Medi-Share

They are not an insurance company, but require insurance forms and codes for reimbursement. Then they act like your doctor is the problem for not submitting insurance forms to them…even though they are not an insurance company. They are easy to reach to sign up, but don’t hold your breath after. My bills show over $62,000 submitted. Of this, they applied less than $3000 to their version of a deductible. And only one check up was for a pre-existing condition. This appointment cost $3000. So, even if that one didn’t count towards the deductible, that leaves $59,000!?! As of now, they have been changing billing vendors for 3 months. I’ve used other sharing ministries before, so I’m familiar with submitting for reimbursement. With CHM, bills were easy to submit, quickly processed, and the pre-existing check up didn’t even count as pre-existing because it was monitoring a condition corrected 14 years ago. Something is seriously shady with Medi-Share.

We’ve had very good luck with Medishare ($200000 in bills all paid after AHP) although you must carefully follow their sharing guidelines AND understand that it takes in many geographies alot of work to find providers willing to work with them.

BEWARE of medi-share! I was a member with them for over 12 years and since we are a relatively healthy family, we had no issues the few times we actually met our “household portion” (deductible in health insurance talk). However, finding a doctor who would use them was difficult. They decided my wife needed “health coaching” so began charging us $80 extra a month for a 30 minute monthly phone call. Prices rose annually. What began as a good financial decision wasn’t all that great towards the end. After trying unsuccessfully to get off the “health coaching” scam, (and that’s what it was) I called in December to cancel my membership. Was told that I would not be drafted anylonger, but low and behold, in January they drafted my account. I called and after a relentless phone conversation was told I would receive a reimbursement by the end of that month, which never came. Just got off the phone with them again and now they refuse to reimburse me, even though I was told by this “Christian” health sharing company in December that my account would not be drafted again and when it did in January was told I would be refunded. But… they will offer to pray with you.

I am very frustrated, as we had our son join our family through adoption; and I am being told that policy does not allow us to cover him on our plan until the first of the next month.

This is very disappointing, and I question who set this policy up, and perhaps if it should/needs to be reviewed for future families?

Rip off. Total scam. I paid for over a year and when I tried to finally use it to find a doctor, I realized no one on their approved list even heard of them and I could not get anyone at MEDI-SHARE on the phone to discuss options to find a provider.

Funny how easy it is to get someone on the phone if you want to buy it, though!

Medishare may be trying to provide a good service, but the program is run so poorly that it is not worth using this product. We had medishare for a year while my wife was pregnant and then gave birth to our daughter. Medishare told us everything would be covered but we have instead had to pay out of pocket for everything concerning her maternity care and our baby’s birth. It has been so difficulty to get in touch with anyone at Medishare regarding the resolution of these problems. My wife has been on the phone at least weekly, sometimes more often, for at least an hour (every week for the last 6 months) trying to resolve these problems. Some of the hospital bills we could not afford to pay out of pocket have gone to collections. Every time we contact Medishare they either do not understand what the problem is, they ask us to pay them more money, or they tell us everything has already handled even though it clearly has not. My wife has basically entered into a part time job where she sets up 3 way calls between Medishare and our hospital system to try and facilitate a resolution to these issues. But so far nothing has worked. It is incredibly difficult to be asked at the end of each Medishare phone call if there is anything they can pray for her about, when she is already in tears because of how the Medishare customer service personnel have treated her. Maybe for some health issues other than maternity care this could be a good service, but if you are thinking of getting pregnant and using this insurance I really think you would do good to find something else. Even if more expensive, it would be better to feel like you have a legitimate company backing you up with your healthcare bills. Hope this helps.

Don’t buy unless you want to die!!!!

(its taken me a year to finally write this I was so bothered by them).

I will get right to the point. Medishare found a loophole to not pay for my wife’s lifesaving liver transplant and I had to pay 100% of it out of pocket plus the cost of a private jet, moving to new york for almost 3 months, had to leave my work behind, plus over 120K for another hospital that did nothing and sent her home to die. I wont tell you what I paid for the liver transplant and a year of follow ups, as well as about 50 or so flights so far hotels, meals, flying my kids back and forth to see their mom, etc. (and it was in the richest most expressive county in all of America, air bnb started at about 8K a month for something private non shared which the doc insisted on and went up from there).

She was in critical condition and had days to live and Medishare wouldn’t give the hospital any answer AT ALL about whether they would cover it and just referred them to their website for info. I was in total disbelief at their total lack of care and no willingness to help in any way at all. They could care less and just gave lip service. They were absolutely horrible and there was Nothing Christian at all about how they dealt with my wife! I would swear the devil was calling the shots there. They even offered to pray for my wife while telling me they were gonna let her die cuz it wasnt fair to other members to help pay for this.

My wife was sent home to die from IU’s transplant center in Indianapolis after they said nothing could be done as they have a 3 month waiting period for transplants. We had days left. I didnt accept that answer and found a team in new york that saved her life. Medishare was going to let her die. They claimed a peth score which is not an FDA approved test and her surgeon said the virus she had would throw false numbers but they found the score somewhere and basically said I was not telling the truth or something. A peth lab score measures past alcohol consumption. We did drink socially but so did Jesus. The score was so far off it wasnt even believable according to a surgeon at IH Health. Jesus would never look for reasons and excuses to not save someone let alone not even make any effort at all. But God had other plans because unlike Medishare he does what’s right ALL the time. It was OVER 2 million in medical bills and services! That is it took to save her. We negotiated a prepay big discount but I still had to wire big 6 digits payment In advance with 30 minutes notice before the jet picked her up to transport her to NY, otherwise she wouldn’t not have gotten a bed and would have died within a day or two. I really hope God sets them straight when they meet him. I expect this from non-christians, but never would I have dreamed there would be such awful people claiming their christian faith is to help and save yet wont even help us find out if she could be covered at first, then later looked for loopholes and money savings to benefit their Christian members. I will be praying to God to intervene in this company and start actually acting Christian! Jesus will say to many “who are you, I never knew you”. I think there will be a lot of that in the end with these people! Its just so sad even a christian organization gave the worst possible service I think I have ever encountered. I Never say people are or not really christians, but act talk and walk like a duck… might be a duck! NEVER EVER EVER TRUST THIS ORGANIZATION! God saved my wife… Medishare would have cost her life! They were going to let her die! I asked about another test, etc. No interest in that, no interest in a LETTER FROM A SURGEON. They found their loophole and clung to it like glue. No interest at all in trying to find a way to save her life. I pray they don’t find themselves in the situation they put others in. Hard to believe that Obamacare of all things is better than Medi-share. Also I was a member ever since obamacare came out, and NEVER a single claim always paid on time with autopay. I referred them huge amounts of clients. Almost all were in disbelief and most mentioned leaving Medishare. I hope people learn about this before they find themselves in a life or death situation with medishare. I was blessed to be able to pay for it. I fear for unsuspecting medishare members who might not be able to raise that kind of capital in short notice and die as a result of this terrible! if Jesus was still in his grave he woule be rolling over. And by the way… I forgive all of you at Medishare for choosing to send my wife to her death rather than offer any help. All the glory to God in this situation and all the amazing people and literally thousands who were praying and who helped. God is good. Medishare is NOT! its seems good in theory, but maybe look at other sharing, but NOT medishare. By the way, it looks like there is going to be a major documentary funded by the life saving hospital in new york about all this, how broken the system is, how one husband fought through the system and won, and how they are changing it! It will unfortunately tell this story in some manner as well. They asked me to be an board member on their outreach team to change how transplants and coverage and granting them works. I gladly accepted. It was also encouraged that I write our story in a book and many powerful people said they will get it in the right publishing hands. I haven’t decided yet? God I hate writing this, but its all true! Forgive me God if this is wrong to tell all this, but maybe I will help prevent someone else from death who cant navigate the complexities of such a horrible situation with them.

Titus 1:16

Date of experience: January 06, 2023 and thereafter for.

Don’t buy unless you don’t want to die!!!!

(its taken me a year to finally write this I was so bothered by them).

I will get right to the point. Medishare found a loophole to not pay for my wife’s lifesaving liver transplant and I had to pay 100% of it out of pocket plus the cost of a private jet, moving to new york for almost 3 months, had to leave my work behind, plus over 120K for another hospital that did nothing and sent her home to die. I wont tell you what I paid for the liver transplant and a year of follow ups, as well as about 50 or so flights so far hotels, meals, flying my kids back and forth to see their mom, etc. (and it was in the richest most expressive county in all of America, air bnb started at about 8K a month for something private non shared which the doc insisted on and went up from there).

She was in critical condition and had days to live and Medishare wouldn’t give the hospital any answer AT ALL about whether they would cover it and just referred them to their website for info. I was in total disbelief at their total lack of care and no willingness to help in any way at all. They could care less and just gave lip service. They were absolutely horrible and there was Nothing Christian at all about how they dealt with my wife! I would swear the devil was calling the shots there. They even offered to pray for my wife while telling me they were gonna let her die cuz it wasnt fair to other members to help pay for this.

My wife was sent home to die from IU’s transplant center in Indianapolis after they said nothing could be done as they have a 3 month waiting period for transplants. We had days left. I didnt accept that answer and found a team in new york that saved her life. Medishare was going to let her die. They claimed a peth score which is not an FDA approved test and her surgeon said the virus she had would throw false numbers but they found the score somewhere and basically said I was not telling the truth or something. A peth lab score measures past alcohol consumption. We did drink socially but so did Jesus. The score was so far off it wasnt even believable according to a surgeon at IH Health. Jesus would never look for reasons and excuses to not save someone let alone not even make any effort at all. But God had other plans because unlike Medishare he does what’s right ALL the time. It was OVER 2 million in medical bills and services! That is it took to save her. We negotiated a prepay big discount but I still had to wire big 6 digits payment In advance with 30 minutes notice before the jet picked her up to transport her to NY, otherwise she wouldn’t not have gotten a bed and would have died within a day or two. I really hope God sets them straight when they meet him. I expect this from non-christians, but never would I have dreamed there would be such awful people claiming their christian faith is to help and save yet wont even help us find out if she could be covered at first, then later looked for loopholes and money savings to benefit their Christian members. I will be praying to God to intervene in this company and start actually acting Christian! Jesus will say to many “who are you, I never knew you”. I think there will be a lot of that in the end with these people! Its just so sad even a christian organization gave the worst possible service I think I have ever encountered. I Never say people are or not really christians, but act talk and walk like a duck… might be a duck! NEVER EVER EVER TRUST THIS ORGANIZATION! God saved my wife… Medishare would have cost her life! They were going to let her die! I asked about another test, etc. No interest in that, no interest in a LETTER FROM A SURGEON. They found their loophole and clung to it like glue. No interest at all in trying to find a way to save her life. I pray they don’t find themselves in the situation they put others in. Hard to believe that Obamacare of all things is better than Medi-share. Also I was a member ever since obamacare came out, and NEVER a single claim always paid on time with autopay. I referred them huge amounts of clients. Almost all were in disbelief and most mentioned leaving Medishare. I hope people learn about this before they find themselves in a life or death situation with medishare. I was blessed to be able to pay for it. I fear for unsuspecting medishare members who might not be able to raise that kind of capital in short notice and die as a result of this terrible! if Jesus was still in his grave he woule be rolling over. And by the way… I forgive all of you at Medishare for choosing to send my wife to her death rather than offer any help. All the glory to God in this situation and all the amazing people and literally thousands who were praying and who helped. God is good. Medishare is NOT! its seems good in theory, but maybe look at other sharing, but NOT medishare. By the way, it looks like there is going to be a major documentary funded by the life saving hospital in new york about all this, how broken the system is, how one husband fought through the system and won, and how they are changing it! It will unfortunately tell this story in some manner as well. They asked me to be an board member on their outreach team to change how transplants and coverage and granting them works. I gladly accepted. It was also encouraged that I write our story in a book and many powerful people said they will get it in the right publishing hands. I haven’t decided yet? God I hate writing this, but its all true! Forgive me God if this is wrong to tell all this, but maybe I will help prevent someone else from death who cant navigate the complexities of such a horrible situation with them.

Titus 1:16

Date of experience: January 06, 2023 and thereafter for.

If I could put ZERO stars, I would. We were with Medi-Share for 7 years and on the last year we used them for the first time. Unfortunately, that experience made us leave and move on to Samaritan Ministries instead. I would HIGHLY discourage anyone from signing up with Medi-Share. They might be less expensive but you get what you pay for. They said they would cover something for us but now are making us jump through a gazillion hoops with the provider. Even though the provider doesn’t deal in any insurance (or codes relating to such) they are requiring these in order to reimburse us anything. Their customer service is less than desirable and when I tried to kindly express my frustration for the whole process to the last customer service rep, he didn’t acknowledge a thing I was saying and just say silent on the phone. He was like a robot that didn’t want to empathize or apologize for anything, even if it was a misunderstanding (which it wasn’t) but SOMETHING!??! Oh and they didn’t record emails I sent with documentation they were asking for so they never got put into our file and now I’m having to do double the work. RUN RUN RUN the other direction! There are way too many options to choose from when it comes to health sharing, don’t bank your health & finances on Medi-Share.

I have a high “deductible” plan with Medishare. As such it hasn’t covered many bills, but it is very low in cost (even though I’m 63) and has provided good discounts. For example, I just found out that I need a crown on a tooth; instead of a $1700 bill, I will only need to pay about $1000. Overall it’s a very nice plan for my needs.

But be forewarned: it has a pre-existing condition clause, and you can’t tell how much discount Medishare will get you BEFORE you get the bill. (My state does not allow insurance companies to have pre-existinging clauses, but Medishare is exempt since it’s not technically an insurance company.)

