Why Impact?

It’s Affordable

Members are saving thousands when they switch to Impact. Programs start as low as $73 for individuals and $378 for families. Impact Health Sharing plan negotiates the costs of all medical services, resulting in an average savings of 72% off the original caregiver billing. The published limits in Impact Health Sharing guidelines reflect the re-negotiated pricing.

It’s Comprehensive

Members experience a comprehensive medical experience and access to preventative care, mental health care, prescription discounts and urgent telemedicine available 24/7.

It’s Accessible

Members see any doctor of choice nationwide. No network fees, no network limitations. This means more choices and lower costs to you. Since Impact participates with any provider, you can see your doctor and specialists.

It’s Inclusive

Impact is open to anyone who is interested in sharing and saving on their healthcare. Impact puts the power, the freedom and the control in paying for healthcare back into your hands. And, Impact is open for enrollment year-round. Open enrollment restrictions don’t apply to healthcare sharing.

Impact Health Sharing has not contracted with a network of providers, which gives you the freedom of choosing any doctor or hospital provided they meet Impact Health Sharing guideline requirements. Impact is available year-round. There is no “Open Enrollment” period limiting when you can join and no qualifying events needed. We are here when you need us!

Impact Was Designed For You!

Impact Health Sharing delivers a modern and affordable alternative to health insurance that works better and feels better than health insurance. See how much you can save by switching.

Bill Pay

Submit your Impact card to your healthcare provider with Impact’s Payer ID, and the provider bills Impact directly, just like traditional insurance.
Impact is registered with all the US clearinghouses including US territories.

Wellness/Preventative Care

One annual/well visit per membership year. Includes $150 allowance for routine labs. Impact has followed the American Cancer Society’s recommendations for wellness/screening tests. See Guidelines for the exact details.

Prescription Discounts

Impact offers significant prescription discounts through our industry-leading partnerships. Plus, eligible prescription costs can be credited toward your PRA, except for pre-existing chronic conditions.

Virtual Health

Sit in the comfort of your own home while getting the medical care you need. Urgent Telehealth is available at no additional cost to you, including no co-pays or consultation fees.

Comprehensive Medical

Sharing includes medical services for preventative care, maternity, accident, illness, and injuries.

Maternity

Maternity care is eligible for sharing after the expecting mother has been a member for 12 months, based on the due date.

Mental Health

Yes, mental health is eligible for sharing with limits, and virtual therapy options are available. See Guidelines for more details.

About Impact:

Provider Fee

When receiving service from a medical care provider, members pay the following: $0 for Telemedicine, $50 for Primary Care, $75 for Specialist/Urgent Care/Outpatient Services, and $150 for Emergency Room or Inpatient Hospitalization. Impact Seniors pay $0.*

Eligibility

Impact accepts all applicants regardless of race, religion, color, or creed. We believe that it is both true and self-evident that all men are created equal and in the likeness of God. Unlike traditional health insurance, Impact does not decline applicants based on their health.

Pre-Existing Conditions (Pre-X)

Pre-Existing Medical Conditions are treatments, symptoms or diagnosis which occurred within 36 months prior to membership. High blood pressure or high cholesterol controlled through medication will not be considered a Pre-Existing Medical Condition for purposes of determining eligibility for future vascular or cardiac events. Pre-x bills are still submitted, then re-priced, just as a new medical event would be. They average a 72% reduction on charges.

Personal Responsibility Amount (PRA)

There are five options to choose from for your Personal Responsibility Amount (Deductible). This is the amount that you are responsible for prior to any medical bills being shared. $1,000, $2500, $5000, $7500, $10,000. Note: $1,000 is available only to applicants 65 and over.

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Introducing the Health and Wholeness Credit (Beta) Program

We are excited to announce the launch of our newest program, the Health and Wholeness Credit (Beta), designed to support our members in their journey to wellness. This innovative credit offers up to $100 per household per month toward your PRA balance. Here’s what you need to know:

What is the Health and Wholeness Credit?

The Health and Wholeness Credit (Beta) is a monthly credit of up to $100 per household. This credit is applied toward your PRA balance to help offset the costs of health and wellness services.

How to Use the Credit:
You can use the Health and Wholeness Credit toward any of the following categories:

  • Services rendered by Naturopathic Providers
  • Gym Memberships
  • Acupuncture
  • Massage
  • IV Drips
  • Direct Primary Care (DPC) Memberships
  • Naturopathic Medications/Supplements
  • Red Light Therapy
  • Essential Oils

“Last week, I had an accident that broke my foot. As soon as Impact found out, they called me. They were not only concerned for my well-being but also proactive. They asked which providers I would be seeing so they could reach out to them ahead of time. They recognized how patients don’t want to deal with the pain of bills while in pain and took this stress away from me! I’m an Impact member for life!.”
-Bonnie G.