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Impact Health Sharing Senior Program
Impact Health Sharing isn’t insurance, but it works much like traditional health coverage. Members contribute a set monthly share, and those funds are used to help pay each other’s eligible medical bills. This community-based approach gives you the same peace of mind as insurance—without the high premiums, network restrictions, or enrollment deadlines. You can visit any doctor or hospital nationwide, and Impact takes care of the bill-sharing directly with your provider. Members also enjoy prescription discounts, free telehealth, mental health support, and preventive care. Plus, the Health and Wholeness Credit can reduce your annual Personal Responsibility Amount (PRA) by up to $150 per month, helping offset your out-of-pocket costs for things like gym memberships, direct primary care, acupuncture, or naturopathic treatments. Many people love Impact because it combines affordability, flexibility, and community support in one modern approach to healthcare.
Impact for Seniors is designed for adults aged 65 and older who want affordable support alongside their Medicare coverage. Members are responsible for the first $1,000 in eligible expenses per year, and Impact shares the rest according to the program guidelines. There are no provider fees, and members can see any doctor who accepts Medicare. The program includes preventive care, hospital services, mental health support, and telemedicine at no cost, making it a simple, supportive solution for senior healthcare needs.
Learn more about Impact Health Sharing here: https://www.utahavenue.com/single-post/making-an-impact-how-a-health-share-saved-my-family-thousands
Carrier
Impact Health Sharing
2026
Plan Year
Individual and Family Deductible
An individual deductible and family deductible are key components of a private health insurance plan. The individual deductible represents the amount a single policyholder must pay out of pocket for covered medical expenses before their insurance begins to cover costs. In contrast, a family deductible encompasses the cumulative medical expenses incurred by all covered family members before the insurance kicks in for the rest of the members within the family. Once these deductibles are met, the insurance plan typically covers a percentage of the remaining medical expenses. Maximum out-of-pocket limits are the cap on the total amount a policyholder or family is required to pay in a given year for covered medical services, including deductibles and co-payments. Once this annual limit is reached, the insurance company usually covers all additional eligible expenses, providing financial protection against catastrophic healthcare costs. These components help individuals and families manage healthcare expenses while ensuring they have a safety net against excessive medical bills.
Deductible
$1,000
$1,000
Individual
Family
Maximum Out of Pocket
$1,000
Individual
$1,000
Family
Coinsurance After Deductible
10% after deductible
Doctor Visits
Doctor visit costs refer to the expenses you are responsible for paying directly to your healthcare provider during each visit to a doctor's office. In many private health insurance plans, individuals are required to cover the entire cost of their doctor visits until they meet their deductible, which is the predetermined amount they must pay out of pocket before their insurance starts sharing the expenses. However, even when you're responsible for the full price, if you choose an in-network healthcare provider, you often benefit from a negotiated rate that is typically lower than what you'd pay if you were uninsured or used an out-of-network provider. This negotiated rate extends to any diagnostic tests or procedures performed during the visit, helping to make healthcare more affordable while encouraging individuals to seek care from within their plan's network.
Doctor Office Visit
$50 provider fee plus sharing
Mental Health Visits
10% after deductible
Preventative Care
Applies to Deductible/Coinsurance
Labor & Delivery
Not Covered
Emergency and Urgently Needed Services
Emergency and urgently needed services in the context of health insurance refer to medical care that is required immediately due to a life-threatening situation or when delaying care could result in serious harm. Emergency services encompass situations like severe injuries, heart attacks, or sudden illnesses that demand immediate attention. Urgently needed services involve medical conditions that require prompt care to avoid complications, even though they might not be immediately life-threatening. Health insurance plans typically cover these services, even if the provider is out of network, ensuring that individuals receive essential care regardless of the circumstances.
Urgent Care Visit
$75 provider fee plus sharing
Emergency Room Visit
$150 provider fee plus sharing
Ground Ambulance
10% after deductible
Coverage Period Maximum
The coverage period maximum is a critical concept in health insurance, representing the utmost limit that a health insurance company will pay for an individual's covered medical services within a specific plan term. This maximum is established to protect both the policyholder and the insurer. Once this limit is reached, the policyholder becomes responsible for all additional medical expenses, unless they renew or enroll in a new insurance plan. Understanding the coverage period maximum is essential for individuals to plan their healthcare expenses effectively, as exceeding this limit can result in substantial out-of-pocket costs. It underscores the importance of selecting a health insurance plan that aligns with one's healthcare needs and financial capacity to ensure comprehensive coverage and peace of mind.
Coverage Maximum
"$500,000"
Prescription Coverage
Prescription benefits are a crucial aspect of healthcare coverage, as they determine the extent to which health insurance plans will help pay for necessary medications. Many private health insurance plans do not include prescription drug coverage in their standard offerings as a way to keep premiums more affordable. However, policyholders can choose to enhance their coverage by paying a higher premium to include prescription benefits, ensuring access to vital medications while managing healthcare costs. This option allows individuals to customize their health insurance plans to their specific needs and financial situation, making it particularly valuable for those who rely on regular medications to maintain their health.
Preferred Generic Rx
Discount Plan
Extra Benefits for Children
Many health insurance plans offer extra benefits for kids under 18 to ensure their well-being. These benefits often include coverage for pediatric services such as well-child visits, immunizations, vision and dental care, and preventive screenings. Additionally, some plans might provide access to specialized pediatric care and therapies, ensuring that children receive comprehensive healthcare tailored to their developmental needs. It's important to review your insurance policy to understand the specific extra benefits available for kids and their coverage details.
Children's Immunizations
No Immunization Benefits
Full Summary of Benefits and Helpful Links
Official documents, such as your insurance policy or Summary of Benefits and Coverage (SBC), outline the details of your coverage, including deductibles, copayments, and covered services. Provider links, often available through your insurance company's website, offer directories of in-network healthcare professionals and facilities, helping you find the right doctors and hospitals that are covered by your plan. Utilizing these resources can empower you to make informed healthcare decisions and effectively navigate your insurance coverage.
Helpful Links
Schedule a consultation with a local health insurance agent
We're here to assist you with your health insurance needs, whether you'd prefer to meet in person, virtually, or over the phone. Our team can guide you through health insurance options both on and off the Marketplace, as well as Medicare Advantage and supplements, dental, vision, life, and accident plans. Thank you for trusting us as your advocate. Best of all, our services are always at no cost to you!
Please note that the costs and copays mentioned are subject to change based on the terms set by your health insurance provider. Utah Avenue Insurance strives to provide accurate information, but we cannot guarantee the exact costs or benefits outlined in your specific plan. It is important to review your policy details directly with your insurance company. Utah Avenue Insurance is not liable for any discrepancies or changes in coverage, copays, or other plan details.