Normally this wouldn’t be a problem for me. But now I need hip surgery sooner than expected, and the cost won’t be covered till I’ve had my policy three years.

This is fair enough; I knew about the pre-existing clause before I joined…and every month I pay hundreds of dollars less than I would if I had a regular insurance policy.

But now I’m in a pickle. I know I would get a discount on the surgery through Medishare; but I don’t know much the discount would be…and since the price tag on the surgery is about $40,000 I don’t feel like risking it!

This is one area Medishare needs to do some policy revisions on.

I’ve been a member for about 28 years IIRC. Initially it was a great program for 10-15 years or so. but then it started changing and now it seems at least to me that they act like any other insurance company(yes I know they aren’t an insurance company) acts by figuring out ways to minimize their payouts for their members. This wouldn’t be a problem if we the members benefitted but they use for example DATA Isight (a company that caters to other insurance companies)t to adjust the bill down and then on top of that declare that the now adjusted amount is over usual and customary such that the member is now left holding the bag for the unapproved amount.

As a solo practice physician who had family membership in Medi-Share, I recently left and am searching for an alternative after having the “pleasure” of treating another member as a patient. I submitted a claim for one of my patients for a procedure performed in June. Not only have we not been paid, but my staff has also called at least once a week to follow up on the claim and has been promised multiple times to have a senior specialist reach out to us, and we have yet to have anyone call us who can provide any assistance or answers. I have no choice going forward but to have my patients with Medi-Share pay up front and submit claims themselves.

My experience with Medi-Share was awful. I signed up with Medi-Share in July of 2022. I started with a plan that called for about $250/mo and $9000 out of pocket. I sent in my weight, blood pressure, etc., and I was told I was obese and had high blood pressure. I had just lost 45 pounds and was a little taken back. They raised my monthly to $355 because of this. I found early on that if I was to leave a message with someone I had previously spoken with, I would not receive a call back. I would need to educate the new person I was speaking with on the situation I was calling about. I was diagnosed with a hernia in November of 2022, and had surgery in January of 2023. I was expecting the money I put out for the surgery to be shared. It wasn’t. Be aware future victims, Medi-Share requires you to make all the phone calls to have information about your medical records sent to Medi-Share. I spent 8-10 hours on the phone with the hospital, surgeon, anesthesiologist, doctor, etc. My surgeon’s staff member asked me why I was making these calls and not Medi-Share staff. I told her this is how Medi-Share works. Some entities of my surgery were with Medi-Share and some weren’t. I was told, after several calls to Medi-Share and many months, that they had decided my hernia was a pre-existing injury and they would not apply the cost of the surgery, $9000 out of my pocket, to sharing. I signed up with Medi-Share in July 2022, diagnosed in November 2022, and had my surgery January 2023. Pre-existing? Right. I cancelled around June 2023, and reached out a couple of more times with no luck or explanation. I spent over $15,000 on this “ministry”. Nothing was shared. I’ve prayed about this review. I can imagine Jesus going into these offices with a whip of cords and straightening these people out. Buyer beware.

I originally joined Medi-Share incase a terrible medical event would occur, and I wouldn’t have the funds to pay for it. When I joined, I was told that I could at least submit medical bills to go towards my sharing amount so that eventually things could be paid for. After multiple hours over several months of trying to get bills such as urgent care visits submitted, the process was too difficult and therefore Medi-Share never accepted the bills. I was told when I called to cancel my membership that the call reps should’ve done the submission process for me. It is disappointing to find out that out of the 1.5 years of being with Medi-Share I couldn’t submit any medical bills to go towards my sharing amount. Since I’ve been extra sick lately and looking to get surgery, I figured Medi-Share would find a way to not pay for it. So, I begged my employer for health insurance. As soon as it went into effect, I called to cancel with Medi-share. A scam for sure. Pro-tip: don’t have your employees read a prayer off a script. It’s super disingenuous. I was paying $200 a month for a $5000 sharing amount (like a deductible) and yet there was no way I was going to hit that since they didn’t allow me to submit any bills. I am now paying $250 a month through work with a $1500 deductible. There are other options, don’t settle for Medi-share!

Medi-Share has cost us a fortune in “premiums” with very little reimbursement. They used to be on the PCPS network which gave a lot of choice. The new network has virtually no doctors even though I live in a major metropolitan area. can’t wait to get reputable coverage in 2024. I have been a member since 1-1-2018

Pros: We saved on our monthly healthcare costs for years using this program.

Cons: When we needed them, it was nothing but a bureaucratic headache and the hospital where my wife sought oncology treatment would not bill through Medishare. That’s telling!

The insurance company I switched to is easier to deal with. In fact, I have not even had to deal with them! Nor has my wife. On the other hand, my wife, who is battling stage 4 lung cancer, has spent innumerable hours on the phone simply trying to get Medishare to cover what they say they are going to cover! We went to the hospital in our town, it’s literally 15-20 minutes away and suddenly our care was “out-of-network”. It’s absolutely preposterous. Our local hospital should not be out-of-network. Medishare is saving a few grand while my wife is dying.

Then there’s the deductible Medishare is dragging their feet on reimbursing that we paid for our primary insurance coverage during the month overlap where we had Medishare as our secondary coverage. Never mind the fact that the customer service representative told us they could process the reimbursement with the information my wife had already provided, but they preferred for us to send the EOB from our primary insurance company. I just got a circular email asking me to send the Medishare EOB for this treatment that shows a need for the other EOB. This wasn’t billed to Medishare! Again, all of this bureaucratic headache is costing me and my wife precious time away from our 4 children as she fights stage 4 lung cancer.

To the poor employee who has to respond to this post, please don’t give me some generic number or ask me to talk to you via Facebook messenger. Have someone that knows what they are doing and has authority to do something contact me.

It seems like many of the recent review here are very poor. That’s telling. If you’re looking for an alternative to normal health insurance, THIS IS NOT IT! KEEP LOOKING!

I recommend you find a different healthcare sharing platform. I have been a member of medishare for 8 years and am leaving because of poor service now that my family needs help. Also if you fail to take my advice, when you choose to leave them be sure to give them 15 days’ notice or you will get to pay for another month.

Medi-share did not come through for me. They left me owing a $132,000 hospital bill. Getting them to return calls was a complete disaster over and over and we never got to the bottom of why they wouldn’t pay for an open heart procedure. We were so worn down by hitting walls within their system, that we finally gave up. Every provider we used from day one told us Medishare was slow pay. They offer to pray with you each time they call, but they failed my family and we’ve moved back to a major insurance provider. I do not recommend Medishare.

I was a Medishare member twice. In the years I participated they never paid for one thing. The only way I saved was to go in as uninsured. Pricing is a bait and switch. “Shares” as they call their premiums go up every time you have the audacity to have a birthday. Regardless of your health. And they don’t just go up a little. The last time I was a member my ” share” went up by 1200.00 a year. I was told my “discounted” rate had run out and I was due for a birthday in 6 months . They always start telling you about new things they will cover if you are leaving. Sure. As far as the Telehealth service goes, it’s a huge joke. Tried twice for sore throat and sinus trouble. First time was told since my glands were a little swollen I just needed to go to the doctor. Second time was prescribed 2 things I could get over the counter. Nasacort and Allegra. No antibiotics for my sinus infection. What a rip!! What kind of problem do you have to have to actually have this work? I have been extremely disappointed with Medishare. Just stick with having friends pray for you, it’s much cheaper!

This is the biggest hoax I’ve ever been a part of. It’s a total SCAM.

They don’t pay for anything and always come up with an excuse, ie. pre-existing condition, routine service (mammogram). I pay $400 month and get nothing in return.

Don’t get scammed and find a traditional provider. They’re crooks who will pray with you…

I have used Medi-Share for 7 years. With a family of 6, we are saving a lot in comparison to health insurance, but more than that… I really like knowing what my money goes towards. They have been reliable, helpful, prayerful and I am grateful.

My wife, Valle, had MediShare for about 4 yrs. In October 2022, she had a minor stroke causing her to fall and break her arm. During this period of time, we tried to use MediShare to deflect some of our medical costs. MediShare advised us that we had withdrawn from the program therefore the minor stroke and any other treatment regarding this was considered a pre-existing condition. That is NOT true. We found out MediShare dropped us from the program when they indicated to us we had not made the proper payments in a little over 2 yrs. I was making payments of $500/month. MediShare advised me the payments were actually $539/month. I was unaware. MediShare returned a total of $1500 that was paid to them. MediShare re-established the insurance in November of 2022. I was told that I owed approximately $1900 in past due premiums. I did NOT receive information as to this increase or the past due balance. MediShare told me they do not send correspondence via USPS, but they did in fact send me correspondence regarding the account via USPS. My wife was scheduled for surgery approximately 4 moths after her minor stroke, St. Mary’s Hospital in Athens and Piedmont Hospital Athens would not accept MediShare. I was told MediShare is not timely in responding to requests for payment. Therefore my wife could not have her surgery at either hospital. The surgery was rescheduled and all medical bills were paid by me out of pocket. As of today, 04.24.23, I am continuing to pay MediShare until I can find another insurance carrier. My comment about being being a Christian organization-they are not compassionate and not accurate with the information we were given. I will never recommend MediShare to ANYONE! In my experience, the program did not live up the expectations that I had based on my initial conversations with MediShare. I was hung up on by one of the customer service representatives when I called in to get an explanation for the cancellation. In addition, all previous conversations with customer service representatives were less than helpful.

Don’t waste your money on the Medi-Share nightmare. I had Medi-Share for over three years, because my employer didn’t offer insurance. Marketing themselves as a Christian company, I believed the wonderful ads about savings and “sharing” and the spiel given by the reps. The first two years I chose a higher payment for a lower deductible. What a total waste of money. The first year I got $168 back from Medi-Share. There was always some excuse why they couldn’t pay anything, even on annual mammograms and basic annual wellness visits supposedly covered. Several doctors’ offices I visited told me, “Oh, you have Medi-Share. Just so you know, we never get money from them.” When I applied for the health insurance discount, I was refused two years because I was “too thin.” I explained to them that I’ve been the same size since college (30+ yrs ago), except when I was pregnant. After the second year’s refusal, I called and said I needed to talk to someone in charge of those decisions, After 10-15 minutes on the phone, I was told a health professional would be calling me for a telephone interview. That phone call lasted almost 30 minutes, with me answering a plethora of questions about my diet, activity, emotional health, and ending in a prayer for me. (The only prayer I needed was to stay calm.) I told them they could call the doctor I’d had for years and he’d verify everything. I got the measley discount. Don’t believe the Medi-Share lies and feel-good ads. It’s a farce.

Please avoid Medi-Share for your own financial safety. CLEARLY legitimate medical bills, but all they do, is delay – with zero intention to pay. They do this by playing the ‘ not enough data’ card, combined with NO ability of the 1st line contacts, to effect any thing.

The decision makers (the claims rejectors) isolate themselves you cannot reach them. And leave the 1st line people to suggest to call back next week, next month, UNTIL the claim is rejected. Then you have to start over. New claim. New submissions. New people.

It is an awful system that has long since lost their usefulness from the high Ins days of 2014.

DO now in 2023, use Healthcare.gov where the Aetna’s / BCBS’s / Cigna’s etc ARE EVEN LESS than Medi-Share. AND, ARE actually insurance. And so ARE regulated and cannot play the games Medi-Share plays.

Medi-Share wants to be treated as Insurance BUT, runs for cover if they see ANY angle to reject payment, knowing they are not regulated as Insurance, and have the freedom to exploit their clients.

This is a horrible Org set up NOT to pay to retain funds that should otherwise be paid out. And your financial situation is at great, great risk as, being unregulated non-insurance, they can do as they please.

With today’s plans under Healthcare, you will find many plans even less than MediShare, who must pay as they ARE regulated by law.

Medi-Share needs audits and subpoenas from every State’s Attorneys Generals and Insurance Commissioners – and tightened laws to stop them from their abusive ways.

Been a member since 2007. Driving down the road and wife gets chest pain. We have an ER admission to the nearest Hosp. While in the ER Medishare rep refuses to talk to me, her husband because they said I do not have power of healthcare. WRONG. That same night at the hospital my wife codes/rapid response HTN event. Thank god for a great hospital response. Cardiac cath next AM w stent placement. 4 Day stay. Medi-share refuses to cover anything 3 months later stating the hospital is out of network. Never heard of an ER admission being out of network. You have got to be kidding me. This is a HUGE RED FLAG. Awful experience. Bill is 6 figures. Total rip off for a member who has been with Medi-share 16 years. How do they get away with this.

Medi-share isn’t perfect, but they are trying. I pay about $1200/month. I’m 40 lbs heavier than I should be and I can bring that down to $1000 a month if I can lose that. They’ve covered 85% of 2 hernia operations and hip repair surgery. To say they cover almost nothing is absurd. Come on, people. That’s not true. To be sure, they don’t cover preventative screenings. And yeah, that’s unhelpful, but they’re paying the real cost of health care. They don’t have a million paper pushers. They keep administrative costs down to a minimum. We’ve gotten about $75,00 worth of bills paid and premiums over the same period have been a little over $100,000. I don’t think that’s unreasonable. I know our premiums aren’t making some bureaucrat rich. One last thing: Medi-Share won’t let you smoke crack cocaine but you probably shouldn’t be doing that anyways. It’s decidedly unhealthy.

Horrible. Reps respond to 1/5 emails, and 1/10 voicemails, at best. I have a family member with a critical illness, and Medi-Share has been awful to work with. When we are able get someone on the phone, it’s usually by calling their basic helpline, therefore zero continuity of care or service, and staff are not empowered to own anything. Constantly hearing ‘this isn’t my area’, but again, no continuity/carry through to make sure the issues actually get resolved.

