Guidelines - 3.7 Sharing Limits

This section does not apply to REDEEM SeniorSaver members 
because the required waiting periods do not apply to these 
programs. REDEEM SeniorSaver members see section 3.3 REDEEM 
SeniorSaver Sharing of Expenses.

Other restrictions apply to the sharing of eligible needs, in addition 
to your Unshareable Amount. See each category below for details 
on such restrictions.

3.7.1. First 90 days of membership. 

For the first 90 days from the Member Start Date, only Needs 
resulting from injury, acute illness, or accident are eligible for 
sharing, up to a maximum of $50,000 per household membership. 
This waiting period does not apply to Samaritan Ministries Legacy 
Members.

3.7.2. First year of membership. 

The following conditions and treatments are not eligible for 
sharing in the first 12 months from the Member Start Date. This 
limitation does not apply to treatment required as the result of 
an accident during membership. For Samaritan Ministries Legacy 
Members who join REDEEM HealthShare without membership 
interruption, this waiting period begins based on your start date in 
the Legacy program. 

• Arthritis

• Autoimmune conditions

• Allergy treatments

• Back Surgery

• Bone spurs (bone calcification)

• Cataracts

• Glaucoma

• Hormone therapy

• Joint replacement

• Lipedema, Lymphedema, Liposuction

• Lyme disease

• Macular degeneration

• Maternity and newborns see section 3.10.1 Maternity and 
Newborns

• Prosthetics

• Sleep related restricted airway conditions, for example, sleep 
apnea and including CPAP equipment

• Varicose veins