Plans & Benefits

Healthcare Sharing for Every Stage of Life

Two plan families. Seven options. One community built on faith and mutual care.

What Is a Healthshare?

A healthshare is a community-based alternative to traditional health insurance. Members contribute a monthly share amount used to cover eligible medical expenses for fellow members — neighbors helping neighbors, guided by faith.

Bethany

PHCS Network

Three tiers of PHCS network coverage — choose the level that fits your needs and budget.

Most Comprehensive

Bethany Elite

Our most comprehensive plan with the broadest network access.

Broadest PHCS network access — nationwide providers
Maternity, mental health & substance use sharing
Surgery, hospitalization, specialist & diagnostic care
Preventive care & annual wellness visits
Prescription sharing included

Download Member Guide

Bethany Choice

Balanced coverage for individuals and growing families.

PHCS network access — broad provider choice
Maternity sharing included
Emergency, surgery & hospitalization
Specialist & diagnostic care
Preventive screenings & primary care

Download Member Guide

Best Value

Bethany Essential

Core protection at an accessible monthly share.

PHCS network access
Primary care & preventive screenings
Emergency & urgent care
Basic diagnostic services
Prescription discount program

Download Member Guide

Exodus

Open Network

Flexible, affordable sharing with no network restrictions — see any provider, anywhere.

Most Comprehensive

Exodus Platinum

Maximum sharing with the broadest open-network benefits.

Open network — see any licensed provider
Comprehensive inpatient & outpatient sharing
Maternity, mental health & specialist care
Surgery, hospitalization & diagnostic imaging
Prescription sharing & preventive care

Download Member Guide

Exodus Preferred

Broad sharing benefits with flexible open-network access.

Open network — no provider restrictions
Inpatient & outpatient sharing
Specialist, surgery & hospitalization
Maternity sharing included
Preventive care & prescription discounts

Download Member Guide

Exodus Premium

Enhanced sharing for individuals and families seeking more coverage.

Open network — any provider, any state
Emergency, surgery & hospitalization
Specialist & diagnostic care
Primary care & preventive screenings
Prescription discount program

Download Member Guide

Most Affordable

Exodus Basic

Simple, affordable healthcare sharing with open provider access.

Open network — see any provider
Primary care & preventive screenings
Emergency care & urgent care
Basic diagnostic services
Prescription discount program

Download Member Guide

Included with every plan

24/7 Telehealth accessPrescription discount programMember advocacy supportSimple online claims processHealth education resourcesDedicated member services team

Joppa HealthShare is not insurance. Sharing amounts and eligibility are subject to membership guidelines.

Not sure which plan is right for you?

Our team is here to help you find the best fit for your family and budget.