Pursuant to a written request from Christian Care Ministry, certain portions of this review have been removed to ensure that the content here in does not violate any of Christian Care Ministry’s trademark rights. Healthsharing Reviews is not affiliated in any way with Christian Care Ministry and Healthsharing Reviews does not endorse any products or services offered by Christian Care Ministry nor is Healthsharing Reviews sponsored in any way by Christian Care Ministry.
Christian Care Ministries (CCM) and their Medi-Share ministry is a very popular healthsharing option. The ministry’s Wikipedia page claims there are over 300,145 CCM members since June of 2017. If true, this would most likely make CCM the largest healthsharing organization in the country. The organization also claims to have done over $1 BILLION dollars in shared medical bills among its members.
Christian Care Ministries seems to work a lot like Liberty and all the other healthsharing ministries out there. The Christian Care Ministry does do a really good job of explaining everything on their website. They have also created a pretty nifty video that explains exactly how Christian Care Ministries works for a member.
Essentially, each CCM member will submit their “Standard Monthly Share” each month and that money can be sent to other members who need a medical bill paid. Whenever you need an eligible medical bill to be paid yourself, you will receive money from other members as well.
In their video, CCM also touches on the penalty exemption that one would normally have to pay for not having traditional health insurance. Luckily, healthsharing ministries are exempt from this penalty due to their religious status.
The pricing for CCM is straightforward. Christian Care Ministry’s website also provides an easy-to-use cost calculator to determine how much you would need to pay to be a member. Below are the pricing results I was given after entering in the calculator that I was an individual born in 1990:
Keep in mind that pricing results can change based on a member’s age, geographic location, and other factors.
The Annual Household Portion (AHP) is a very similar concept to the Annual Unshared Amount used by ministries like Liberty Healthshare. With Christian Care Ministries, your Annual Household Portion is the amount of money that you must pay out of your pocket before CCM will start sharing your eligible medical bills. As you can see above, the more you are willing to pay for your monthly share, the less of an Annual Household Portion you will have.
Christian Care Ministries Standard Monthly Share is the price that you will need to pay each month to be a member. For an individual in my 20’s, I would only need to pay $80 per month in order to have a $10,000 AHP. This would be a great option for a young, healthy individual that hardly ever has any medical bills. You can have a cheap monthly payment but still walk the streets knowing that if something bad were to happen, you would have help after $10,000.
Healthy Monthly Share – this is something that caught my eye at first. CCM seems to put an emphasis on healthy individuals. If you meet their certain health standards, you can receive up to a 20% discount on your monthly share costs. I think this an amazing way to incentivize individuals to be healthy. Nice job Christian Care Ministry!
Member reviews make it seem that CCM is willing to pay providers directly.
CCM has a pretty easy application process. You can either fill out their digital application or call their sales line at (800) 772-5623 and a rep will walk you through the application process. When applying to CCM, you are required to pay a one-time non-refundable $50 application fee.
Almost immediately after completing an application, you will receive an email to complete some more forms.
If you’re approved for Medi-Share, you will then be required to pay a one-time $120 “new member” fee along with your monthly share.
To pay for the monthly membership fees, CCM requires you to set up a Personal Sharing Account with their financial partner America’s Christian Credit Union (ACCU).
There is a $2 one-time membership fee for setting this account up and then another $2 every month for administrative fees. Once this account is set up, this is where the money will be passed through for your CCM membership.
Are you a member of Christian Care Ministries? Please leave a review below so others can get a better sense of what it’s like to be a part of a Christian Care Ministries!
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