OneShare Health
reviews

When I signed up with OneShare, they said that this Insurance was effective immediately. I received Bills from OneShare after I visited my primary physician, and they didn't cover any of my visits..When I called them, they stated that the coverage wouldn't begin until after 90 days. But, initially, when I purchased this plan, the Representative stated that my Insurance would begin immediately. I Believe that they are misleading people and taking their money, I cancelled after A few months. If you need Insurance, don't deal with this company, call A reputable company who can offer you good coverage.

DO NOT USE THIS COMPANY! I signed up December 15 .. and they are DENYING my entire pregnancy saying I conceived December 14. I kid you not! They won't cover any ultra sounds, blood work, or office visits from my doctor. YOU CAN'T GET THEM ON THE PHONE EITHER. Do yourself a favor and pick out a Marketplace plan. SAVE YOUR MONEY! The only thing they WILL DO is try their hardest to not help you! I'm also concerned as to why a Health insurance specialist would even recommend a program like this seeing as this is the result from all the reviews I'm reading... Willing to file for lawsuits if I have to!

Beware of this company they are a scam! I have had them for a number of years thinking I had some kind of coverage for Major things just to find out after a bad fall on the beach of the lake being unconscious and having EMT's respond reviving me and transporting me to the Hospital ER for care resulting in many of thousand of dollars of medical expense to get nothing but the runaround from this Company after filling out there sharing forms and mailing and faxing them to them to no avail I pray that our Government shuts them down before they fleece more sheep in the name of God. they get no stars they should go to the Devil

I, like other customers of members of One Share have been completely mislead and scammed by this organization and the insurance brokers that represent them. I am now stuck with a $1000 bill because of the 90 day no benefits clause that was stuck in fine print in the contract. This was never stated in the welcome call and the broker actually sold us this saying that the coverage was immediate. Once we dropped the plan, she stopped fighting for our rights. We also spoke with the concierge to make sure that coverage would apply and it was never mentioned to us during this opportunity either. DO NOT USE THIS FRAUDULENT BUSINESS! TERRIBLE.

My wife and I paid about $620/mo for 'coverage' for just over a year. We are a healthy family and go to the doctor MAYBE 4 times a year for checkups, etc. When my daughter was born in October (100% normal birth, no complications), we were shocked to receive a total of $15,000 in medical bills AFTER OneShare Health's "negotiation and payments". Apparently they will only pay up to $5K per year, per family member for any medical expenses. Completely unacceptable. It would have been cheaper for us to be self pay. We would have saved $620/mo AND owed less in hospital bills. OneShare Health is a scam masquerading around as a "Christian company".

This One Share Health is a SCAM! They hide behind their Christian Faith. They are wonderful when you are signing up with them telling you everything that is covered. I am a healthy person in my 60s have yearly well check ups, 5 year colonoscopy's, Yearly Gynecology exams, Mammograms to find out they paid NOTHING. When you call, if your lucky enough to speak to someone- that someone sounds like she just answered the phone in her home and tells you that they are waiting for more information. They just keep on stalling until you get a letter saying that Sorry this is not covered. Or this has gone beyond the timely manner!People go with a reputable Insurance Company! Pay a little more in premiums so your not left with a stack of bills like I have. This company needs to be closed down!

It's hard to get a representative that can answer a question. Some reps are so impolite its hard to have a conversation and some have a strategy that if they can't answer a question they just stop talking so you're forced to hang up and call back in. Since they can't hang up themselves they just go radio silent. One of my recent bad experiences is One Share is requesting medical records from my previous insurer who not only does not have them (they're an insurance company) but also wasn't even covering me for the claim under review. So I'm waiting on a previous insurance company to tell One share this just to move my claim forward. Problem is its been 7 months and the issue is about to be sent to a collection agency all because One Share has themselves stuck. I would not recommend this business and I hope One Share does something with my claim before it goes to colletion.

I wanted to believe this coop plan was a solid option for our family being that we moved from a corporate paid insurance plan to self-employed. We were sold on the plan because the agent boasted about how ALL preventative care was covered. We have two children and this was a big deal for us. We decided to take the leap and joined! Our premium was $763 per month for the whole family - so we paid $9,156 for 2020. They barely covered ANY of my 1-year-olds preventative care visits and we were left with a $1400 bill by the end of the year. I would love to say that this "faith-based" health plan was reputable but they are just as unreliable and corrupt as the rest of the insurance industry. Do yourself a favor and go with a real insurance carrier. The cost is higher but at least they cover what they promise. Thank goodness we didn't have to visit the emergency room or had any other serious healthcare needs. The costs would have been astronomical! Stay away unless you want to pay into something with little to no benefits.

Please heed my warning: Avoid OneShare at all costs. It's a scam. I'd give it no stars but I have to leave 1 to post this review. No doctor or hospital will bill them directly because they are NOT insurance. And the only way they'll "share" your expenses is if you prove you paid the balance in full. For me, thankfully, it was only a $70 flu shot that I'm out of pocket for. I'm sure many other have MUCH larger balances. Flu shot was administered in Oct. It's April. Still nothing back from them. And I call them every week. Apparently working from home in their bunny slippers has them really backed up on "share requests". Funny but if my "premium" was more than 30 days past due they'd drop me. But they'll get to MY request for funds sometime in the future, if they feel like it. I'm telling you DON'T DO IT, DON'T FALL FOR IT and AVOID THEM! If it's all you can afford, you're better off staying uninsured. The fact that they hide behind religion and the bible only makes it worse, and the folks at OneShare should be ashamed.