Please, don’t join. Don’t become a member. I am owed a large amount of money that multiple people at MediShare have confirmed I am owed, and that should have never been deducted from my personal bank account by MediShare. It’s going on over a month now and it’s still NOT been refunded. I’ve spoken to multiple departments with MediShare, spoken to so many representatives who have “made notes on my account” and who have “escalated the refund matter” as to expedite the refund, yet nothing. Please don’t become a member. We were members for 3 months and it was awful when it came to having accessibility to anyone at MediShare to right their wrong. If you value your money and your investments, don’t invest in this company.

Stay away! They will pick up the phone right away to sign up but never after that.

They will tell you your family amount is the same as deductable but its not.. They wont cover a penny until you cover that amount.

This is a scam and we have already alerted our bank and disputed charges.

I hate Medi-share but cannot afford to have medical insurance otherwise. They repeatedly say they are NOT health insurance, but “If it looks like a duck and quacks like a duck…it’s a DUCK!” A supervisor repeatedly told me the company is set up only so people can help other people pay their medical bills. I wonder how many people who pay this high bill every month actually have health insurance with another company. I also wonder if the employees of this company have health insurance with another company. HMMMMM? My insurance agent said Medi-Share now has about 20% of the health insurance market. Do you really think all these people are just trying to help other people pay their bills?
Also…They charge an extra $99 if you have a hang-nail or any health issue even if it’s under control. The problem is you have to go through months of “therapy” via phone or online and then PROVE your health issue isn’t going to cost them anything. With a $12,000 deductible (and no help before that is paid out of pocket) I cannot afford doctor’s appointments and blood work to prove I’m fine. In addition, it’s cheaper to pay the cash price at my doctor’s office ($120) instead of the $160 Medi-Share “discount” price. And now the monthly bill has gone up $31 PLUS if you pay with a credit card you will have to pay a percentage fee for doing so. No bill is mailed to your home each month so you can write a check and mail it in. They only want access to you bank account. I don’t do that for ANYONE! I’m very unhappy!

Terrible customer experience and they cover it with a guilt trip of prayer and faith which makes it even worse that they don’t want to have amazing customer service. The amount of issues of being overcharged for our bills, of their outdated website experience, and app issues with autopayment (of which they won’t apologize that it was their fault we defaulted, even though their backend shows we had autopay on).

We ended up canceling the service and they assured us we wouldn’t be charged for the next month (I canceled three days before the next bill), but was still charged for the next month.

Terrible experience. They say on average a family saves $500/month with their program. The premiums are ridiculously expensive but I signed up hoping any medical bills would at least be decently covered. They have covered pretty much nothing & the discounts on bills have been little to nothing. The hold times for customer service are ridiculous & I receive different, conflicting information every time I speak to someone. We could have set aside the monthly share we have paid & been able to afford our bills out of pocket. Instead, we have paid over $400/mo to them & now owe a ton of money to our medical providers too. I’m not sure where our money is going to but they have not helped my family at all. One of the most expensive mistakes I’ve ever made. The prayers on the phone are nice but doesn’t make up for the huge financial burden they have created for my family. It is sad that they claim to be a Christian company. They do not follow through on their promises & there is no way that the average family save any money. Very disheartening.

Honestly folks, you save money with Medishare and receive very little in return…REAL TALK! Hardly anyone has ever heard of them and few accept the coverage leaving you with the full bill or receiving discounts as if you had NO insurance at all. What’s the point?!? Additionally, there are areas of the US that has NO coverage and few providers have positive things to say about dealing with the “PHCS” or Careington network. After over a year, it seems like yet another Christian scam! Praying with me on the phone doesn’t make up for all the additional costs that aren’t covered! I searching for alternate coverage ongoing. If you’re seeking coverage, find it elsewhere!

If I could give them a negative rating, I would. I have used other medical-sharing companies which are so much better. I understand how to submit to these kinds of companies. We are leaving Medishare. They are in the dinosaur age when it comes to processing bills. It is totally up to you as the client to stay on top of your receipts, call them and make sure things are progressing. They will lose the information you send over, blame you for not submitting it correctly when you have proof they received it with EVERYTHING they need, send it to another department, etc. It will always be your fault that things are not moving along. You will be on hold for HOURS waiting and then they can not give you any kind of solid answer, simply “call back in about 4-6 weeks and see if things are moving along.” As a business owner, I have NEVER worked with a more inefficient system. I am warning everyone to STAY AWAY from Medishare! I cannot even fathom how a client going through a life-threatening accident or cancer treatment has the time or energy to deal with this. They will leave you in the lurch.

These guys are the worst, we were members for 7 years but will be leaving. As many others have said they are great at taking your money. Not so great at covering anything. I had an urgent care visit that we paid out of pocket for and submitted and heard nothing back. We currently have a $20k+ bill that should be covered but they said no. Any savings we had over the last 7 years is going to be wiped out by this bill. We have spent hours and hours on the phone with them and they are terrible

Will try to keep it brief but there is a lot that is bad about this company.
1. had a lot of expenses in 2021, had a $10,500 AHP (deductible). I met it, and then Medishare shares 100% of eligible claims. Well, has been over 1 year and i am still trying to get them to “share the burden” and they simply do not give any answers. countless hours on the phone and e-mail. tried to go as far up the ladder as possible. was thinking to visit them in Melbourne, FL and knock on their door for some answers. This is part of the reason i was driven from corporate run normal insurance is when there is any issue, NO ONE know how to fix it. Same is true with Medishare in my case. simply NOT acceptable for any business Christian or not.
2. They have issues with their billing practices and members getting reimbursed when they pay self-pay for cash to a DR. If you have Medishare, probably STOP paying cash and thinking you will simply get reimbursed using their reimbursement forms online. It doesn’t work so easily. again, I have spent the last year+ trying to get money back and still nothing. Now i am also out the cash, so i hurts my cash flow. Medishare needs to fix this issue-member services have claimed on the phone themselves that it is a big issue and still management seems to not fix it? Many many issues with this. Also Medishare may not work for you if you choose their high deductible as you will be tempted to pay cash for DR. as you tend to get really good deals-often better than Network costs. I know that is bold to say but only those customers who reside in the cash world know that what i am saying is true (and also you can negotiate your own price with many DR. you just need to be educated about pricing and ASK!)
They will waste your time with callling providers to see if they are willing to provide proper submittal forms like HCFA1500 or UBO4. such a mess! total waste of everyone’s time as i don’t think Medishare understands medical billing world.
IF you have medishare AND you have a low AHP like $1500-3000 for example you probably wont be dealing with these problems as you won’t be so concerned with self-pay rates, you will simply let Medishare generally overpay under their PHCS network and that generally is FINE. and You will use their network and let DR submit the bills to medishare.
3. THeir PHCS Network is such a mess trying to figure out who is actually IN their network – they need more work and clarity on this. This may be limited to my area i live in but doesn’t work for us. too confusing and frustrating. and say like the Pediatrician we want doesn’t take Medishare so if we want to use him we have to pay cash and get reimbursed, but then look at my #2 point and you will see it doesn’t work so you end up paying it all yourself. (and I follow medishare guidelines on CHild wellness- thankyou! haha)
4. I paid cash self pay for an MRI and took many months to get the reimbursement from Medishare, Once Medishare approved the bill they sent the check to the MRI place? instead of me, so dumb, then i had to wait several more months to get reimbursed from the MRI place. soooo slow process.
5. Long wait times on the phone. Staff very untrained and not competent at all on many occasions (mind you i have been calling and emailing for over a year and have started learning some of them by name!)
6. Highly NOT recommend this company ESPECIALLY if you have high AHP and pay cash to get the best deals for your healthcare. Probably go to Samaritan Ministries where we will probably head next. their system is more geared to cash buyers. Medishare is more like regular health insurance and they want you to strictly use their network. Again if you have a low AHP Medishare may work for you. But if you have any problems with anything I HAVE ABSOLUTELY NO CONFIDENCE IN THIS COMPANY TO CORRECT AN ISSUE!
Hope this is helpful to anyone considering Medishare.
I can’t recommend them anymore to any friends. Really sad.

Our family participated in Medi-Share for close to 14 years. The one time that a family member got sick and had to go to the emergency room not to mention the only time we made a claim! The bill was 15,000.00 this was more than we could afford ourselves. So, We made a claim. Our AHP was 8,000.00 so I thought that we would get help for the other 7,000.00. What a joke! They claimed that there were no Medi-Share friendly providers in our area, it took 11 months to get them to tell me they would not pay for any of the bills!! First they only recognized a little over 40% of the charges and then told us that they shared that amount with us for our bills so we would only have to pay the balance of our AHP. I told them that they did not share anything, you just applied what you wanted to our ER bills and that is not sharing. If you think that is sharing there is a better word and it is call steeling. So when they tell you that they have shared of xxxxxxx $$ it could literally be anyone’s guess how much money that they paid out!
DO NOT GO WITH MEDI-STEAL FOR WHEN YOU NEED THEM MOST YOU COULD BE LEFT HOLDING THE BAG!! God have mercy on them……..

Great organization. Big heart for helping people. I personally know many people who have used Medi-Share or even worked there. I attended their Wednesday chapel service on one occasion a few years ago. All of my interactions with them have been a true blessing. Don’t believe what you read. Reach out and meet them for yourselves. I have no words to describe how different this is than the normal corporate workplace.

Medishare operates in not only the last century, but even before that. If you make an electronic payment the system cannot “see” it for 3 to 4 days, according to Medishare phone reps. When you make a payment there is no email confirmation, the “Total Amount” you owe is never reduced, and your payment source is not charged for 3-4 days. Simply put, there is no feedback mechanism to let you know your payment was actually successful. The phone staff is initially pleasant, then all that disappears once you ask them how do you determine if you actually made a payment. The phone wait times are too long and I spoke with 5 different people including a Supervisor. No one cared that their system is antiquated and no one even voiced a concern nor the ability to forward the valid concern that payments are not recognized for 3 to 4 days later. We are leaving Medishare after 11 years, it’s 2022, not 1922—-

I have been a member of Medi-Share since 2009. I’ve had a two night stay at the hospital as well had a baby on Medi-Share. I’ve also had other appointments and ER trips come up, and Medi-Share has paid every bill after I met my annual household portion. I don’t have trouble finding providers in the area, and my doctor and his team enjoy working with Medi-Share as a provider. When I had questions particularly around the two more serious medical events I had, the person answering my call at Medi-Share always showed genuine care and concern, and prayed with me after we navigated my questions. With Medi-Share I feel like I get to live to out Acts 2:44-45 in a practical way for 2022. I recommend Medi-Share all the time to my friends who are looking for more affordable health coverage.

I’ve been with Medishare for over 10 yrs and they’ve covered a 7 day/hospital stay with 3 days in ICU at almost 190k after I paid my house’s portion. I’ve never had any doctors in-network even flinch at our Medishare card when we hand it to them, they ask for my insurance card, I tell them our network is on the back and hand them the card, they make a copy and give it back, never even gotten a question.

The hold times can be rough I’ve learned just top wait and call at non-peak hours and it’s not so bad and got thru pretty quickly. Saves us almost $750 a month over the Blue Cross I had before so a little hold time is worth the trade off, shoot I sat on hold with Bless Cross for over an hour before too come to think of it

I saw someone in a review stated they were getting billed for life insurance from Medishare, that’s kinda funny because I was looking for life insurance so I called them to inquire since they’re cheaper on health care but they said they don’t offer life insurance only short term income loss like an Aflac so too bad

Medi-Share has been great for me and my family! We have been members for nearly six years and when I needed surgery in 2019, every single penny was shared once I met my out-of-pocket. It was so nice to be able to just focus on my recovery and not have to worry about how I was going to pay my bills. To know the community that paid my medical bills was also praying for me is something you will not find anywhere else. I’m so thankful for Medi-Share!

I really would not mess with the other sharing programs. Medishare is the original. I think they have been around since before 2000. I’ve had a couple of times where I wish I didn’t have to wait on the phone, but once connected Ingot the help I needed. I pay to have the $3k deductible because I do not want a big out of pocket. That came in handy last year with an ER visit. All I had to do was pay the remainder of our deductible and that bill was paid, plus everything for the remainder of the year was covered. It’s worth looking into if you need something that doesn’t break the bank.

My wife and I were a little apprehensive about the “sharing system” and if it would meet our medical needs. We decided this past year to enroll with Medi-Share and have nothing but positive things to say about them. We had a number of questions and customer service was on a different level of professionalism in the care they displayed over the phone. As far as Doctors visits/prescriptions go, it has been a much easier process than we expected. We are very pleased so far!

I have been with Medshare for years. True you may have to do a little extra wrk at times, but this is a professional, Christian outfit. I have no real complaints. Bills were paid. Help was there when I needed it. If you don’t have an affordable insurance option, you should look into this.

Medi-Share was a great option for me when I turned 26 and had to transition off of my dad’s insurance. Telehealth is my favorite part! I can save time and money by not having to take time off of work to go to a doctor for little things that I can set up a call with a telehealth doctor for.

Just upon calling for info as a potential new member, I was hung up on for asking about the coverage! LOL is THAT how Christian values are these days? Hilarious. You have to sign a waiver saying you believe in God/practice Christianity (how vague is that???) AND that you don’t abuse drugs/tobacco/alcohol. Not an issue I personally have. So….they don’t support and help the suffering…got it. LMAO. Upon further research, they DON’T cover normal doctor visits, physicals, dental/vision, behavioral….FAHRENHEIT 451 much??? Isn’t mental health sort of the root of it all??? Wow MediShare….please continue the evil/lacking/discriminatory work you do for this planet.

