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Christian Care Ministries (CCM) and their HealthShare ministry, Medi-Share, is a very popular healthsharing option. The ministry’s website claims they have over 400,000 members! If true, this would most likely make Medi-Share the largest medical cost sharing organization in the country; it’s certainly among the top three. Medi-Share has members in all 50 states and is one of few HealthShares that offers membership options for people over 65. The organization also claims to have shared over 1 billion dollars in eligible medical bills among its members.
Prospective members must agree to a set of specific Christian beliefs (viewable here), which make it one of the more difficult ministries to join. However, Medi-Share does not list denomination restrictions or require that new members prove church attendance.
Medi-Share seems to work a lot like all the other healthsharing ministries out there. Medi-Share does do a good job of explaining everything on their website (although some information is not available without contacting them first). They have also created a pretty nifty video that explains exactly how Medi-Share works for a member. Essentially, each Medi-Share member submits 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 receive money from other members as well.
In their video, Medi-Share also touches on the penalty exemption that one would normally have to pay for not having traditional health insurance. Luckily, legitimate healthsharing ministries are exempt from this penalty due to their religious status.
Medi-Share’s website provides an easy-to-use cost calculator to determine how much you would need to pay to be a member, since costs seem to vary based on member’s age, family size, and location. The good thing about this tool is that you can get exact pricing information; the downside is that you may need to enter contact information to access it. We ran calculations for a 30-something married couple from Maine, and found price results ranging from about $200 to nearly $500:
The Annual Household Portion (AHP) is a very similar concept to the Annual Unshared Amount used by other ministries. With Medi-Share, your Annual Household Portion is the amount of money that you must pay out of your pocket before they start sharing eligible medical bills. The more you are willing to pay for your monthly share, the less of an Annual Household Portion you will have.
Medi-Share’s Standard Monthly Share is the price that you need to pay each month to be a member. For an individual in their 20’s, they 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 feel secure knowing that if something bad happened, you would have help after $10,000.
Member reviews make it seem that Medi-Share is willing to pay providers directly.
Medi-Share 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 Medi-Share, you must 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. Once approved for Medi-Share, you pay a one-time $120 “new member” fee along with your monthly share.
To pay for the monthly membership fees, Medi-Share 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 membership money goes.
For those interested in Christian HealthShares, other possible alternatives are Samaritan (another large, well-established ministry, but without sharing for routine or preventive costs), Altrua (seems to also have a wide variety of membership tiers), and Christian Healthcare Ministries (one of the oldest, if not the oldest, HealthShares open for public membership).
Are you a member of Medi-Share? Please leave a review below so others can get a better sense of what it’s like to be a part of Medi-Share!
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