The Ultimate Zion HealthShare Review (2023)

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The Ultimate Zion HealthShare Review (1)

In this post, I am going to go over everything you ever wanted to know about Zion HealthShare.

About Zion HealthShare

Zion HealthShare is a non-profit HealthShare organization. Zion HealthShare provides an organized way for members to share in each other’s medical needs.

Zion HealthShare began sharing medical costs with its members in 2019 and has since become the fastest-growing, top-rated HealthShare in the nation. Learning from the organizations that came before it, Zion HealthShare was founded with the mission to re-imagine the medical cost sharing model to fit the needs of its members amid the rapidly changing environment of American healthcare.

Zion HealthShare’s Principles of Membership

There are no religious requirements or affiliations needed to join Zion HealthShare. All Zion HealthShare members must attest to the following statements:

  • I believe that a community of ethical, health-conscious people can most effectively care for one another by directly sharing the costs associated with each other’s health care needs. I acknowledge that Zion HealthShare affiliates itself with, and considers itself accountable to, a higher power. I recognize that Zion HealthShare welcomes members of all faiths.
  • I understand that Zion HealthShare is a benevolent organization, not an insurance entity, and that Zion HealthShare cannot guarantee payment of medical expenses.
  • I agree to practice good health measures and strive for a balanced lifestyle. I agree to abstain from the use of any illicit or illegal drugs and refrain from excessive alcohol consumption, acts which are harmful to the body. I understand that members who use tobacco will have an increased monthly contribution (per household) of fifty dollars.
  • I am obligated to care for my family. I believe that mental, physical, emotional, or other abuse of a family member, or any other person, is morally wrong. I commit to treating my family and others with care and respect at all times.
  • I agree to submit to mediation followed by subsequent binding arbitration, if needed, for any instance of a dispute with Zion HealthShare or its affiliates.

Zion HealthShare Membership Eligibility

Membership eligibility in Zion HealthShare is primarily based upon two factors.

  1. Adherence to the Zion HealthShare’s Principles of Membership.
  2. Participation in the community by submitting monthly contributions.

After committing to these primary obligations, prospective members are eligible to enroll in the Zion HealthShare community. Membership may begin on a date elected by the prospective member or specified by Zion HealthShare. The prospective member’s monthly contribution must be received within 15 days of the agreed upon start date. The first monthly contribution must be received before the membership is considered active.

While member health status has no effect on eligibility for membership, there are limitations on medical cost sharing for some conditions that existed prior to a member’s effective date. Member needs that do not qualify for medical cost sharing may still be met, whether in whole or in part, through the special needs sharing program associated with Additional Giving.

Zion HealthShare Member Responsibilities

1) Monthly membership contributions should be made in a timely manner. If contributions are not made within 30 days of the due date, the membership will be inactivated, and any needs will not be shareable.

2) For Zion HealthShare to share in a member’s medical expenses, the member is responsible for submitting a complete and correct Needs Request within six months of the treatment date to Zion HealthShare.

3) Zion HealthShare community members are expected to act with honor and integrity. Members should not falsify medical needs or use deceptive practices. If a member abuses the trust of Zion HealthShare and its members, their membership may be revoked.

Zion HealthShare Membership

There are four types of membership, and member contributions are calculated depending on the participating members of a household.

(Video) Zion HealthShare Review

Member Only: an individual member of Zion HealthShare
Member & Spouse: Two married members
Member & Child(ren): A member and any eligible dependent children, without membership of a spouse
Member & Family: A member, spouse, and any dependent children

How Does Zion HealthShare Work?

Zion HealthShare members pay, or contribute, a set amount of money each month to your Health Share community. This monthly amount is based on how many members are on the plan, the oldest person’s age, and the IUA amount that you choose (more info on that below).

When the Zion HealthShare member has an eligible medical need, the member would first need to pay their IUA, which is the member’s responsibility before the Health Share community pays any medical bills. This is similar to a deductible that you’d have with a Health Insurance plan.

Once the member has paid their IUA responsibility, then Zion HealthShare would share in all eligible medical expenses.