Carley in customer service was such a blessing. After learning about a bad diagnosis, I was worried about how Medishare would work. She was so reassuring and helped me through my entire medical journey. Details aside, I am fully recovered and my bills were paid ($47k), minus my deductible. She was so patient with me, allowed me to call multiple times to have the confidence I needed to go get my procedure. She prayed with me multiple times. So caring and considerate. I’ve never experienced this anywhere else. Thank you, Carley!

Medi Share is a nightmare! After 5 years of payng I had an accident that required medical care. I have been working for MONTHS and still cannot get any help or closure. I will do my best to map out the issues:

1.) They are very clear in stating that they are “not insurance”… the only problem is that they require paperwork from the hospitals / care providers that is insurance comapny paperwork Hospitals and Physicians DO NOT / WILL NOT provide “UB” forms or “HCFA” forms to “self pay” individuals. They will also not work with Medi-Share to give them those forms because “they are not an insurance company”

2.) Without those forms, you are “dead in the water” …
a.) They do not count the already paid bills to your household out of pocket amount / your pseudo-deductible.
b.) They do not want to honor a “request to share” the bill without those forms.

3.) They masquerade as “insurance-like” with their card and proposed billing format, but they actually do not really provide the services. In this way they are deceptive. The transparency of other sharing programs is much higher.

4.) They pretend to be willing to help… but trust me after 100’s of hours on the phone… they DO NOT. I have emailed. I have called. I have mailed forms. I have waited… and then did it al again… nothing.

5.) They cannot and will not contact the hospitals for you… and trust me … HOSPITALS DO NOT WANT TO WORK WITH MEDI-SHARE. Around my town (Greenville, SC) having Medi-share is like having a “scarlet letter” or leprosy in the bible… it will get you shut down real quick.

6.) My injury required a knee surgery.
a.) The only “in network hospital” within 25 miles of me did not have an operating room… and NO SURGEON
b.) The “in network” surgeon they referred me to DID NOT OPERATE ON KNEES
c.) They say you can choose “out of network” for a potential 20% penalty… but YOU WILL NEVER GET THE PROPER FORMS FROM THE HOSPITAL TO INITIATE A REQUEST TO SHARE / etc. ( See numbers 1 and 2 above)

7.) This means you are treated as a “cash paying” / “self pay” patient at the hospital. This feeds into why the hospital doesn’t want to prepare paper work for you, give you more complicated / coded bills and surely doesn’t want to prepare or provide UB forms or HCFA forms with their tax information on it!

8.) Being self pay for an accidet that requires knee surgery means you will be REQUIRED TO PAY 100% OUT OF POCKET / UP FRONT AT MOST HOSPITALS. So… do you want to dish out $96,000.00 for the hospital, $12,000 for the surgeon, $5,300 for Anestesia and $10,000 for PT!?!?!? Even with a 30% discount ngotiated for self pay… you are still at almost $90,000.00 out of pocket. Who has that !?!

9.) Are you really going to dish $90,000.00 out up front trusting that this scam of a company is going to “share the cost” with you the way that they advertise? They won’t even acknowledge the $10,000 you have already paid out of pocket even though you sent in coded receipts, statements, and invoices from the hospital – because they are missing a “UB form”. I am not even asking for any $ and they are unreasonable… imagine when you have gone on the hook for $90k!

10.) The saddest part is that they masquerade as “Christian”. I have been a pastor over 20 years… and it saddens me that this is the charater of a company who flys under the banner of Christ. I was injured 9/1/22… and am still suffering and not able to see care because these people I was trusting since 2017 turned out to be a bunch of bologna!

100% WOULD NOT EVER RECCOMEND OR TRUST THESE PEOPLE. I am convinced the people giving good reviews have never had to actually use the services in a worst case scenario. I have talked with 2 different hospital managers who have since affirmed that this is Medi Share’s mode of operatoin. They both spoke candidly and said that their lack of character and inability to deliver is why they simply will not in anyway work with Medi-Share.

I want to warn as many people as possible so they don’t end up stuck like me.

Medi-Share has always been there for me and my family. Through multiple health care needs, we have had our bills shared, prayer and concern on each call. Quick response times. We have been impressed. Don’t read the fake reviews. Talk to an actual member who has had an experience.

Just what we needed after leaving our jobs and not eligible for Medicare. We (wife and I) save about $700 per month vs. what we could get under Obamacare plans, and we can’t get PPO plans under Obamacare. This more than pays for the routine services we get (annual checkups/bloodwork). We also have enough saved for the rare years we have up to the $10500 out of pocket limits on our plan. We prefer low monthly rates and high deductibles vs. the high monthly rates that cover routine care and low out of pocket. It is a bit harder to get providers to find the coverage in their system, but the PHCS network is very big and it’s rare we can’t find in-network providers. Once the provider and MS are on the same page, the process is very easy… we pay $35 provider fee at visit, the provider submits bill to MS, MS provides an Explanation of Sharing (same as Explanation of Benefits), we match to provider bill and pay net if we haven’t met our deductible. They’ve covered major surgeries, emergency room visits ($200 provider fee), physical therapy, bloodwork, etc. We are very, very happy with MediShare, even though it’s not as well known and does take a little more time to get provider setup correctly. The $$$ we’ve saved over the years we’ve been on MediShare is substantial.

We’ve been with Medi-share for 7 years. Have always had a good experience until the last year or so. Customer Service is TERRIBLE now. Make sure you carve out at least 2 hours to each time you need to contact them. They will continue to pass you through department to department. No one will have an answer for you. They will all review your previous notes, and still accomplish nothing. We have referred multiple families to this company, but will now be leaving it.

Useless garbage. Almost got my mother killed by having a program so incomprehensible she got thrown out of a hospital for “lack of insurance”.

Also doesn’t cover the bare minimum of wellness. And the only doctors in network are the worst possible options that can only get patients by accepting every trash insurance possible.

Better off paying out of pocket than using this garbage fire of a company.

We have had Medishare for over 10 years. They have been so easy to work with! Our provider sends everything to them and even when the amount is applied to our household portion, our provider still provides a huge discount just because we have Medishare (just as they would if we had insurance.) We ended up with two children having appendectomies in one year. Our out-of-pocket for both surgeries combined was under $4000 and for the second one that was done at a Children’s Hospital, we never even received a bill! Medishare took care of all of it. We also love the free Teledoc, which has saved us a ton of time and money, especially on weekends! They have been very helpful and I highly recommend them.

I have faithfully shared since 2017, following the requirements of Medi Share. When it came to actually needing help for my medial bills I was denied. After believing and being told by numerous customer service agents that there shouldn’t be any reason why I wouldn’t be eligible for sharing. After making sure my Doctors and hospital were in the NETWORK. After stating over and over again on numerous phone calls with Medi Share that I wanted to do everything correctly, even to the point of speaking to them several times the day before my surgery and prepared to cancel it if this would not be covered.
The entire time they tell the Dr. office that I can have the procedure. They tell the hospital, yes, she can have the surgery. But when the bills come, they have the right to deny you. Be aware that just because this is a CHRISTIAN ORGANIZATION does not mean they practice Christianity, and are trustworthy at all. They can not GUARANTEE it and if you read their guidelines it basically states that they have the right to deny any medial bills if they simply do not want to pay for them. According to their guidelines I am eligible. I am on my second appeal with them. There is no one that I can talk to to get a straight answer. I am beyond frustrated with Medi Share.

My family has been a member for 8yrs. Lost our bluecross blueshield to Obama. The biggest problem you will find with medishare is the name. When you call and ask if they take medishare, they think its medicaid or medicare. Half the offices we call simply say no and hang up.
The second is the crazy accounting they do with a partner, Credit union. I went round and round with them on this. It’s so misleading. You deposit your monthly payment in the credit union account. Don’t be fooled though. If you deposit more than the monthly amount, it will be taken. You can’t trust the Credit union account to be accurate. I found this out by using the account to deposit more than the monthly payment, just in case I was out of town or something came up. I thought I had 2K dollars in the account only to find out, they take it all and give it to others. It’s not a private account for you. It’s the worlds dumbest Idea for payments. The first thing the medishare account rep will tell you is, ” don’t trust the credit union account balance” Crazy. I’m set up with an insurance company now. Like others have said, they will deny anything they can. My teenager was riding his atv on our property , the atv flipped on him in a creek and since he didn’t have a full face helmet, they denied all coverage . I spent 10’s of thousands on surgeries, hospitals and emergency rooms.

My family and I have been Medi-Share Members for over two years now. We’re really thankful for how much we’re saving each month – over two years that adds-up to a significant amount. Thankfully, we haven’t had any major medical needs that have pushed us over our AHP, but we’ve gotten pretty significant discounts on some diagnostic tests ordered by my doctor (MRIs and CT Scans). It’s been very simple for us, and we’ve been able to see all of our family’s primary doctors without any hassle – it’s been a pretty easy transition for us, from the insurance we used to have through my prior employer. We have several friends who also use Medi-Share, who recommended it to us.

It’s been a pretty smooth experience so far for us, and we really appreciate a lot of what Medi-Share stands for, and we’ve loved seeing the prayer requests that let us know who is being helped in the community.

Honestly, with the limited “fully” operating hours (in Eastern Time only) and all the strict rules to follow, I think most people looking for healthcare alternatives are better off looking for a state run program.
I’ll note here that every situation is different. So if you’re extremely fit and healthy, not pregnant and wont be for a month, and know your way around insurance-like situations then maybe this works for you.
My spouses work insurance only covers him. I don’t receive insurance working part time. We have 2 little kids both under 3 needing quite regular visits.
Most doctors offices don’t know how to handle Medi-Share.
They don’t cover vaccines so you’ll still have to go to the state to make sure your children don’t get Polio or Chickenpox.
Medi-share’s health guidelines gave me the worst body insecurities of my life. If you don’t fit their ideal body weight for you you have to pay an additional $99/ month for a coach (who was useless to me being well educated about how to care for my body) until you can get blood work done to show you don’t have underlying weight related conditions. I was within a year being post partum and trying to let my body take its time recovering from a VERY traumatic birth (last minute flip to footling breech). I was barely overweight, to them, and it turns out my blood pressure and cholesterol were just fine.
Now, I’ve made the switch to state Medicaid. I haven’t had the income to pay my last monthly share with inflation and summer break because I work for local schools. First chance I have, opening hour on a Saturday morning, I try to just get my final payment out of the way. Nope. Online I have no remaining balance. I call to see what is going on, Finance is not open on Saturdays! So now I have to wait for Monday… Hope the money will still be there… gas is $5 a gallon and I can’t stay home.
My advice to you if you’re looking to share medical bills is to LOOK EVERYWHERE ELSE FIRST. Medi-share has never been worth my time or energy, plus all the insurance fraud spam calls I have received since signing up.
They were concerned about my weight when none of my doctors, who I trust, have never said I’m too big and need a lipid panel, even with my family history. They made me hate my body because I was “too big” to pay regular price, even though months prior I had made a very miraculous birth and by body was and is still recovering from trauma.
For my family state Medicaid is a much much better option.

I have been a member with Medi-Share since 2018. I have always been healthy, lived a healthy lifestyle, and had very few medical issues over the years. However, in 2021, our daughter was born with a heart defect that required immediate transport to a children’s hospital followed up by heart surgery at just a few days old. We had so many things to stress about with all the uncertainties surrounding our daughter’s health, the duration of her stay in another state for surgery and monitoring postop, and the unknown cost of all of this. We truly could not be happier with how Medi-Share treated us during this difficult time. They worked with the hospital to sort out all of our bills, kept us informed about what steps we needed to take in the process, and worked with us during the 6 month process. Yes, we ended up paying our large household maximum amount. However, we always know and budget that if something major happens we will have to anticipate that amount.

Things can always be confusing with “insurance” or sharing, so doing some basic research prior in important. A few things to consider include always trying to go to a facility/provider that is in network. So long as you are not in an emergency situation, going to a place “in-network” will be MUCH more cost effective. Second, the deductible or household amount is what you pay BEFORE their coverage kicks in. They will get you discounts and such on bills before that amount is met, but basically my family banks on having to pay the household amount knowing that anything above and beyond that will be covered. Lastly, some places will tell you they don’t accept it because it say “not insurance” on the card. Yet we have found in many cases they do accept it, but they just don’t know how it works. So being able to explain the process and such to doctors offices/hospitals/etc is a good skill to have to make things go quickly/smoothly. We know the care facilities in our area that are in network so we can easily avoid places where there might be some confusion.

Medi-Share might now be for everyone depending on what you might have available through work, your lifestyle, health conditions, size of your family, but for us we have been very happy! They have taken care of us and we actually received quite a bit of feedback from healthcare facilities about how easy Medi-Share is to get in touch with and to work with.

We were lead to believe we had maternity coverage. With 2 weeks left we were told we aren’t covered and have to pay full costs out of pocket. After long discussions we were pretty much told that’s just too bad. We reached out to Samaritan ministries and told them the issue and we want to switch to them. Samaritan told us while that can’t cover maternity they would try to get the members help to help out with the cost. My brother who works insurance spoke with medishare with us present and said he can’t believe they operate the way they do and he’s certain they are scamming the members out of thousands in the name of Christian non profit. Medishare is a hellish company to deal with.

