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Frequently asked questions



Here are some answers to IBO's frequently asked questions.  To get answers to the rest of your questions, visit our Help Center or read our Membership Guidelines.

How do I become accredited to offer Impact to others? To begin the accreditation process, follow the "Accreditation Here" link at There you will register your information and IBO number in order to receive a personalized link to the Accreditation Quiz. Use the Impact Guidelines and Help Center to pass the quiz and you'll be all set! 
What should I do when I need to go to the doctor?

Watch this video for information on using Impact at any provider, and read through these simple steps.

When you need to go to the doctor, using your Impact Health Sharing membership is easy.

Step 1. Choose your medical provider. No network limitations. Just see your preferred provider.

Step 2. Show your member ID card. If you have used health insurance in the past, using Impact Health Sharing won't feel a whole lot different.

Present your Impact member ID card to the staff and ask the provider to bill Impact using the information on the back of your card.  All of the information that their billing specialist will need is on the card.

Our phone number is also included on the card if they have any questions. If they ask what network Impact participates in, let them know that you are free to see any provider you choose.  

Keep in mind, there are hundreds of healthcare options these days. If your provider hasn’t seen a patient with Impact before you, they may have to add Impact to their Payer ID system. It is best to ask the provider to call if they run into any problems.

Step 3. Pay your provider fee.

For non-emergency care, consider using a Telehealth provider.

Pay the provider fee as follows:

  • $0 for Telehealth
  • $50 for primary care
  • $75 for specialist or outpatient services
  • $75 for urgent care
  • $150 Emergency Room or inpatient hospitalization
  • $0 for Impact Seniors

At each visit only pay your provider fee. You should never be asked to pay for services out of pocket or upfront. If so, please ask the provider to call Impact at 855-378-6777.

Step 4. Receive the care you need when and where you need it.

Step 5. Pre-notification is required. Sometimes it takes more than one visit to get you back on your feet. Be sure to direct providers to pre-notify Impact for any of the following treatments to be eligible for sharing: 

  • Cancer treatments
  • Elective cardiac procedures
  • Inpatient hospitalizations
  • Non-Emergency surgery
  • Organ/Tissue transplant services 
  • Maternity

Providers must pre-notify by calling 855-378-6777. In the event of emergency/urgent care, the member or provider is required to provide notification within 72 hours after treatment.

Pre-notification of medical bills does not guarantee eligibility or sharing.


Impact does not use a Provider Network; therefore; you can continue to use the doctors and hospitals of your choice, including specialists.

Watch this video for more information on how to use Impact Health Sharing at any provider.

Do you accept people with pre-existing conditions?

Preexisting Medical Conditions are conditions in which treatment, symptoms, or diagnosis occurred within 36 months prior to membership.

A Preexisting Medical Condition is eligible for sharing after the condition has gone 36 consecutive months without symptoms or treatment prior to membership.

Treatment includes:

  • Care or services
  • Diagnostic measures
  • Prescribed drugs or medications

High blood pressure or high cholesterol that is controlled through medication, will not be considered a Preexisting Medical Condition for purposes of determining eligibility for future vascular or cardiac events.

The Preexisting Medical Condition limitations do not apply to members 65 years and older.

Is there a deductible?

Since Impact Health Sharing isn't insurance, there isn't a per person deductible; rather there is a Primary Responsibility Amount (PRA) per household.

The PRA is the annual household amount that you pay, before your eligible medical bills are published for sharing.

There are five options to choose from: $1,000 (65 years and older only), $2,500, $5,000, $7,500, and $10,000.

What is a Primary Responsibility Amount (PRA)?

Primary Responsibility Amount (PRA) is the annual amount a Member Household is responsible for before medical bills can be approved for sharing.


Members do not have deductibles. Instead, our members have a Primary Responsibility Amount (PRA).

The PRA options are as follows:

  • $1,000 (65 years and older only)
  • $2,500
  • $5,000
  • $7,500
  • $10,000

The PRA is the annual amount a Member Household is responsible for before medical bills can be approved for sharing. The PRA applies only to Eligible Medical Bills. After the PRA has been met, and the co-share is applied, all Eligible Medical Bills will be submitted for sharing for the entire household. 

Is there a co-share?

Once the Primary Responsibility Amount is met, the member pays 10% (the Co-Share amount) of all eligible medical bills.

The remaining 90% is published for sharing to the Impact membership.

There is a Co-Share limit of $5,000 per year, per household. In other words, after a member pays a total of $5,000 in Co-Shares, they will not be subject to a Co-Share until the amount resets on their Membership Date.

Watch this video for more information.

What about preventative care?

One annual/well visit per membership year.

Includes $150 allowance for routine labs.

Impact follows the American Cancer Society recommendations when it comes to sharing in preventative care, which includes the following:

  • Women:
    Pap test – once every three years from 21-65 yrs.
    Mammogram – Age 45-54 yearly, every two years starting at age 55.
  • Men:
    PSA test – one every year, starting at age 45.
  • All: Colonoscopy – one every 10 years starting at age 50, or one every five years for members at high risk.
Is there an office provider fee?

A provider fee is the amount paid by the member to the medical provider for each visit.

The provider fee is not eligible to be applied to the PRA and is paid even after the PRA is met.

The provider fee is:

  • $0 for Telehealth
  • $50 for each primary care visit
  • $75 per specialist visit or outpatient services
  • $100 for urgent care
  • $150 for Emergency Room or inpatient hospitalization.
  • $0 for Impact Seniors
If I am 65 years old or older, how does Impact work with Medicare?

Impact for Seniors simplifies the healthcare experience.

  • No Provider fees.
  • No Co-share.
  • No Pre-existing limitations.

 Here are a few things to know:

1.If you are 65 or older, you are required to have Medicare Parts A & B to join Impact.

2. Impact is always secondary to Medicare Parts A & B. One great thing about this is that there are no preexisting condition restrictions or provider fees for Impact members with Medicare. 

3. You are welcome to use your member card to access the pass-through direct pricing on prescriptions. One thing to note, for prescription costs to be eligible for sharing, members must have Medicare Part D as well.

4. All sharing will be secondary to Medicare. There is only one PRA level available to these senior adults (see pricing calculator at This program is available only on an individual membership basis.

5. The PRA for senior adults is $1000 with no provider fees, no co-share, and no preexisting limitations.

How can I View or download the At-a-Glance file?

Click here:

Where is the Decision Guide?

Click here:

Are there other flyers I can use?

Yes, you can find more marketing materials on the Impact page of the ACN compass at:

See how one of Impact's top-performing Partners shares Impact with others.