What is Zion HealthShare’s IUA?

The initial unshareable amount (also known as the IUA), is the amount that a member will pay before the Zion HealthShare community shares in eligible medical expenses. The IUA is also known as your personal responsibility. Zion HealthShare has three primary levels of personal responsibility: $1,000, $2,500, and $5,000. The lower your personal responsibility (or IUA), the higher your monthly contribution will be.

All qualifying medical expenses submitted after the IUA is met are shareable with the Zion HealthShare community at one hundred percent. There is no annual or lifetime limit. For each separate need, the Zion HealthShare community will share medical costs after the IUA is met. You will not need to pay the IUA for a single need again until you are symptom free for 12 months.

You will not be responsible for more than three IUAs in a rolling 12-month period.

How the IUA Works at Zion HealthShare

How Medical Needs are Shared at Zion HealthShare

A “need” is expenses related to the same medical condition, whether expenses for a single incident or separate incidents, will be shared as one need. The related expenses will accumulate toward the total need amount.

Medical needs are submitted on a per member, per incident basis. Medical needs may be injuries or illnesses that result in medical expenses. These medical expenses may be incurred by receiving medically necessary treatment from licensed medical professionals and facilities, such as physicians, emergency rooms, and hospital facilities.

When a member has a medical expense to be shared, the member must submit original, itemized bills for the medical expense within six months of treatment. Bills submitted more than six months after the service date of treatment will not be shareable. There is no lifetime limit on the number of conditions or the total dollar amount that may be shared.

How to Submit a Need at Zion HealthShare

  1. Members provide their Zion HealthShare Membership ID Card and declare themselves as a cash pay patient.
  2. Provider and/or Member Work With Zion HealthShare To Process Need.
  3. Zion HealthShare Will Pay Provider Directly On Behalf Of Member Or Reimburse Member For Medical Expenses Paid To Providers Directly.

Needs processing completed within 5-10 business days of receipt of all information related to medical need.

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Providers can be paid before services are provided.

You can submit your receipts for your medical bill(s) to:

Preventative Sharing

Zion HealthShare is generally for larger and unexpected medical events. However, they also encourage their members to take proactive measures for good health. They will share in certain preventative measures to help you and your family stay healthy.

You do not have to meet your IUA before you take advantage of the preventive services.

There are no network limitations for preventive services, so you can go to any provider of your choice. At the time of service, ask your provider for a self-pay discount and an itemized bill sent to Zion HealthShare, or call the Member Care Team and they will facilitate payment to your provider over the phone. Zion HealthShare’s billing information is located on your member ID card.

On occasion, providers may be reluctant or not understand how to bill Zion HealthShare. In such cases, you can call the Member Care Team, who will assist you. If your provider is unwilling to work with Zion HealthShare and requires payment at the time of service, request a self-pay discount and itemized bill. You can submit your bill and proof of payment to Zion HealthShare.

ServiceWaiting PeriodSharing Cap
Annual Provider VisitNone$250.00
Colonoscopies6 Months$5,000.00
Mammograms6 Months$600.00
Youth Immunizations(0-18)6 MonthsSee Below
Well Child VisitsNone to 6 MonthsSee Below

Annual Provider Visit: Zion HealthShare offers one fully shareable annual provider visit per member. The visit may be used for a sick visit, preventive visit, or specialist visit. Members may also use their annual visit for services provided by a dentist, optometrist, or mental health provider. The first qualifying service submitted to Zion HealthShare for sharing will be shared at 100%. The annual visit resets 12 months from the visit, not at the membership anniversary. Sharing is limited to $250 for the total visit cost. Pap smears will be considered fully shareable when billed alongside the annual provider visit. Any additional services provided at the time of service will be considered the member’s responsibility, including x-rays, lab work, and other services.