My wife & I are honestly very saddened having used medi-share for her and our firstborn son. We never received the physical member cards, pediatrician visits were extremely complex because of trying to use medi-share, and most of all we felt saddened that it felt clear this openly Christian health sharing plan left such a terrible impression on the doctors we visited. We went to two pediatricians using medi-share, both in network, and the second doctor in particular talked about how she counseled another family away from medishare because it was going to cost them so much more money and make their lives more difficult, and honestly what she said has rung true since we have found insurance through New York state where we live that will cost us less than 20% as much with far more coverage. We ended up paying for both appointments up front and it took less effort to switch away from medishare than to go through the reimbursement process. To us medi-share felt like an example of something that looks good on the outside, but inside was either intentionally or unintentionally misleading. We hope to share God’s love everywhere we go, including the doctor, and using medi-share actually felt like an obstacle to that because it caused them so much trouble and their experiences were so negative with medi-share claiming to have discounted rates they didn’t have and families bearing the burden of the shortfalls.
The employees are very nice and the prayers were appreciated, but to paraphrase Jesus in Matthew 23:23, they may have Bible verses on their website, but they seem to neglect the weightier things a Christian medical bill sharing ministry should do. Praying for them, and for the sake of others and those a part of medi-share, hoping for some pretty dramatic change.

I switched to Medi-Share in January because our secondary insurance was getting so expensive and Medi-Share said they were just as good as my previous supplement and performed the same way. My Neurologist contacted me after contacting the Drug Company for my infusion and said Medi-share was a coupon company not an insurance company and the drug supplier for my infusion drug did not recognize them. I contacted Medi-Share about the infusion drug my Neurologist is needing to do on me to get me well and they said it was not covered. Do not switch to Medi-Share they are not truthful and will put you into poverty if you have an unexpected serious illness. I have been healthy all my life.

Medishare does not cover services due to mental health (despite their ads of counseling services). They do not cover preexisting conditions as well. Had a representative yell over the phone saying they will never cover medications related to preexisting conditions. They label customers with preexisting conditions as “needy meds.” What a stigmatizing label when majority of Americans rely on antidepressants. Will definitely change my insurance when better plans become available.

WARNING

Get your coverage from somewhere else. This company is just short of a sham! They take your money but give the BIGGEST RUN AROUND when it comes time to pay medical bills.

Customer service is clueless and it is impossible to talk to the same person to streamline a case.
Organization there is ridiculous. I have been lied to several times and feel as if they are intentionally not paying to avoid a covered claim. Frustration does not even describe how I feel after hours on hold and then for them to ask at the end of a useless call “is there anything I can pray about for you?” Really!

Put your money elsewhere. This company doesn’t share, only takes.

I can not say enough good!! Medi-Share came through at the last minute when the hospital (that was in network) said they would not take Medi-Share the day before surgery. I also feel loved and cared for each time I call. As they end each call with a caring and Holy Spirit filled prayer! I could not be happier! They are truly bringing God Glory through this ministry!

Medishare is a nightmare to work with. The one benefit was going to be automatic billing, but they do not process bills correctly or in a timely manner, anything that doesn’t get directly billed with them is a nightmare, and apparently billing directly is also a nightmare, as our providers keep dropping them. I can’t count how many hours i’ve spent on the phone trying to resolve issues, and cannot get to anyone who can answer my questions, or tell me correctly what I have to do (because it always ends up being me doing it) to get things straightened out. They are always kind, and offer to pray, but the pressing need, the thing I am paying for, is what they really fail at.

We’ve been members of Medi-Share for a long time. My husband is self employed. We used to have Blue Cross / Blue Shield. It was getting so expensive. If one is used to having low co-pays and one’s company partially paying the healthcare premium, then maybe a health share program is not for you, but for us it has been great. We pay lower “premiums” (our share) with Medishare now and our major medical events have been shared. The only downside is that there are a few things I think should be shared that are not like vaccinations, well checks, and yearly female exams along with mammograms. However, these points do not outweigh what has been good about the program. For those services, the cost is negotiated with their preferred provider.

My daughter had a surgery, I had a surgery, my husband had a surgery with Medi-Share. Additionally, I had the “very-hard- to- get- approved -by -traditional -insurance” procedure of Ivig treatments to treat neuropathy after my major back surgery- all approved by Medi-Share! My neurologist was shocked. At any rate-maybe it’s not for all situations but for us it has worked out great. For the situations that are not able to be shared we pay out of pocket the negotiated rate or we use the health dept for our area for vaccines.

As a Christian and a physician I hate to leave a “Christian” organization a bad review but nonetheless they deserve it. First off, THEY have to decide if you’re a Christian. Second, they decide if your illness is sin related and with no hard facts, they will deny coverage. If your family is covered and child falls into drug use, they won’t cover any help for him. If you have a vaginal infection, they will determine that is must be an STD, so sorry, not covered.

Not impressed. Try and get someone to talk to or help you. Good Luck. Notice that it was decided that a Well Health Annual Physical would be covered. Good Luck. It cost me almost $400 out of pocket for a Good Health Physical. At $9,000 deductible and $450 a month premium comes to $14,400 per year. I can fly to Mexico, Columbia or Thailand see a doctor, go to the hospital and probably have $10,000 left over for a great vacation. Think twice before joining Medi-Share. If you can use a phone and still have your wits, you can do better.

In 2020 my husband lost his job and along with that, our family’s health insurance. I researched our options and we chose MediShare. For a health share “newbie”, Medi Share felt the most like what I was use to with traditional insurance. I liked having a card to present, and that Medi Share handled the negotiations to lower our bill. What set them apart and sealed the deal for me, was the tele doc service that is available to all members of our family at all times. It is so easy to make an appointment and have a script sent to our local pharmacy, without leaving our home. After my husband found employment again that offered health insurance, we decided that MediShare made the most sense for our family to keep. We are thankful that bills turn into blessings when we send in our monthly share. Thank you MediShare.

I’d give it zero stars if I could. Not only did they not help out at all with my husband’s $8000 surgery bill (he paid almost $300/month to have MediShare) but they also, unbeknownst to him, signed him up for a term life insurance policy that was $66/mo and will bill up to $3000 a month years from now!!!! He had no idea and noticed on a bank statement that they have been withdrawing money for years even though he canceled the MediShare plan. He owns a small business and has multiple insurances on equipment and employees so it took a while to notice their scam. Stay clear!!!!

Leaving Medi Share. Been a member for 3 years. I was in an accident that required surgery. The paperwork was ridiculous that you have to fill out to be approved. Literally 20 phone calls and finally got approved. Then they don’t pay the bill but negotiate it down to what they can, you pay the rest. Run from this organization as fast as you can. They confuse you with phone tag from different team members that say and need different information and in the end you will be stuck with the bill. Do yourself a favor and get real insurance!!!

This service is meant for young healthy individuals. If you have virtually ANY pre-existing condition, even if it has been stable on medication for 10 years or more, future treatment will be considered ineligible for “sharing” unless you have been a paying subscriber for 36-60 months. Their guidelines for what is determined to be a pre-existing condition are highly misleading which was confirmed by a “lead” representative when I asked for clarification.
I would highly discourage this option for health care cost sharing unless you are a young healthy person or one of the few people age 60-65 lucky enough to have excellent health. I was in the healthcare industry for 40+ years so I am well versed in this field. They are nice on the phone but the program is very misleading and deceptive.

This business is not an insurance company so they are not regulated under the umbrella that other insurance companies are so if you have a complaint, you are on your own. There are no insurance commissioners to advocate for you with your grievance against them.

My experience with this company was NOT Good!! They operated under the guise of Christian values but they are an evil company, my opinion.

I had been on time with all my monthly payments to them and when I went to the doctor I found out I had hypertension and was put on medication. I submitted this claim to them and they denied it stating that it was a precondition. My policy was the cheaper monthly rate which stated that I have a $12000. Yearly deductible. So I would never meet that deductible unless there was a catastrophic health event.

So disappointed with this company.

Buyer beware!

My family has been Medishare members for 9 years, and I just canceled our membership today. I should have done it years ago.

As long as you have no medical problems and don’t submit for reimbursement, they’re great. Customer service is always very friendly (but expect to be put on hold quite a bit when you call) and they pray with you at the end of every call.

Unfortunately, as soon as you need to actually get reimbursement for a medical bill everything falls apart. We were warned–some friends of ours suffered a miscarriage and were given a complete run-around so that Medishare didn’t have to reimburse any of their bills, but we naively assumed that our friends must have done something wrong , since submitting for reimbursement can be complicated. A couple years later, however, we had my daughter using a midwife. When we submitted for reimbursement, Medishare withheld $1,000 because they didn’t like some of the medical codes on the bill. (Midwifery care doesn’t always play well with the medical billing codes, but one of the reasons we stuck with Medishare is that it was supposed to be homebirth-friendly.) No problem, we told our midwife and she changed the code and re-sent the bill. Then dead silence ensued, with absolutely no follow-up from Medishare. Life got crazy and we periodically tried to follow up with Medishare about the missing reimbursement and were always endlessly transferred to unhelpful people or ignored. My daughter is now 4.5, and I called them this week to try and finally get answers. I was told that the “reasonable bill reimbursement” window of 12 months had long since elapsed and there was no longer anything they could do for me, in spite of the fact that we had done everything within that window and they were the ones no communicating with us. I canceled our membership since my husband can get insurance through his work, and they insisted on billing me for an extra month because “it takes 15 days to process a cancellation.”

Unfortunately Medishare is just one more “Christian” organization using that descriptor to attract unwary clients and strip them of as much money as possible. I regret that it took me almost 10 years to realize this.

The concept is good but as a physician, I would discourage anyone from using this. Medi Share determines what they will cover based on whether they believe you are living a perfect sin-free life. So, your child gets addicted to drugs? Too bad, he sinned and therefore his treatment isn’t covered.

Our family has not had a good experience with MediShare. My husband and I have been members for 3 years and have found their process to be very confusing. If you don’t have any medical bills/needs, I’m sure they’re fine. Not only are they hard to get a hold of, their responses to questions about submitting bills are not always consistent. In my experience they are even more of a headache to deal with than real health insurance. I had a baby 4 months ago and I am still not clear on what I need to submit in order for the bill to count. They claim that maternity bills are 100% shareable but I have not found that to be so. Also FYI routine care such as vaccines are not eligible for sharing. I have been back and forth with them for months now trying to get my $2600 maternity bill submitted from my homebirth to no avail. They claim they aren’t insurance, yet they tell me that my midwife needs to fill out insurance forms for the bill to count. She does not work with health insurance as all of her clients are cash based, mostly Mennonite and Amish, which you would think would be the exact type of situation where a Christian health sharing ministry would come into play, but nope. I have continually been given the runaround. I’m certain it is because we will have met our annual portion and should be eligible for reimbursement since they claim maternity care is 100% covered. Once I had the option to pay a lab bill out of pocket and it cost $80 less than submitting through MediShare and then only 1/3 of the bill would have counted towards my annual household portion. It does not make sense! Thank goodness my husbands new employer is providing health insurance so we will be cancelling our policy.

My first birth with Medishare went well… they covered everything after we met our Annual Household Portion and I recommended it to all my friends.

With my second birth, I got screwed. It’s super confusing to know which bills have been paid and which still need to be paid. I kept trying to talk to them on the phone to figure out the maternity/birth bills, but it’s impossible to get a hold of them (always waited on hold for hours only to be disconnected and kept missing their call backs).

After my OB-GYN bills got sent to collections, I found out my birth wasn’t covered by Medishare even though we had met our $5k annual household portion that year and had been paying monthly dues.

The billing lady said there was nothing she could do because I didn’t fill out their maternity questionnaire or speak to a maternity specialist on the phone. She had record of an email I sent to let them know I was pregnant. But they technically didn’t know my due date and therefore couldn’t cover my birth-related bills… how does that make any sense??? Sounds like a way to get out of paying their bills. So even after years of paying Medishare every month, I had to pay for my birth out of pocket. And since too much time had gone by, I couldn’t get around collections or apply for financial assistance with the clinic.

The best part was that the billing lady asked to pray for me at the end of our phone call and prayed that collections or the clinic would lower my bill and help me out, even though Medishare is responsible for paying it. I won’t be using them anymore.

If they want to pay a claim, they will and will do an over-the-top great job doing that. But if they don’t want to pay a claim, expect 6-9 months of going round and round with them.

My first experience with this was an out-of-network ER visit. Yes, the bill was outrageous. But it wasn’t until the hospital sent me into collections because they did not want to deal with Medishare’s “negotiators” that they paid the 80%. And the grand irony was that I went to the ER at the emphatic insistence of Medishare’s telemedicine service.

Then I had a physical therapy bill with $3,807.57 in charges, and I negotiated down their billing rate to $984 and applied for Medishare to pay the 80% for out-of-network care as is their policy. They delayed over 9 months to even look at the claim. Despite multiple calls I had with them, even while care was delivered, they assured me that Medishare would reimburse me the 80% for a out-of network provider.

It is interesting to me that Medishare went to great lengths to negotiate a great rate for major surgery for me, BUT won’t pay 20% of the physical therapist’s usual, reasonable and customary rate because they didn’t like the FORMAT of the bill. Sorry y’all, nothing Christian about that.

SO, if Medishare, which is NOT insurance as they say, has these ways of behaving like an insurance company, then they ARE in fact insurance, and trust in the Christian character of their customers to not complain. The only difference in Medishare and insurance is that, on the whole, you don’t end your calls with them in an angry rage because the call agent doesn’t care. Their people do genuinely care, but are limited by policies and procedures that are designed for the customer to just give up like I did.

Dear Medishare, if you can’t honor your word, then you have failed at your mission of “Transforming Society Through the Biblical Model of Sharing”.

I joined Medi-share feeling they are Christians and will care about me and my health. I was very disappointed. I paid for this for years and got nothing out of it. I sent in receipts and they were all rejected no matter what I did. I filled out forms on their site and sent in itemized receipts and no matter what I did they were all rejected. I paid a lot of money monthly for this and had a $10,000 deductible. I would have been better off not to have paid them a dime. Their goal is not to help you at all and to just keep your money.

