the patient responsibility amount, this is the out of pocket cost for the surgery, aftercare provider visits, and physical therapy if needed.

Urgent Care
When you coordinate with the health plan prior to the provider visit it is $0.

Emergency Room
$500 Initial Member Responsibility + 20% co-share.

This plan leverages the PHCS network of providers, Redirect health will work with your current provider if they are not currently in this network.
This plan is not a PPO or HMO, there is an open network and set rates for medical needs with transparent pricing. This ensures you don’t have to worry about networks and what surgeon, hospital or anesthesiologist is on call, you know exactly what you will owe.

Imaging
Skip the emergency room for x-rays and scans, if your condition is not a life threatening medical need the 24/7 practitioners can order you the imaging you need many times it is $0!
MRI’s:  $50 Copay
CT Scans: $50 copay
Ultrasound and other imaging: $50 copay

*No Coverage without Appointment Preparation/Pre-authorization

Labwork
Routine labs are included at $0
This plan is contracted with Labcorp they have locations in all 50 states.

Redirect will help find the lowest cost and where it is available.  Not sure about your medication cost, reach out to indipop for help.  They work directly with the medical advocates to help you save on your medication costs.

RedirectHealth.com/rxformulary
100% member responsibility and prices may vary depending on pharmacy location, quantity, and dosage.
Work with a medical advocate to see if you qualify for $0 cost medication.

$0 for 12 Chiropractic visits/year for each person in the family.

How pre-existing conditions are shared:

A condition is considered pre-existing for you or a dependent if symptoms or treatment have occurred within the 12 months prior to joining the Medical Cost Share. See the Membership Guidelines for detailed description of what will be considered a pre-existing condition. Controlled diabetes, hypertension, high cholesterol, seasonal allergies, and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.

Pre-existing conditions become eligible for sharing based on members’ tenure with the plan, as indicated by the following graduated sharing schedule:

Time After Membership Effective Date | Shareable

First 12 months | Not shareable
Months 13-24 | Shareable to $25,000
Months 25-36 | Shareable to $50,000
Month 37 and after | Shareable to $125,000

Conditions beginning after a Member’s effective date will be shared after the $1,000 per condition initial member responsibility and/or the annual $3,000 family maximum out-of-pockets have been met. See the Membership Guidelines for sharing rules.

Additional Sharing Restrictions
See Member Guidelines for detailed shareable restrictions. Households with one or more tobacco users will incur an additional $75/mo added to the membership price.

Complete Group Plan Pricing

Our Most Popular Group Plan

Similar Options

BYOB 2 or More

starting at

Complete Plan GROUP over 50

starting at

indipop Complete Group Plan FAQ

  • What's an IUA?
  • Are indipop plans insurance?
  • Is there a network?
  • Dental + Vision and Prescription

While insurance has max out of pockets and deductibles, indipop plans have IUA’s, Initial Unshareable Amount. The IUA follows the medical need rather than the calendar year.  So, if you break your leg in December, you don’t pay for it again in January, unlike a deductible which would start at $0 in January.  

indipop provides an alternative to health insurance, it is another approach to managing your healthcare needs. Your monthly rate is not based on earnings or employment status making these plans more flexible and affordable to fit diverse employment statuses.   They also use app based coordination, medical advocacy, and pre-membership condition limitations to keep costs low for all members.

Why choose indipop

All of our memberships feature:

This plan does not restrict you to any networks. Receive identical benefits in all 50 states with the doctor of your choice. As we like to say here at indipop, you have the freedom to choose who cares for you!

Unlike traditional HMO or PPO plans, we utilize our care coordination team to help you manage your care effectively. The more you involve our team, the closer you'll be to zero medical bills. Need help finding a doctor? Our concierge service can connect you with a provider near you.

Add these supplements to any plan

indipop RX

Free generics and home delivery

starting at

indipop dental and vision

Vision, dental and prescription discounts

starting at

After you cross healthcare off your list, check out our partners, they can help with offers for credit card processing to cybersecurity.

indipop BYOB

Powered by Zion Healthshare

Navigating the healthcare system doesn’t have to be a headache. All indipop plans include a level of service that most of our members have never known possible before indipop.

Same day membership, start your plan any day of the month!

BYOB, Build Your Own Benefits, you pay for what you need and custom create the plan that fits your needs. 

1. Choose the major medical IUA and enroll. 
2. After you enroll you can add in the benefits you choose.

January 1st, 2025 you must have 2 or more people to be eligible for this membership. 

