How does the claim/sharing process work?
Members do not file claims because Impact Health Sharing is not an insurance company.
If you have had health insurance in the past, some aspects of Impact Health Sharing may seem familiar. When visiting the doctor, members present their Member ID Cards to their service providers. The service provider then discounts the bill accordingly. The bill is then sent to Impact where we negotiate for further discounts.
Once a bill is received, we review the services provided to determine if the bill is Eligible for Sharing. After the Personal Responsibility Amount (PRA) has been met and if the bill is eligible, it is submitted for sharing among the other members.
Always review your Explanation of Sharing (EOS) and compare that to the bill from your provider for your portion. If the amounts match, then you will be responsible to pay that portion. If the amounts do not match, please call Impact so that we can help.
You may view all of your EOS documents within your Member Center.