DONT SIGN UP!!! Medishare is a complete SCAM. I have been in process for reimbursement for over a year!! Nearly 3k. I call all the time to check on status updates and am told they need more forms or it’s in process and will be another 30 days. Medishare claims to be a Christian company but how they treat their customers says otherwise. This has been the most difficult and stressful health share to work with. I need this money back and because they won’t I have bills I cannot pay going into collection. I’ll be leaving medishare ASAP.

Don’t do it. It has been a disaster for us. Unpaid emergency bills problems getting reimbursed extra paperwork that they are unresponsive to. They are supper nice on the phone, but super nice doesn’t pay the bills. One other thing is every month they ask for “extra blessings” that I always payed. But when it came time for me to be shown grace in bills they actually owed…Nope. They even called Allina to get what they needed and were unsuccessful. And then said too much time has passed for them to pay me.

We used to be among the Medishare promoters. But it’s gotten bad (really bad) since we became members six years ago. Our monthly share went up more than 50% in 2020-21. Medishare reps explained that the increase would help cover wellness visits and tests. We confirmed this once again before each visit, but did not expect the deception until we received bills for wellness visits and basic blood work that we were told would be covered (shared). The explanation from every rep, including finance department, is an obvious script:
“Wellness visits and tests ARE eligible for sharing … once you’ve met your annual household portion of $8,000-$12,000.”
So, in other words, you don’t help with any kind of medical need (including a knee tap or a look down the throat all the way up to a heart procedure) until a Member has spent $12,000 on top of the $500-$900 per month we send you?
Long pause.
“Those types of visits ARE eligible for sharing … once you’ve met your annual household portion of $8,000-$12,000.”
No matter how you look at it, this is deceptive. We’ve even had reps quietly agree that the Medishare system isn’t right anymore.
So, to the Medishare apologists … stop trying to shut down people who are expressing truth about how this all works, or doesn’t work. There’s truth, and there’s deception. They aren’t the same.

We were members for a year. Luckily we never needed to use it and get reimbursed. Everyone I know who is a member can’t get reimbursed. We switched to a fully covered hmo Kaiser plan with no copay and no deductibles and we are paying the same as we were paying to medi-share for almost no coverage. It took 32 minutes on the phone to get them to cancel. I had tried multiple times to cancel but couldn’t get through. When finally got through I was told I couldn’t cancel without 15 days notice. This company is quite the scam.

Christian company? Sure… If you count getting the runaround and a different story every time you call ‘Christian’. After seeing how this company paid every dime for my dads multiple heart surgeries I decided to stick with them once I was too old to be on my parents insurance. Fast forward seven years and I have my first child. They again pay for everything. Two years later and I’m pregnant with my second child. Because of both a previous bad experience at the hospital and the fact that said hospital was further away, I decided to switch doctors/hospital. Christian Care Medi-Share told me the hospital was out of network and that the hospital might charge me some out of pocket. The person I talked with also told me I could submit a penalty waiver since the hospital was out of network and because there was no hospital in-network near me. A month before my due date I called back to make sure I would be covered and they assured me that even though the hospital was out of network that I would be fine since it was the closest hospital to me. I proceeded with the delivery and ended up having an emergency C-section. A month after delivery I was shocked to receive a bill from the hospital for $27K. I immediately contacted Christian Care Medi-Share and was told that they would start a dispute and to not worry. I then got another notification a month later from the hospital saying I needed to pay that bill and when I called Christian Care Medi-Share back I was informed that “they don’t do disputes with this hospital”. I asked about the penalty waiver and the supervisor told me that they would start that process and that while it wasn’t a guarantee it would most likely be paid since the hospital was the closest to me. He told me to give it a month. A month later I called back because I had heard nothing and was told it was because I didn’t submit the bill (the bill was submitted two months before!). Once they figured that out I was told to wait another two weeks. I called back after the two weeks only to be told that the request had been closed (they never notified me!). I asked to speak with a supervisor and was told that the first supervisor I had talked with was wrong because they do not give any penalty waivers if any of their customers use that hospital. If I had driven farther to another hospital I could’ve gotten the waiver. So even though I had multiple employees tell me I could get the waiver, Christian Care Medi-Share won’t honor their word. I would’ve found a new doctor/hospital if I had just been told the truth. I don’t know if Christian care Medi-share just doesn’t train their employees, makes up rules as the please, or what, but I wouldn’t call them Christian. After 21 years of supporting them I’m leaving. I can’t support a company that claims to be Christian and yet lies so easily.

Medi-share is a complete scam! And yes, I fully understand how a health sharing plan works. We have had it for several years and it has been nothing but a mess. They will find any excuse to not cover anything. We now owe thousands to our local hospital for 2 surgeries they are unwilling to help pay for. And their monthly rates have become so high that the market place plans are the same or cheaper, with much better coverage. This company gives Christians a bad name.

Look at their overall review, its a 1.9. That speaks for itself. Medi-share and the Christian Care Ministries should be shut down for being fraudulent and false advertising. They do NOT save you money overall because they deny paying/sharing in your medical costs. Unless, you decide to leave for an actual insurance carrier then they suddenly want to help you. However, its too little, too late and over a year later, they STILL have not “shared” in paying for my medical expenses. They should be ashamed to call themselves “Christians” and are a prime example of why Christians have a bad name in todays society. They also block your comments on facebook and other places to not allow you to give them the negative comments and reviews that they deserve! They do not even deserve 1 star on a review!!!

I started with Medi-share(CCM) at the beginning of 2021, and just quit this November, my experience in CCM has been a nightmare!
If I had found here (more than 120 people’s reviews) early, I wouldn’t choose to start at all, but there have been so many CCM fake “member reviews” everywhere on the internet, this website is not easy to find under overwhelming CCM Ads.
I experienced the most terrible services in Medi-share, to be honest, they are worse than any other insurance! They create many problems for you to solve rather than bringing any discount for your medical bills, that is definitely sarcastic! Medi-share claims bringing discounts for members is a lie!
Here is one example: I visited an in-network doctor in the past October, the clinic told me the total cost that day was $195, I only paid $35 and the bill to be sent to Medi-share to precess. About two weeks later, I received the electrical bill from Medi-share which asks the total cost that day was $490 and minus $190 PHCS discount, my responsibility is $300. (very shocking! the bill doubled its price after Medi-share ) After many hours of effort/waiting, I finally reached to Medi-share billing office, I was told that Medi-share has no control of what number each provider sends in, if I think the number is wrong, I need to go to the provider to fix the problem.
Medi-share’s in-network providers don’t have discount at all! you actually ended up be charged more using Medi-share (PHCS).

I started with Medi-share(CCM) at the beginning of 2021, and just quit this November, my experience in CCM has been a nightmare!
If I had found here (more than 120 people’s reviews) early, I wouldn’t choose to start at all, but there have been so many CCM fake “member reviews” everywhere on the internet, this website is not easy to find under overwhelming CCM Ads.
I experienced the most terrible services in Medi-share, to be honest, they are worse than any other insurance! They create many problems for you to solve rather than bringing any discount for your medical bills, that is definitely sarcastic! Medi-share claims bringing discounts for members is a lie!
Here is one example: I visited an in-network doctor in the past October, the clinic told me the total cost that day was $195, I only paid $35 and the bill to be sent to Medi-share to precess. About two weeks later, I received the electrical bill from Medi-share which asks the total cost that day was $490 and minus $190 PHCS discount, my responsibility is $300. (very shocking! the bill doubled its price after Medi-share ) After many hours of effort/waiting, I finally reached to Medi-share billing office, I was told that Medi-share has no control of what number each provider sends in, if I think the number is wrong, I need to go to the provider to fix the problem.
Medi-share’s in-network providers don’t have discount at all! you actually ended up be charged more using Medi-share (PHCS).

This company has turned into a big disappointment. Somewhere, for some reason, they quit sending monthly premium invoices, but everything else continued—including the spam. I lost track, but took the time to create a user name and password to access the only information one can get about what is owed. It showed Zero due, and my account balance at about double my monthly payment, so I figured we must have switched to quarterly. Then I get a letter telling me I’ve been dropped for non payment. Bizarre and maddening because it also put a black mark on my credit. Terrible company, switched to Christian healthcare ministries.

Horrible experience with Medi-share. My son and husband have same first name-one a Jr. and one the III. They put his share into dads account and vice versa. Communication is horrible. They definitely will move your soul, but in a bad way. We quit today and what a great feeling it is.

I have been with Medi-share since 11/19. I have come to the conclusion that it is a scam. I pay $650 per month, since then, and have received nothing. When I have called for customer service, I get a run-around. They are very unhelpful, and they use circular talk to bend the rules so they don’t have to pay (or share) anything. Very un-Christian behavior! I would not recommend them.

Should be a Zero review. Medishare looks for every possible excuse not to cover high-cost medical needs. They play games and make it impossible to get in touch with them to start appeals if they read your medical records incorrectly. They state that you can use their online chat since their phone wait times are so extensive (you practically have to take 3 hours off of work to speak with someone and even then they will use excuses of their system being down, etc). You are unable to use their “convenient online chat” to discuss medical bill status. We are self-employed Christians who were seeking affordable health insurance. We read good reviews about Medishare and decided to join. Our family is pretty healthy. Our concern with this plan arose from our 21 year old son suffering an injury to his nose in which he perforated his nasal septum. He needed surgery to repair the hole in between his nostrils (every time he breathed in his nose whistled). I called them prior to the surgery and gave them the surgical diagnoses and CPT codes. Our surgeon and hospital were on their list of approved providers. Medishare stated that “it looks like everything should be fine but we will not know the final outcome of coverage until the surgery is complete and everything is filed.” Three months after the surgery, we received a $13,000 bill from the providers stating that Medishare denied our medical bill. I called Medishare immediately to discuss this matter. After being on hold for 30 minutes and then transferred to yet another extension with its 20 minute wait, a representative took my information and said that they would open an appeal. Medishare told me that our sons medical history records reflect a statement in his chart that he has a deviated septum as of 2020. This was incorrect and Medishare read the records wrong. Immediately following his surgery, Medishare obtained previous records from 3 of our sons providers to make sure that this perforation was not a preexisting condition. Our son had a deviated septum repaired in 2018 and his surgeon stated that at the time of surgery, his septum was straight and that this injury was in no way related to his history of the deviated septum repair. My surgeon sent notes regarding this to Medishare plus we accessed his records from the other 2 providers and in no place was it stated that our son had a deviated septum in 2020.
I called to check on the progress of the appeal, and after a 45 minute wait, I was told that their system was down that day and that they could not discuss this issue. I was also told that an appeal was not opened up and that we would have to call back. There is no option to fax or mail. You strictly have to speak with someone. I had already dedicated approximately 6 hours of my time trying to get this fixed (by the time I made phone calls to Medishare with their long wait times, calling the providers, calling the hospital, looking over all of his prior medical records, sending faxes, etc). I just stopped. They have no plans to help us at this point.
This plan is fine if you don’t need surgery or you don’t get in to an accident. You might end up with a $500,000 ICU bill if you are in a car accident because Medishare will find some loophole to deny payment. Shame on them for calling themselves Christians. They take advantage of Christians.

I am very disappointed with Medishare. We were members for over five years. Over that time, they paid about $200 total for any healthcare were submitted. If would submit from an out of network provider, the claim never even got processed. I am a health care provider and I know how to submit claims. When I tried to cancel, they conveniently claim they have no record of the call even though I had proof of the call in my phone records. They autodrafted the next month payment and refused to refund. I feel this is run more like a scam and even when I told them I had obtained different coverage, they continued to try to sell me more on their program. The only reason we kept it so long was to avoid tax penalties since my husband and I are both self employed. Be cautious when you try to cancel, they will treat you just as any monthly membership scam where they will do anything to keep that monthly EFT going.

Our family has been members of Christian Care Medi-Share for over 20 years. We have been very satisfied! Through cancer, surgeries, and sickness, Christian Care has been there to answer questions, pray with us, guide us in healthy living, and pay our bills in a very timely manner. The staff are kind and eager to help. I highly recommend this company for your healthcare needs!

I have been with Christian Care Medishare since 1996. Sure, there were adjustments to how it works, but I have gone through cancer – two surgeries, radiation, chemo – and they took very good care of me through it all. I am very thankful for them and what it has meant to our family for many years.

I’ve been mostly fine with CCM. I find myself having to do a bit of back and forth between CCM and the care provider. I’m not always sure if this is a communication error of some sort on behalf of CCM or the provider (the common denominator is CCM), or if it’s just the nature of sharing programs being a little different than normal insurance, and so things get messed up in the providers’ usual systems and processes. The monthly payments are very irregular and can be complicated to keep up with. Since i don’t pay all my bills manually every month (does anyone have time to do that?) I ended up needing to set up an auto-draft with them, which they now finally have, so I don’t have the change the payment every month by a dollar here and five dollars there. It makes it minutely complicated to budget with a fluctuating bill.

One of the biggest selling points for me is that they include midwifery care in their shareable costs, so I was able to request my midwife be added to my network. However, it was a royal pain to facilitate it — since it’s so much work for a midwife’s small staff, patients pay up front and have to get reimbursed later, which left me facilitating that by myself, with no billing experience, and a newborn to care for. Very stressful, but at least the option to use the midwife was there (many insurance providers don’t cover it) and since I had an emergency C-section, the costs incurred for that were also included in what was shared by CCM.