Our experience with OneShare was similar to other reviews on here. They make excuses to not cover anything (in our case pregnancy), such as saying it's a pre-existing condition. After calling them, they could not explain why and said they would review it. After several months, when they kept using the same excuse, we finally filed a dispute. After HOURS of phone calls, useless waiting and being led in circles, I was told they would uphold their decision. Yet the very same day, I got another call, and was told they would reverse their decision. They did hold good on that and paid the $5000 they were supposed to. Even so, I will give them the lowest rating possible because they are extremely difficult to work with and will do everything they possibly can to NOT help you. I believe they only paid us because I raised such a big stink and they are afraid they will get in a lawsuit and not be able to sell their pseudo-insurance in Virginia. They expressly state there is no guarantee you will receive any money, so take their own words and stay far away from this company. They profess to be Christians, but absolutely deny it with their deeds.

STAY AWAY AT ALL COSTS! DO NOT SIGN UP! The broker who signed me up lied 3x to get me to enroll. He told me that this company was in fact health insurance, with no waiting period, and covered all three of my doctors. I later found out that all three things were untrue. This is NOT a health insurance company. There IS A 90 DAY WAITING PERIOD before coverage begins. And NONE of my doctors were covered (One Share blamed that mistake on the doctors systems not being updated). Next a representative within One Share lied to me about my coverage. She told me that I would be absolutely covered if I went to one of their doctors. So I went to their doctors, and they still did not cover the fee. In fact, they have not covered one fee in 6 months. When I fired One Share, I called a new broker to get new insurance. The new broker told me that he used work with One Share, but will no longer will work with them because they were so terrible to their customers and to the doctors. This is supposed to be a ministry-driven organization. Instead of God, I experienced fraud. Not sure why Tim Tebow is associated with this organization. p.s. Jamal was the one shining light in One Share. He gave good customer service as he cancelled my account.

One Share Health refuses to pay for my medical bills! I registered with One Share Oct 2019, at 484 dollars a month. Two months later I wasn't feeling well and I saw my doctor who ordered a complete blood work. The cost was $2800. One Share did not pay one dime. The Lab contacted me and informed me that if your insurance refuses to pay, the lab would consider me as non insured and give me a big discount. Of the $2800 they sent me a bill for $426. I was happy with their generosity! From Oct 2019, I had paid One Share about $4000 for my coverage and they had paid almost nothing for my doctor visits! Summer of 2020 I downgraded my coverage to ER and hospitalization for $205 a month. In early Sep I was feeling ill with virus symptoms and had my husband take me to the ER. Once there the doctor checked my temp, took my BP, listened to my heart, nothing more. He said I was fine, maybe a little stress. Four months ago One Share contacted me to inform me that I owed the hospital $ 776. A month later another statement that I owe $354. Last week yet another statement that I owe $300! When will this end? They refuse to pay anything! My coverage Id card states that I am responsible for $300 dollars for ER visit. If I owe more than that then they lied and or misled me. I want One Share to pay up for the ER visit. All owe the hospital is the $300 I'm responsible for! I feel that this business is out to make money! Their customer service is awful. They keep you waiting and then connect you to someone else who connects you to someone else. Bad service!

If I could leave less than one star I would. CONSUMERS, BE WARNED! After signing up with One Share Health in March, and subscribing to their top tier plan, they have proven to be a HUGE WASTE OF MONEY! I was told that with my plan, I could visit the ER and only have a maximum $300.00 co pay as long as I was out of the hospital within 24 hours, as I was on my visit last Thanksgiving day. I repeatedly submitted my billing. A few months later I was told that there was a challenge over a pre existing condition. The could not tell me who filed this, but after reading other customer complaints, this is their S.O.P. My doctors confirmed that there was no pre existing condition. In the meantime I was constantly asked to submit my billing, which had already been done. I was eventually told months later that things are being taken care of, which was just a huge lie and a tactic to keep collecting my monthly billing. I had to have a medical procedure in January and they have TOTALLY IGNORED those bills. Now that I have cancelled I am being totally ignored. They did contact me right after my cancellation by email and asked how they could help. I told them that they could pay my bills that they are on the hook for, after that. I have been totally ignored. The past few years I have worked hard on my credit to only have it ruined by One Share Heath. They are professionals at stalling things in order to keep collecting your money, to then screw you over in the end. In short, I can only say to PROTECT YOURSELVES AND DO NOT MAKE THE SAME MISTAKE I MADE WITH THIS COMPANY!

We had OneShare Health for only a few months - and it was still too long - I got screwed. During that time, only one of my doctors would even take it and in order to take it, the doctor's billing office needed to have a special call with the concierge at OneShare Health so they could explain how they work because on my medical card, it says "This is NOT insurance" which of course scares the heck out of any doctor. Most of my doctors are located within a highly reputable medical group in a well-known city, and this entire medical group would not take OneShare Health stating that they don't take any sharing ministries because, from a history of dealing with them, they too long to pay and don't reliably pay. My medical group told me I had to pay up front and file a claim. I was worried about that, not having any history with OneShare Health. But when my son was sick and I had to take him to his normal pediatrician for a test and check up, they would not take OneShare Health claiming that these types of 'ministry insurance sharing plans' take forever to pay. So I had to pay up front and thought, no problem, I'll just file a claim. I paid $165 up front for the doctor's visit and test to see if my son had strep throat. I immediately filed a claim with OneShare Health. But OneShare Health screwed up and repaid the doctor instead of me directly. Instead of rectifying the situation by cutting me a check, they had to wait to get repaid by the doctor before repaying me. It took over 4 months to get a check which came today but only for HALF the amount they owe me. I will steer anyone and everyone AWAY from OneShare Health - it's just not working readily, easily, or through the normal system. Stay away!