How do I explain my Program services to my Provider?  

Tell your Provider that you are a Member of a Health Care Sharing Ministry which will process your bills for sharing.

Provide them with your new Member ID Card, which contains all the information they will need to contact OneShare Health and send in bills for processing. If payment is required by the Provider that day, ask the Provider for a self-pay or cash-pay rate, which should be much less than the usual billed charges. If you do pay a bill on the date of service, keep all your records, and send the Expense Sharing Request Form directly to OneShare for processing.

Before Visiting Your Doctor

The My Choice Provider Locator at is your tool to determine whether your doctor will accept a set sharing amount without balance billing. It lists the doctors who have a relationship with OneShare or one of our partners, so we may easily process their bills.

If you choose not to use a doctor listed in the My Choice Provider Locator, it is still important to have a conversation with them about your Program and how they will be reimbursed.

Advocate for your Program by explaining it is a Member-driven option that allows you to choose any Provider.

In rare instances, a doctor not listed in the My Choice Provider Locator will insist on receiving their full billed charge and refuse to negotiate with OneShare, leaving a Member with some additional sharing responsibility.


Before you visit…

Check the My Choice Provider Locator to find a doctor.

  • Call OneShare Health for help finding a Hospital, Facility, or Lab near you.
  • Talk to your physician about your Program. Talking points are provided below!
  • Advocate for your Program as a Member-driven option to save you and other Members money.

Fair & Reasonable Sharing

Fair and Reasonable Sharing is OneShare Health’s model that facilitates sharing at a fair amount when compared to services performed. We start with approving an amount based upon a percentage above the Provider’s Medicare rate. If a Provider does not accept that amount, we will advocate on your behalf with the Provider to significantly reduce their charges, when appropriate.

Asking the Right Questions

Know how to speak to your doctor about your OneShare Health Program.

DON'T Say... Instead, Say...
Do you “accept” my Program? Do you accept Medicare? Great! My Program will facilitate sharing of Eligible expenses at more than what you get from Medicare.
Do you “take” my Program? My Program reimburses a percentage ABOVE your current Medicare rate. Since you accept Medicare, I expect that you accept my Program’s sharing without balance billing!
I don’t know if “you” are “covered” by my Program? What do you charge for services? My Program can reimburse me if I pay cash.
Are you in my network? My Program is a Health Care Sharing Ministry that processes my bills for sharing. There is no network. My Program reimburses a fair and reasonable amount based on a percentage above your Medicare rate.
I don’t know how much “my Program” pays for that. My Program allows me to choose any physician I want. I would like to be able to use you as my physician. Can we discuss how we can work together?

With OneShare Health Christian Health Plans, you can enjoy no network  restriction so you can go to any doctor. “Therefore encourage one another and build one another up, just as you are doing.”

I Thessalonians 5:11 (ESV)With OneShare Health Christian Health Plans, you can enjoy no network  restriction so you can go to any doctor.