The only thing Medi-Share did for us was to free us from paying taxes for not having normal health insurance when we could not afford it and our employers did not provide it. Also, due to my own negligence I did not cancel in time to stop the next months payment from being withdrawn. I sent an email to customer service asking for mercy regarding this since I did not require it do to my wife’s insurance kicking in on a new job. I NEVER heard back and my email was completely ignored. They appear to talk the talk but do not walk the walk. In the three years we used them they provided absolutely no health benefits whatsoever monetarily. They are others out there doing it better that I wish I had know about.

Absolutely awful!!!! They get you in then you hear nothing. Then you get a bill for twice what you thought you were going to pay. Try and call them good luck you will be on the phone for days! Christian my you know what I’d say it’s close to a scam!

Do NOT USE THEM for insurance. They leave you to figure out your bills. I’ve been going back and forth with them and collections over a bill that they were supposed to pay but have drug their feet on. Monthly share amount was increased every 6-12 months because of my “demographic”…even though I’m healthy and fit. This company is a joke and give Christianity a bad name.

We have experienced fast and professional service when we required assistance with medical claims. They covered everything as promised and paid our claims quickly. We have not exceeded our share in two years so we have not needed any support.

Added benefit not mentioned:
Since we are 100% out if pocket for our initial share, and Medishare isn’t insurance, we are often (almost always) able to get a self-pay price which is significantly lower than the insurance billed rate.

The member restrictions aren’t as onerous as implied on this review. We do regularly attend church but no one has ever checked up on that and the other limitations reasonably support personal responsibility and moral living.

I have been a member of Medi-Share since Dec 2016 for my family of 7. I have never had any problems with Medi-Share at all. All my doctors accept it because there is a PPO card and a $35 co-pay. Also, the free 24/7 tele-doc is a life saver!! I can’t speak for anyone else, but I’m very surprised to see some of these poor reviews. Maybe it’s because most people don’t really understand how it works… To date, they have done everything they said they would do, they pray for us every time we have called them which is AMAZING, and They have also shared for my medical bills once my AHP (deductible) was met. We love Medi-Share!!

I have been a part of MS for almost 5 years. It has been a great experience for me. It truly works like any other true individual health insurance…meaning you pay all your bills at the network rate until you have met/paid your portion/annual deductible (at a lower cost than traditional insurance). Then MS begins to pay all eligible bills at 100% directly to your provider. No company is perfect but I have found MS to be far better than any other healthcare I have ever had in this new Obamacare era. Looks to me like the complaints in the bad reviews are things that if the Guidelines were read and the member did their part in educating themselves prior to signing up; they would have known what to expect.

I have been a part of MS for almost 5 years. It has been a great experience for me. It truly works like any other true individual health insurance…meaning you pay all your bills at the network rate until you have met/paid your portion/annual deductible (at a lower cost than traditional insurance). Then MS begins to pay all eligible bills at 100% directly to your provider. No company is perfect but I have found MS to be far better than any other healthcare I have ever had in this new Obamacare era. Looks to me like the complaints in the bad reviews are things that if the Guidelines were read and the member did their part in educating themselves prior to signing up; they would have known what to expect.

They have the worst cutomer service. They leave you on hold or loose you or hangs up on you. My wife had an emergency and her blood presure spiked to 190 over 110 and went to the emergency room. They told us we needed 3 years history, we could not provide it because she had nit beenbtreated for hypertension before. They denied her claim. What ever you do do not choose medi share what they want is customers who pays premiums for years without claims

Medishare plays games to avoid paying there share. I am stuck in collections for $1600 when I hit my deductible( annual household sharing) and shouldn’t have to pay anything. After spending months calling the hospital and medishare about this, they have not resolved this. What they do is not provide accurate EOS (EOBs) to the provider / hospital. Then the provider bills you. When calling medishare, they say the reason for denial is that the Dx codes aren’t specific. But since the EOB (EOS) doesn’t state this, the provider bills you. They will not contact provider and tell them what they need to do to fix the Claim. They know this will keep the claim from ever being fixed by the provider. Now I’m told this has passed timely filing. it’s their fault it never got resolved. What’s also disappointing is that as a Christian, this “Christian” company is using the same shady tactics that a regular insurance company does. How sad.

I have been a member of Medi-Share for several years and have had no issues with Medi-Share at all. I cannot speak for everyone’s experience but I am surprised to see all of the poor reviews, at it has worked as advertised for me. They have also shared in my expenses once my AHP has been met. So far, so good.

I’ve had the absolute worst experiences with Medi-Share. You’ll find out pretty quickly the customer service is only bad because you’re never talking to anyone that makes an actual decision. Every rep I’ve ever spoken to always has to “send off” the case or issue to someone else and you’re never allowed to speak with that person; even “supervisors” don’t have a say in decisions. I honestly feel terrible for them because they seem like genuinely nice people but are asked to go on the front line with zero weapons… So for the issues: in the past 4 months (after we asked MS to stop automatically withdrawing our monthly share) they have withdrawn twice from our bank account. I’ve had to now go to our bank and tell them not to allow this company to withdraw anymore. Our share is not a small amount and both times it took them 10+ days to refund the “accidental” withdraw; I don’t put accidental in quotes to seem like they’re doing it on purpose just to show the complete incompetence this ministry has. They also denied a shoulder surgery after finding one sentence in a mound of paperwork that made it seem “pre existing” and then refused to put anyone on the phone that could actually justify why.

I get it, it’s cheaper and a “ministry” but please do not put yourself through the trouble. There are so many families switching right now just read the reviews and make sure if you ask someone their opinion they’ve actually had injuries and had to deal with the non healthy person side of this company…

Please, beware before signing up for Medishare. I loved the idea behind it, a Christian community coming together to share expenses instead of big health insurance companies. However, they don’t cover anything. You will still be billed for appointments, in addition to your monthly payment. I was enrolled in MediShare for less than a year, and it has been a nightmare. They do not tell you up front that you will be enrolled in their “health” program if you do not meet their requirements for 5 specific areas: weight, waist, blood pressure, cholesterol, triglycerides. If you do not meet these requirements, you are automatically enrolled in their “health partnership” program and it’s an extra $100 per month. That should have been my first red flag, but I enrolled anyway. Also, they state that you get discounted dental/vision. I scheduled a dentist appt at an approved location, and when I arrived for my appt, I was told that it would not be covered by medishare. I paid OOP. Additionally, when I went to get an eye exam, it was the same thing. We tried to call Medishare, and nobody ever answered. We gave up after half an hour. It is impossible to get anyone on the phone, ever. Several times during the year I called, and there was never an answer. I was paying $218 a month, and nothing was covered. I had a telehealth dr. visit and I had to pay over $200 for a 10 minute appt over the phone. The plan I was enrolled in was supposed to cover a yearly physical and blood work, and I just received a bill from my provider for over $200. Medishare only covered $100. I also got a letter stating that in order to maybe cover the cost of the lab work, they will have to review my medical files. So I might be getting a bill for that too. It would have been much better to just pay out of pocket. The final straw was when I went to cancel. I was on the phone for 45 minutes and could not get anyone to answer. I finally called the enrollment number, and of course someone answered right away! I explained that I needed to cancel, and was told that they could not help me, and I was again transfered and had to wait again. Please, if you are considering joining, don’t. It is a headache, and you will be paying many expenses.

Last summer we wrote a review that our monthly share had increased 22% in one month — despite the fact CCM claimed the average increase was 7-10%. Just eight months after the 22% increase, our monthly share increased again by 32%. Just like that. Two enormous hikes in less than a year. Our total increase from June to February was 60%. For any doubters, do the math and correct me if I’m wrong … $552 in May 2020 to $674 in June 2020 to $883 in Feb 2021. And to repeat what I said here last summer: we’ve had no claims in more than five years. Worse, no explanation for the hike, except one: shares are higher if you live in Florida. Really? So … if my family lived in Idaho and we all had medical conditions that sent us into the hospital on a regular basis … we’d pay less? Because we live outside Florida? Help me with that.

Yes, shame on me for complaining again instead of changing to a different organization.

They don’t process bills within their own given timeline of a (ridiculous) 120 days. They do not reimburse in a timely manner. Customer service reads from a script and doesn’t have any information besides “please keep waiting.”

Worst decision I’ve ever made to join them. Initially it was around $385 a month and after three years I’m over $600 a month. I had a baby eight months ago and they still have not processed the medical bill from the midwife. In addition to that, Christian Care had someone reach out to me to try to get me to go on pregnancy Medicaid and keep them as a secondary, so they didn’t have to cover the birth of my last child.

As soon as my household portion is about to renew, I will be canceling and looking at Samaritan ministries.

My family has been with Medi-Share for over 8 years.

At first, it was very affordable, and the customer service accessible. The ministry has rolled out (with member approval) additional benefits over the past number of years that have contributed to our Annual Household Portion (AHP, I.e., deductible) increasing over 30%, while our monthly share amount (I.e. premium) has tripled. We understand, healthcare is expensive and Medishare wants to remain competitive.

My opinion really started to sour the only time we met our yearly AHP due to two unexpected surgeries. I was contacted by Medishare on multiple occasions requesting that I enroll in the healthcare exchange in order to save the ministry money. One of the reasons Christians sign up for this plan is because of the moral objections that present with mainstream insurance. Medishare requesting members who have been faithfully sharing is just plain wrong.

Lately, member services has been plagued by wait times in excess of an hour and no responses given to emails. This is unacceptable.

Finally, the PHCS network is very limited, especially of you live in a rural area. True, you can submit a bill for out of network expenses to Medishare, but that’s a risk I really don’t want to take (and keep in mind some providers won’t take you as a cash payment if you have “insurance.) My experience through the years is that you’ll typically get a bill adjusted around 50% for in network charges.

In 2021, who would Medishare make sense for? Medishare might make sense for self-employed, upper-middle believers and beyond who live in a big city and are facing exorbitant prices on the healthcare exchanges. They will no doubt save money and be able to find decent care through the network.

But as a middle class family, we’re about priced out of Medishare now. Looking at exchange rates this year in my state, we could get much better coverage for a much lower cost. Sad to say, but after 8 years, its probably time to say goodbye to Medishare and healthcare sharing ministries.

BEWARE of MEDI-SHARE

Medi-Share

Thank you for you response.

1) The hospital contacted Serena and she did not deny eligibility.
2) My son did not have a pre-existing condition, so Section VI. F. does not apply in this situation. This was due to a rapid growth spurt and has never been diagnosed with this condition.
3) We were never notified that Medi-Share was not going cover the expenses after not denying eligibility..
4) The expenses we saw online showed there was a 0 balance as if it were paid. There was nothing on the website saying it was not eligible and that we were responsible for paying. Therefor it was impossible to comply with a 90 day appeal process.
5) We received an invoice from the hospital in January stating we owed them 55k. That is when we called them and told them Medi-Share already paid them, based on the zero balance on Medi-Shares website. Without this prior knowledge that the bill wasn’t paid, how could we file an appeal.
6) This wasn’t congenital as it was not a condition at birth or was never diagnosed!

WWJD

I understand their position, but it is incorrect in my opinion. We did our due diligence and Med-Share did not deny eligibility for sharing before sharing. Serena should have notified the hospital that it was considered congenital and that they would deny coverage. Then we could have addressed that it wasn’t pre-existing before surgery took place. He was having trouble breathing and also had serious chest pain in his heart.

I’m not sure where we go from here and hoping that this will be reconsidered as it is the right thing to do. When the scenario it is correct, denying the eligibility without notice and based on a short time frame to submit an appeal seems not be of certain values expected out of the company we choose to do business with and what Jesus would do.

Dear Heavenly Father I thank you for the truth and for your never-ending love. I pray that you will give Tonya the knowledge and courage to help in every capacity to educate the decision makers. In understanding this situation of one of you children at the age of 15 needing surgery during the covid pandemic and to be truthful to their deep core values in bringing to light what your eyes is the right thing to do. Lord, please help them in building a better business model for clarity for their customers in understanding what they will be responsible for before surgery or soon after surgery. Allow them to be fully transparent and not leave anyone behind or leave your followers with unexpected bills they were responsible for. Lord, help them understand the money is all yours and to be good Stewart’s of your gratitude in growing their business.
In your name, Amen.

Than you for your help in this situation.

Very poor customer service. I changed my plan with them when they began to offer annual physicals as a shareable expense. I have submitted the PDF files they requested to the email address they provide. I have done so four times over the past three months. The bills never show up in my login and each time I reach out I am told they don’t have them. Either they are grossly incompetent or purposely avoiding paying a shareable expense. Each time I message them I receive a form letter with a small alteration to address the fact they do not have the files sent and ask me to send again. One would think after three months I would receive a reply more than a form letter. They also offer a “Chat” box… NO ONE EVER Enters it ! Just asks you to wait for an agent that never shows. In my opinion they are simply a scam !

Don’t believe the 1 star reviews. They are fake.

I am a long standing Medishare member and I have multiple family members who are, as well. None of us have had the experiences mentioned below. No proper review site would have all 1 stars….Tells you they are not legitimate reviews. Find an actual member and hear for yourself. They treat us with kindness, always ask if they can pray for us and have paid the medical bills we submit. Are they perfect, no. Are they a good option, yes.

I would 0 but there isn’t one. I tried to cancel membership for over 2 months. Finally had to have bank do a stop action from withdrawals in Dec of 2020. Then today 1-29-2021 found out after receiving statement from America’s Christian Credit Union which they use they stole the rest of my money from the credit union total of $1235.32.. Christians don’t think so, thieves in wolf clothing yes. Stay away. I’m having Attorney General office and Federal Gov go after them. Very dishonest. Don’t be used as a door mat. Proverbs 29:21

I’ve been a member for four years. Medi Share directed me to an in network facility for colonoscopy. I understand this is done to save money. After the procedure Medi Share would not accept the codes used and did not help with the $6000 bill. This did help save Medi Share money. I could have gone out of network and had the colonoscopy for $1500 which is what I paid the first time. Medi Share response to my $6000 bill due to their direction. In polite words “coverage is determined at time of bill submission”. Very Christian of them.