This option is not available in Washington

Rates guaranteed though December 31st, 2024

Why people love this plan:

Plan Benefits
that can be added in

  • Annual Wellness Visit
  • Childhood Immunizations
  • Mammograms – 6 month wait period (age 40) 
  • Colonoscopies- 6 month wait period (age 45)

Through a convenient web and mobile experience, you are free to text directly with our providers to get the answers you need, including access to additional support. This solution will be accessible via secure text (with image share, phone, and video available) 24/7 365 days a year.

Zion HealthShare has partnered with Primestin and now offer Talkspace for mental health.

Virtual mental health services to get convenient help that you need with Talkspace

  • 3 months of access to a licensed therapist
  • 2 virtual visits per month and regular text
  • audio and video messaging to your therapist for an additional $50 each month
  • After 3 months, you can do this at a rate of $200 per month.
Note:  Psychiatrists are specialists and therefore subject to the $50 copay

This plan offers a $1000, $2500 or $5000 IUA, this is the amount you would be responsible for if you need a surgery or hospitalization. This is up to 3x in a calendar year.

Example: If you choose the $1,000 IUA and you break your leg and need surgery, medical expenses total $10,000.  Your cost for this medical need is capped at $1,000. including follow up care, provider visits and physical therapy, if needed

TIP: If you select the $5,000 IUA, you may be saving monthly, but if your family has 3 major medical years in a year that totals $15,000 out of pocket.

 Zion HealthShare is not health insurance, there is no network limitations. Members can go to any healthcare provider within the US and Puerto Rico. The healthcare provider must be a licensed medical professional in the location where services are received and provide medically necessary evaluations and treatment to be considered eligible for sharing. 

Contact Medical Advocacy for assistance in finding a low-cost provider. 

Access to discounted prescriptions from any pharmacy through Zion RxShare powered by Rx Valet.
1. Simply type in the medication name on your prescription. 
2. Enter the dose (strength, mg, etc.) and quantity prescribed. 
3. Choose your savings option and save up to 80% on your medications. 

To keep membership contributions low for all members, they implement a waiting period for sharing of medical conditions that existed prior to a member’s membership start date. They call such medical conditions: pre-membership medical conditions. 

A pre-membership medical condition is any illness or injury for which a person has been examined, been diagnosed, taken medication, had symptoms, or received medical treatment within the 24 months prior to their membership start date. Sharing requests related to pre-membership medical conditions are only shareable if the condition was regarded as cured and did not require treatment or present symptoms for 24 months prior to the membership start date.

Shareable amounts for pre-membership medical conditions:

  •   Year One: $0 (waiting period)
  •   Year Two: $25,000 maximum per sharing request
  •   Year Three: $50,000 maximum per sharing request
  •   Year Four: $125,000 maximum per sharing request

After four years of membership, expenses related to pre-membership medical conditions will be shareable up to a maximum of $125,000 in a 12-month period. The shareable maximum resets each membership year.

Please Note: pre-membership medical conditions may still qualify for sharing through the Additional Giving fund.

Exceptions for High Blood Pressure, High Cholesterol, & Diabetes
High blood pressure, high cholesterol, and diabetes (types 1 and 2) are not considered pre-membership medical conditions as long as
1) the member has not been hospitalized for the condition in the 12 months prior to joining, and
2) the member is able to control the condition through medication or diet.

Read guidelines here

BYOB Plan Pricing

Select the IUA $1,000 or $2,500 (cap on high-cost medical expenses)

Similar Options

Basic Plan

starting at

Complete Plan

starting at

indipop BYOB Plan FAQ

  • What's an IUA?
  • Are indipop plans insurance?
  • Is there a network?
  • Dental + Vision and Prescription

While insurance has max out of pockets and deductibles, indipop plans have IUA’s, Initial Unshareable Amount. The IUA follows the medical need rather than the calendar year.  So, if you break your leg in December, you don’t pay for it again in January, unlike a deductible which would start at $0 in January.  

indipop provides an alternative to health insurance, it is another approach to managing your healthcare needs. Your monthly rate is not based on earnings or employment status making these plans more flexible and affordable to fit diverse employment statuses.   They also use app based coordination, medical advocacy, and pre-membership condition limitations to keep costs low for all members.

Why choose indipop

All of our memberships feature:

This plan does not restrict you to any networks. Receive identical benefits in all 50 states with the doctor of your choice. As we like to say here at indipop, you have the freedom to choose who cares for you!

Unlike traditional HMO or PPO plans, we utilize our care coordination team to help you manage your care effectively. The more you involve our team, the closer you'll be to zero medical bills. Need help finding a doctor? Our concierge service can connect you with a provider near you.

Add these supplements to any plan

indipop RX

Free generics and home delivery

starting at

indipop dental and vision

Vision, dental and prescription discounts

starting at

After you cross healthcare off your list, check out our partners, they can help with offers for credit card processing to cybersecurity.

See Why People Love indipop