Colonoscopies: Screening colonoscopies are available every 10 years beginning at age 45. A screening colonoscopy and the related anesthesia are shared at 100%. Diagnostic testing, including biopsies and pathology, performed as part of the screen are also shared. Any separate appointment or visit fees are not considered shareable as part of the colonoscopy service. The $5,000 sharing cap applies to the total cost of the visit and all shareable services. Zion HealthShare encourages their members to have this service performed at an outpatient center and not in the hospital, as the centers usually charge less for their services.

Mammograms: A yearly preventive mammogram is shareable beginning at the age of 50. A 2D or 3D imaging service and the follow-up appointment are shareable at 100%, including the mammogram, exam, appointment, and evaluation of imaging. For members at high risk for breast cancer, mammograph may be shareable prior to age 50 if referred by a licensed medical provider. The maximum shareable amount for the preventive mammogram and related services is $600. Diagnostic mammograms are not shareable as a preventive service. They may be eligible for sharing as part of a related eligible need.

Youth Immunizations: All shareable immunizations for children up to the age of 18 are based on the guidelines
set forth by the Centers for Disease Control and Prevention ( The appointment or visit fees are not sharable as part of the preventive immunizations, except for those that are a part of the well child visits or annual wellness visits. Immunizations must be given within 12 months of the age recommended by the CDC and
are shareable up to the member’s age of 18.

Well Child Visits: Well child visits and their associated immunizations are shareable. Following the Centers for Disease Control and Prevention guidelines and recommendations from the American Academy of Pediatrics, Zion HealthShare will share in up to six (6) well child visits before the age of 12 months, three (3) between 12 months and 24 months, and two (2) between 24 months and 36 months. Yearly visits after can be shared as the annual provider visit.

For children born through a shareable maternity need, members have the option to change their family enrollment to our Direct membership or add Connected to the Essential Membership within 30 days of the birth of the child in order to be eligible for well child visit sharing. Corresponding contribution changes will be applied, and there is no waiting period for sharing.

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For children not born through a shareable maternity need, the membership must be active for at least six months to qualify for sharing and to be eligible for the optional membership change.

Pre-Existing Conditions

What is considered a Pre-Existing Conditions: Needs that arise from conditions that existed prior to membership are only shareable if the condition was regarded as cured and did not require treatment or present symptoms for 24 months prior to the effective date of membership.

Any illness or injury for which a person has been examined, taken medication, had symptoms, or received medical treatment within 24 months prior to the effective date of membership is considered a pre-existing condition.

Please note: Needs that existed prior to membership may still qualify for sharing through the Additional Giving Fund.

Exceptions: High blood pressure, high cholesterol, and diabetes (types 1 and 2) will not be considered pre-existing conditions as long as the member has not been hospitalized for the condition in the past 12 months and is able to control it through medication and/or diet.

Sharing for Pre-Existing Conditions: Pre-existing conditions have a phase-in period wherein sharing is limited. Starting from the initial enrollment date, members have a one-year waiting period before pre-existing conditions are shareable. After the first year, pre-existing needs are eligible for sharing on a limited basis, with the amount increasing each membership year. Members are never required to pay a second IUA for the same need, including pre-existing conditions.

Zion HealthShare attempts to negotiate all medical bills received. Even if a pre-existing condition is not shareable, members may still receive discounts for their services through negotiation.

Shareable amount for pre-existing conditions:

• Year One: $0 (waiting period)
• Year Two: $25,000 maximum per need
• Year Three: $50,000 maximum per need
• Year Four: $125,000 maximum per need

After year four of membership, expenses related to pre-existing conditions will remain shareable at a maximum of $125,000 in a 12-month rolling period and resetting each membership year.


Here is a list of what is and isn’t shareable for Maternity benefits at Zion HealthShare. If you have difficulty obtaining a discount or receiving the appropriate documentation for your maternity care, please ask Zion HealthShare for help. They are there to negotiate on your behalf.

Member IUA: You will need to meet your Zion HealthShare IUA before sharing begins. Afterward, 100% of your eligible maternity medical expenses will be shared. Your IUA may be partially waived if you opt for a home birth (requires prior written approval).

