How to Save Money on Healthcare with Lunara + Zion HealthShare

Healthcare costs can feel overwhelming — high premiums, high deductibles, surprise bills, and rushed appointments. Our partnership with Zion HealthShare offers a smarter, more predictable way to manage your healthcare expenses without sacrificing quality or access.

A More Cost-Effective Healthcare Model

Instead of paying expensive monthly insurance premiums for care you rarely use, this model separates your everyday healthcare from major medical needs.

• Lunara covers your primary care, wellness, hormones, and weight management through a simple monthly membership

• Zion HealthShare helps share the cost of eligible large medical expenses like hospital visits, surgeries, and specialist care

This combination allows many individuals and families to significantly reduce their overall healthcare spending while receiving more personalized care.

Where the Savings Actually Happen

1. No Expensive Insurance Premiums for Routine Care
   Most traditional insurance plans come with high monthly premiums, even if you only use basic healthcare services. With Lunara, your primary care is already included in your membership — meaning no copays, no surprise visit charges, and no rushed appointments.

2. Avoid High Deductibles for Everyday Needs
   Instead of paying thousands out-of-pocket before insurance even starts helping, your routine visits, follow-ups, and preventive care are handled directly through Lunara.

3. Transparent, Predictable Monthly Costs
   You know exactly what you’re paying each month. No hidden fees. No unexpected bills for standard care. Just straightforward, accessible healthcare.

4. Cost Sharing for Major Medical Events
   Zion HealthShare is designed to help with eligible larger medical expenses such as:

   • Hospitalizations

   • Emergency care

   • Surgeries

   • Specialist treatments

This provides financial protection for the big, unexpected events without the high-cost structure of traditional insurance plans.

Ideal for Families, Self-Employed, and High-Deductible Plans

This model is especially popular for:

• Families who want predictable healthcare costs

• Self-employed individuals and small business owners

• Patients with high-deductible insurance plans

• Those who want more access to their provider without insurance limitations
  

Simple Example of Potential Savings

Traditional Model:
High monthly premium + high deductible + copays + surprise bills

Lunara + Zion HealthShare Model:
Low monthly membership + cost sharing for major events + included primary care

The result? Many patients spend less annually while receiving more personalized, prevention-focused care.

What Zion HealthShare Is (and Isn’t)

Zion HealthShare is a medical cost-sharing membership, not traditional insurance. Members contribute a monthly share that helps cover eligible medical expenses according to their guidelines. When paired with Lunara’s Direct Primary Care model, it creates a comprehensive and financially efficient approach to modern healthcare.

A Smarter Way to Invest in Your Health

Instead of paying for a system that limits access and prioritizes volume, this model prioritizes prevention, relationships, and long-term wellness — all while helping you take control of your healthcare costs.