A note from Randi Shannon · Miami
I was quoted $1,400 a month.
I pay under $300.
Three years in, this is how I handle my own healthcare. I get asked about it more than anything else I do.
Get a free quoteNo commitment. Takes about two minutes. Once you are set up, I will give you a complimentary 10-minute conversation about staying healthier. My gift, not part of the program.
Three years ago my Blue Cross Blue Shield renewal came in at $1,400 a month. I am self-employed. I see a doctor about once a year. I was being asked for $16,800 a year for the privilege of saying I could. I did not pay it, and I still have not.
What I use instead is Impact Health Sharing, a not-for-profit community where members share one another’s eligible medical bills. It is not insurance, and it does not pretend to be. In my case it runs under $300 a month. I see any doctor I choose, and in three years I have not once had to ask a receptionist, “do you take this?”
The arithmetic, in my case
Rounded, and based on the plan I was quoted. Your household, your state and the responsibility level you choose will change the figure.
What membership includes, at no extra cost
- 01Any doctor. There is no network. You go where you want to go.
- 02Annual wellness visit and routine labs, shared at 100%.
- 03Unlimited virtual visits with a doctor, day or night.
- 04Three short-term teletherapy sessions. Nobody expects that one.
- 05$0 generic prescriptions, and savings on the rest.
- 06Dental and vision discounts.
- 07A concierge who coordinates paying the bill. No 1-800 number.
- 08Wellness rewards up to $150 a month toward your responsibility amount.
How the sharing works
You choose an annual household responsibility amount from four levels. Four, not a forty-page plan comparison. Once it is met, eligible bills are shared at 90%, and your 10% is capped at $5,000 per household per year. I can read that sentence aloud in one breath. Try that with a deductible page.
Impact says it has never issued a universal price increase in over five years. My old plan went up every January like a clock.
The question “do you take this?” is simply gone from my life. That alone was worth the switch.
If you are 65 or over
There is a separate Seniors program that works alongside Medicare Parts A and B after a $1,000 annual responsibility amount, with no network and no pre-existing condition limitation on that program. Medicare’s gaps are where retirees get hurt. This is built for those gaps.
Read this part before you decide
Impact is rooted in Christian values and is open to anyone, regardless of religion or creed, who agrees to its shared beliefs and guidelines. Read the guidelines. I did. There are monthly assessments for tobacco use and for BMI, and sharing follows published rules rather than a government mandate, so it is not the right fit for everyone. If you have an open claim or an ongoing condition, read how pre-existing conditions are handled before you move anything. Do not cancel any insurance, or stop any medication, on the strength of a web page. Get your own quote, read your own numbers, and decide for yourself.
Enrollment is open all year, so there is no window to miss. But if you are shopping anyway this season, shop this too.
And once you are set up, email me. I will give you a complimentary 10-minute conversation about keeping yourself healthier, no reading, no pitch, just a talk. That is my gift to you, not part of the program.
RandiRandi Shannon, Certified Doctor of Naturopathy
No commitment. This is my personal referral link. Questions about my experience? info@thebodycan.com or 786-833-7248.
Educational and religious purposes only — not medical advice. Randi Shannon does not diagnose, treat, or prescribe, and is not a licensed medical doctor. Traditional naturopathic services are complementary and are not a substitute for licensed medical care. Consult a licensed provider about your health. In an emergency, call 911. Impact Health Sharing is not insurance. Randi Shannon is a member and may receive a referral credit when someone enrolls through the link on this page.