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Birthing Center or Home Birth: If you will not deliver at a hospital, obtain a prepayment agreement from the provider that will deliver your baby. The agreement should include any services from prenatal care to the birth of your baby. Any other charges must be pre-approved by Zion HealthShare.

If you opt for a home birth, which is generally less expensive than other delivery options, you may submit a request to have your IUA responsibility partially waived by Zion HealthShare.

If for any reason the birth is transitioned to a hospital or medical facility, you will be responsible for your standard member IUA—whether or not you received pre-approval for an IUA waiver.

What is Shareable:

Prenatal: Routine office visits, routine lab work, up to three standard ultrasounds (unless an
unexpected complication requires additional scans)

Delivery: OB/GYN labor and delivery, cesarean, multiple births, hospital labor and delivery, hospital room and board, anesthesiologist, legally-practicing midwives, home births, birthing center, charges related to unexpected complications for mother or baby, one in-hospital pediatrician visit including routine immunizations.

Postnatal: Mother’s six-week postpartum checkup with Pap test.

What is Not Shareable:

Prenatal: Genetic testing (such as amniocentesis), 3D ultrasounds, certain immunizations (such as a flu shot),
non-prescription supplements
Delivery: Doula services, birthing tubs (or other items related to midwife delivery), placenta
encapsulation, circumcision, evoked auditory tests (including BAEP, ABR, or BAER)
Postnatal: Breast pumps, lactation consultant, mother’s immunizations, postpartum counseling,
additional postpartum services

End of Life Assistance

If a member, or a member’s dependent, dies after one year of uninterrupted membership, financial assistance will be provided to the surviving family. The Zion HealthShare member community will provide assistance upon receipt of a copy of the death certificate.

Financial assistance will be provided to the surviving family as follows:

  • $10,000 upon the death of a primary member
  • $10,000 upon the death of a dependent spouse
  • $2,500 upon the death of a dependent child

Turnaround Time for Paying Medical Bills

Zion HealthShare is known for paying medical bills quickly. After Zion HealthShare has received all of the itemized bills for the need, it typically takes 5-10 Business Days for bills to be processed and paid.

Additional Information

  • Zion HealthShare members typically save 30-60% off of traditional Health Insurance.
  • Zion HealthShare does not have annual or lifetime caps on eligible need requests. This gives people peace of mind if very large medical expenses come up, they are not capped.
  • Zion HealthShare will negotiate your medical bills for you – big or small. This means that the bigger medical bills have less of an impact for the entire community. For smaller medical bills that are less than your Initial Unshareable Amount (IUA) and not normally shared within the community, you are not on your own! Submit that medical bill to Zion HealthShare and they will work to negotiate that price down for you, so that you can pay less money out of pocket.
  • Zion HealthShare is a Nationwide HealthShare, so you can live anywhere in the United States and become a member.
  • Zion HealthShare will share in medical costs when on a vacation or serving a mission outside of the United States.
  • Members can work with providers of their choice – without network restrictions.
  • For medical needs that are not eligible for sharing, members can still request sharing through an “Additional Giving Fund”. This is approved on a case-by-case basis.

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How long has Zion Healthshare been around? ›

Zion Health is a health share based in St. George, Utah, and just one of the many health share ministries around the country. Founded in 2019 by Nathan Udy , the nonprofit aims to be a cost-saving alternative to regular health insurance. In Zion Health's model, patients pay a monthly fee into a pool.

What does IUA stand for? ›

Every member has an initial unshareable amount, or IUA, that they choose when they enroll. This amount is how much you as a member are responsible for paying when you incur medical expenses, what we call a medical need.

Is Zion HealthShare Mormon? ›

Zion HealthShare is not at all associated with the Mormon church – or any church for that matter. Zion HealthShare is a non-profit HealthShare organization, which provides a simple and effective way for members to share in each other's medical burdens.

Is HealthShare a good option? ›

A: Healthcare sharing plans are a legitimate and legal alternative to health insurance. Unlike insurance, healthshare plans are designed to protect people against their most critical medical costs. Meanwhile, they're not wasting your money on all the extra coverage that is never being used.

What does CCK stand for? ›

cholecystokinin (CCK), formerly called pancreozymin, a digestive hormone released with secretin when food from the stomach reaches the first part of the small intestine (duodenum).

What does FLN stand for? ›


What does IHH stand for? ›

Idiopathic Hypogonadotropic Hypogonadism (sexual development)

How does Zion Health Share work? ›

A: Zion Health Share plans work similar to other health sharing options: The member submits a monthly contribution, or share. When a qualified medical expense is incurred, the member submits a Needs Request within six months of treatment. The member pays their Initial Unshared Amount, or Member Responsibility Payment.

Is Intermountain health owned by the LDS Church? ›

The hospital was originally owned by The Church of Jesus Christ of Latter-day Saints (LDS Church), but is now owned and operated by Intermountain Healthcare (IHC). LDS Hospital is accredited by the Joint Commission.
LDS Hospital
ListsHospitals in Utah
11 more rows

What is the difference between health insurance and HealthShare? ›

While traditional health insurance aims to pay for all health care needs, health share plans are designed to cover the basics and catastrophic care for people who are pretty healthy. But some health share plans are more comprehensive. You'll want to find out which programs fit your needs best as you compare companies.

Which health care share is best? ›

All Stocks
  • Sun Pharmaceutical. ₹1,035.10. 17.45 (1.71%)
  • Cipla. ₹1,095.35. -12.65 (1.14%)
  • Divi's Labs. ₹3,305.40. 5.45 (0.17%)
  • Dr Reddy's Labs. ₹4,413.85. 8.20 (0.19%)
  • Apollo Hospitals. ₹4,815.05. 209.85 (4.56%)
  • Torrent Pharma. ₹1,614.15. -6.70 (0.41%)
  • Abbott India. ₹20,194.25. 157.10 (0.78%)
  • Max Healthcare. ₹436.15. 3.30 (0.76%)

Which health network is best? ›

Health insurance company ratings. The two top-rated health insurance companies are Kaiser Permanente and Blue Cross Blue Shield, according to available state data from the National Committee for Quality Assurance (NCQA). Mid-tier insurers include Humana, Anthem, UnitedHealthcare and Aetna.

Are Healthshare plans tax deductible? ›

Currently, contributions members make to health sharing organizations for their membership fees are not deductible for federal income tax purposes. Normally, individual taxpayers can deduct medical insurance premiums against their income when filing their tax returns.

Is CCK good for weight loss? ›

Cholecystokinin (CCK) is a gastrointestinal hormone that could potentially be used as an anti-obesity drug, as evidenced by the lowering of food intake observed after administration to rodents [2, 3], pigs [4], monkeys [5] and both lean and obese humans [6, 7].

Does CCK help with weight loss? ›

There appears to be evidence of less than average cholecystokinin in very obese people, unlike the levels in obese and slim people. This low level of cholecystokinin may contribute to reduced feelings of fullness and difficulty in losing weight in very obese people.

What organ is affected by CCK? ›

Cholecystokinin is a hormone produced in your small intestine. It plays a fundamental role in the digestive process. When fats and proteins enter your small intestine, cholecystokinin triggers your gallbladder and pancreas to contract.

What is the target of FLN? ›

The basic aim of the national mission of FLN is to enable all children to read and respond with comprehension, independently write with understanding, develop number sense, mathematical thinking, problem solving and reasoning.

Why is FLN needed? ›

Arguments in the favour of FLN say that the ability to read and write, and perform basic operations with numbers i.e., FLN, is a necessary foundation and an indispensable prerequisite for all future schooling and lifelong learning.

What are the three goals of FLN framework? ›

He explained the three developmental goals of FLN i.e. children maintain good health and wellbeing; children become effective communicators and children become involved learners and connect with their immediate environment.

Who owns IHH Healthcare? ›

The largest shareholder of IHH Healthcare is Mitsui of Japan followed by the Malaysian government's sovereign wealth fund Khazanah Nasional and Citigroup of the United States. A further stake is held by the Employees Provident Fund of Malaysia. The chairman of IHH is Dato' Mohammed Azlan bin Hashim.

What hospital is under IHH? ›

IHH Healthcare Malaysia operates 16 hospitals, comprising four Gleneagles Hospitals, eleven Pantai Hospitals and Prince Court Medical Centre. It also provides diagnostic and rehabilitation services through Pantai Premier Pathology and Pantai Premier Rehabilitation, each with 29 and 16 branches respectively.

When was IHH founded? ›

Is Intermountain healthcare owned by the Mormon Church? ›

Intermountain was created as a secular entity in 1975 when it took on health care facilities owned and operated by The Church of Jesus Christ of Latter-day Saints.” “Intermountain has just embraced us continuing to maintain our Catholicity,” Alberty quoted SCL's Jumonville as saying at the press conference.

What is Zion Health share? ›

Zion HealthShare is a nonprofit medical healthshare program that provides an organized structure for members to contribute toward each other's medical costs. We offer a proven and effective alternative to health insurance. Enroll Online.

Who founded Zion Health? ›

Zion HealthShare was founded in 2019 by entrepreneur and business owner, Nathan Udy. With over a decade of experience managing healthcare plans in the insurance industry, Nathan reimagined what a HealthShare could offer to its members.

Is Chick Fil A an LDS company? ›

Chick-fil-A's business model is largely rooted in its owner's religious beliefs. S. Truett Cathy, a devout Baptist, opened the first Chick-fil-A in Atlanta in 1967, and the chain has remained in his family's hands ever since.

Which ancestry site is Mormon? › is one of the most popular genealogical resources in the world. The site is sponsored by The Church of Jesus Christ of Latter-day Saints and is free and available to the public.

What companies do the Mormons own? ›

Deseret Management Corporation
DivisionsDeseret Digital Media Deseret Media Companies KSL Broadcast Division
SubsidiariesBeneficial Financial Group Bonneville International Corp. Deseret News Deseret Book Hawaii Reserves Temple Square Hospitality
WebsiteDeseret Management Corporation
6 more rows

How do I cancel Zion Health? ›

To cancel, contact Zion HealthShare with your request. Your request must include the reason for cancellation and the requested month in which the cancellation of the membership is to be effective. Zion HealthShare requires 15 day notice prior to your payment draft date.

Is Zion Health ACA compliant? ›

Zion HealthShare: Membership in the Zion HealthShare Medical Cost Sharing Community is not minimum essential coverage (MEC) and does not make an individual compliant with the federal ACA mandate or any state-level individual mandate that requires individuals to purchase health insurance.

Is Zion a black Church? ›

Within four years the congregation raised enough money to build their first building. Zion Church attracted many black parishioners, and served as the only African American church in New York City until Abyssinian Baptist Church was founded in 1808.

Why do people call Zion Zions? ›

The Name Zion

Their resolute Christian beliefs lent to the naming of the area “Zion” which is a Hebrew word found in the Bible meaning refuge or sanctuary. According to record, a man named Isaac Behunin was the first Mormon occupant of Zion Canyon.

What religion is Church of Zion? ›

Zionist churches are a group of Christian denominations that derive from the Christian Catholic Apostolic Church, which was founded by John Alexander Dowie in Zion, Illinois, at the end of the 19th century.

What is the downside to Medi-Share? ›

Medi-Share Disadvantages

You might not be eligible for expensive surgical procedures or care because Medi-Share is technically NOT insurance. Many health care institutions and hospitals might not treat you, especially for the more costly procedures if Medi-Share is your only health insurance policy.

How does a health sharing plan work? ›

Health Care Sharing: How It Works

As part of a health care sharing plan, you are responsible for paying in a certain share amount each month (like a premium) as well as an “annual unshared amount” for your own expenses (like a deductible) that your medical expenses must exceed before the plan shares your expenses.

How much a month is Medi-Share? ›

Get doctor visits, lab tests, prescription, and more. Affordable copays. Available in 45+ states. Only $45/month on average.


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