Horrible. I’ve been calling for days. If you want to sign up you can get through in a few minutes. If you’re an existing customer wait times are over an hour.

No coverage for the most simple preventative measures – not even a flu shot.

Price increases year over year are huge. I got an email about price increases with an estimated 5-10% increase; but then my next bill has a 22% increase. When I called to ask about it – they weren’t able to go into specifics but assured me it was correct.

I’ve never pulled a dollar out of this – they’ve made only profit from me – but I still haven’t been treated well. Thank God I didn’t have to go through the claims process – given the customer service I have received I’m sure it’s a nightmare.

Christian Care CCM I do not recommend. They can not be trusted to pay. Expect to pay more than your household amount or basically pay close to whatever the surgery costs out of your own pocket because they are not much help. We recently had a surgery that cost 20k. We called to make sure it would be shareable and they said that it would. Our household amount was under 5k so that is the max we should have paid. At the end Christian Care medishare wouldn’t pay more then a little over 3k leaving us with the remaining. They don’t care and they don’t care that one of their employees lied to us. For a Christian company they are far from acting Christ-like. We have also been paying them for almost a decade.

Let me start out with I’m a Type 1.5 Diabetic. I called to find out if it would be worth doing CCM, because we were looking to change to a Christian based health insurance. Well if you are a diabetic you have to wait 3 YEARS 36 MOUTHS for anything to be covered. WHY??? insulin is over $1,000 out of pocket. You say you are Christian based by don’t cover a diabetic, how unchristain is that. I honestly hope they go out of business, they should be ashamed of themselves for what they are doing.

Nothing positive to report here. I’ve been a member for 2 years. Each year the costs go up – which I can understand as healthcare costs do rise. You’ll get a email notification telling you rough increases (ex: this year you’ll see a 5-11% increase) and each time my increase have been well outside of that. I tried to call and see why my cost increases are above their estimates and they refuse to explain how they justify cost increases. Basically I have to “trust them” even though they don’t seem to be operating honestly.

I haven’t pulled a dollar out of this “membership.” I’ve received nothing from it. It costs nearly the same as insurance but doesn’t provide much of anything. No flu shot, no preventative care, nada.

I’ve decided to quit and go to real insurance – and have been calling for days trying to reach someone. You can’t cancel via chat. And the phone system has wait times for over an hour. You can request a callback – but I’ve never been called back. In fact, I just tried to call their office at 4:45pm (advertised hours are until 9pm) – they asked me to call back since they’re closed.

In short, poor customer service and a waste of money.

I’ve tried e-mailing twice (like their website tells you to), then calling three times (like the e-mail response tells you to) to cancel our membership after my wife got a new job with health coverage. I still have not heard back, but they continue taking payments. I first tried cancelling three weeks ago. Still trying to get this resolved.

I’ve been a Medishare member for nearly 6 months and it has been very disappointing as it basically does not cover anything. Also, when I tried to cancel, they made it extremely difficult with wait times to talk to a rep over an hour. They also ask that you cancel 15 days in advance of the termination date.

I have been a member with Medishare for several years now. It started out with very low premiums but they have increased significantly over the years. When trying to get someone on the phone to ask a question about this it’s nearly impossible!!! I’ve waited on hold for long periods of time and even opted to leave my name and number to have someone call me back. I received a call back but they only let it ring once so I was unable to answer it before they hung up. As a paying customer, I am unhappy with the service I have received.

Really good people at this organization. I had an issue with my login password one day, called in and not only were they so helpful, they prayed with me. I wish I could say I had called in with the perfect attitude up front, but wow, when they prayed with me, I felt the peace of God and it changed my entire day! Oh, I love the free Telehealth, too. Seriously, changed my perspective on “going to the doctor.”

Been with CCM for two years now and this will be our last year. It is so frustrating to get any help whatsoever. When we submit our forms, they say they’ve never received them or want them from provider as well. In the state we live in, most providers do not recognize CCM and will not process forms, so we have to do this ourselves then CCM won’t recognize it or say missing info even though it’s the exact form the providers send out. We are extremely unhappy. We’ve had 25,000 dollars in medical costs this year and we received one check for 277.00. Extremely disappointed, will never recommend this to my family or friends.

Horrible company to use. Customer service is horrible. Have been trying to get through to cancel my membership for 2 full days and cannot get through. Even the “chat” option says I have 40 to 50 people ahead of me every time. Do not do this!

We have been with CCM for almost 3 years. In that time, they have never had to pay out a dime as we do not have hardly any claims.

Here are my issues on why we are cancelling at the end of this year:

1. There is NO guarantee that even if we have a qualifying event, they will pay it as this is a voluntary sharing program and not insurance. We knew this going in, but after reading review after review lately of people whose claims were NOT paid, it makes me extremely leery to continue with them.
2. They are absolutely IMPOSSIBLE to get a hold of. I am currently on hold (for 48 minutes and counting) to try and cancel the membership. I tried to call this morning and left my # for them to “hold my place in line and call me back” – NO call back. “Chat with us” on the member page is a JOKE. It NEVER connected me with a rep. I’m trying to send an email now, but I am doubtful that will work either.
3. The negotiated rates are not worth it – I could walk in and say I am paying cash and get a better deal.
4. Last year, the price increased per month by over $60. That’s a pretty dramatic increase.

No longer worth it.

I’ve only been a member for 12 months, but I am renewing this open enrollment because Medishare has worked great for us. We have saved a lot on our monthly premium and they have kept their word on paying for some medical bills that came up in the past year. Maybe not for everyone, but it works for us.

Medishare seemed like a great affordable option for my family and the sign up staff were easy to reach. Now that I am a member I cannot get through the customer service. I have been trying for two weeks to make an adjustment on my account and cannot reach someone to make the change.

Ive been a member for 3 years. A family of 4 and good standing member. First 2 years were ok, didn’t have a lot of needs and this is what this plan excels at. 3rd year my doctors of 18 yrs for my kids dropped us, as well as my doc for 6 yrs. Furthermore, I tried to take my son to urgent care listed on their website and when I arrived they said nope, we don’t take it. BTW, my docs are still listed on their website also and they dont take it.

I called medishare, took an hour to get through. They have me a lame excuse about how their website is run by a third party and information is owned by them. I need to call and make sure doctor take it? I ask why? I mean in an emergency you need good information to make decisions. Furthermore, they gave us push back on being covered by preexisting after three years since we were coming up on 3 yr anniversary. That was it. We are in the process of cancelling. This company can not be trusteed in my opinion.

Long story short, save yourself the headache. I really wanted it to work especially helping other Christians but its really not a well run organization. And several of their practices are ethically questionable. Do yourself a favor and look else where for healthcare. My 2 cents after being on the plan for three years.

We have been medi-share participants for over a year, It has been huge mistake and something we regret. I had a bicycle accident in April – fractured my elbow. We sought the nearest medical help during the Covid lock down only to learn much later it was out of network. They have reimbursed us about $10,000 out a bill of slightly more than $31000 (despite a nearly $500 a month “donation”) – they have taken over six months to offer any help. When Medishare reimburses they offer you no help with the hospital – so if the bill is for $116 and Medishare reimburses for $6 (actual example) you still need to pay the hospital $110.00. We had to repeatedly appeal to have anesthesia not ruled as elective for a three hour surgery. The agents are pleasant, offer to pray with you, but the organization is unresponsive, resistant to paying, and absolutely not there when you need them.

Can’t give 5 stars, but only because it took 2 weeks to get a replacement card when I lost mine. I didn’t know you could get one from the member center, so held off on going to the doctor needlessly. Other than that, Medishare has been great! I haven’t had any issues with bills or anything like that. It took a minute to explain to my doctor that I had switched from insurance to medishare, but they were able to bill just like normal. Overall, we are pleased with Medishare.

HORRIBLE customer service lately. I have been a member for several years and was always impressed with the ease of getting ahold of a real person on the phone. That is no longer the case. When I was finally able to reach a representative they were unable to help me with the simplest things. I needed to remove someone from my plan and it has been over one month and no one has been able to accomplish this. I will not trust my family’s medical bills with this company. I will be switching back to Blue Cross as soon as possible. Too bad, it was a good idea at the time.

Cancelled account 3 months ago was charged $1000. Customer service is terrible. Christian live Chat…not lively it all. They leave you on the phone for hours at a time bouncing you back in forth between incompetent representatives. Very disappointed. Do not recommend MediShare to anyone.

We will be taking further action.

MediShare has been like a family to us for almost ten years. It’s more than just a cheap way to get insurance for a small business owner. For us, the community, the prayer, and knowing our money doesn’t go for abortions. That’s all part of it too! We wouldn’t trade it for insurance again, ever!

I had emergency surgery on my back last year. After my AHP, they paid all of my bills and even called to check in on my progress. I have never had an insurance company that would do anything like that for me. We will be with Medishare for a long time to come!

Do not use Medishare.
They will not process bills in a timely way.
They will not follow up with you for information if any information is missing to process a bill.
They will expect you as the member to do their job for them throughout processing, claims, and follow up continuously to make sure they are still doing their job.
Medishare gives only a ’90 day’ grace period before dropping your claim (read your fine print!), so make sure you are checking your online portal religiously for months on end for any updates for work you need to do, or you may not have your bill shared. No emails, phone calls, or paper mailers informing of more needed information…sub-par service to say the least!
Stay away!
After four years as loyal members, we are switching to a different company with honesty and better communication!

We have been members of Medishare since 2015. This past year, we exceeded our family portion (deductible) and expected my son’s surgery to be covered. They did no cover it, and are very slow to respond to bills. It seems like they drag their feet waiting for the 1 year anniversary of the procedure so that they can reject it for being beyond the allotted time of service. DO NOT USE MEDISHARE!!!!! Go elsewhere

We’ve had 3 boys while on CCM, other hospital visits, speciality consults, and outpatient needs. All bills were shared. Our providers were in-network so they just sent the bills to CCM for discounting and processing. Provider billing errors caused some confusion but that’s normal. Members prayed for us on the App. We also used MDLive several times.

If I could put a negative number I would. Here is a summary of my experience with medishare after 1+ years of being a member and about 1 year of trying to get them to pay a bill the promised to pay:

1) They will drop most of the calls you make to customer service and never call back. This happened to me over 20 times this past year.
2) They will promise follow up, returned calls, emails, etc. and NEVER follow up. EVER.
3) They will fight tooth and nail to prove that something is a pre-existing condition, even though there is no logical evidence that it is, including forcing you to divulge your medical bills and records from before you were a member, to prove that their false claims aren’t true.
4) Every single agent you talk to, including their supervisors will say things that the next agent you talk to will say wasn’t true, or wasn’t according to policy. After a year of doing this, they told me not to ask their agents quesitions because they don’t know.

Here’s my story. after 10 months with Medishare, with no bills outside of allergies shots and related appointments–my ENT said I needed a septoplasty because of getting repeated bloody noses. After planning the surgery with him—WHO I FOUND ON MEDISHARE’S LIST OF IN-NETWORK DOCTOR’S, I found out that the hospital he was forced to perform the surgery at by his employer was not in network. Despite the ENT who performed the surgery being in the medishare network, and despite TWO AGENTS of medishare assuring me that the surgery would be covered, and getting a notification about the surgery from the hospital before hand, Medishare fought me for months to agree to share the bill.

It took me threatening to sue to get them to adjudicate in my favor, after going through my medical past medical records and trying to prove that my allergies and bloody nose from two years earlier proved my septoplasty need was a pre-existing condition–against the testimony of my doctors. The only reason they agreed to pay the bill at all was because they had two agents telling me they would on recorded calls, and I was now threatening to sue.

However, after months of dealing with non-payment, the hospital was unwilling to negotiating with Medishare, saying that they have frequent problems with Medishare refusing to pay. Because they were out of network, Medishare made me pay $500 + $35 for each service.

The hospital gouged me on a surgery usually costing around $6500 (I was quoted by them at $8500), I ended up being charged over $20000.00 for a 1.5 hour outpatient surgery. The hospital refused to negotiate anything down with me, and because medishare insisted on spending 6-months attempting to negotiate with the hospital–getting nothing reducted–I ended up in collections for over $12000.00 of bills with no negotiating leverage. ON A SURGERY I WAS QUOTED ON FOR $8500. This is after paying over $2500 out of pocket on the surgery, and medishare paying about $4000 out of pocket.

Now, here’s the kicker. I am currently in collections with a collection agency that is reasonable. They understand that I was overpriced because the hospital charged me as if I had no insurance, expecting a write-off. They say they have these problems frequently with Medishare. They said if I can get Medishare to send me a check for the remaining monies they promised, I can offer me a settlement to be finished with the bill. But despite being in collections, and despite TWO SUPERVISOR’S telling me they could write me a check because my account has been written off to collections, the most recent supervisor is telling me that they will not send me the check, but only send it to the medical provider. They are ensuring that I will still have to pay another $3000.00 out of pocket on a surgery at a GOUGED PRICE.

Medishare policy when you try to get them to “share” a bill
1) Hang up….hope they go away
2) If they persist, tell them you have to do something, and you’ll get back to them. Then just don’t do it.
2) If they persist…Say it’s a pre-existing condition….make them prove it isn’t
3) Say you’ll pay the bill…but take forever until they are in collections
4) Don’t negotiate anything down….make sure they pay TOP DOLLAR
5) If all else fails, cite a new policy rule on EVERY SINGLE CALL, take no responsibility for what was said on the last call. If they ask why it was said, just say “I don’t know” or blame them for asking the wrong person.
6) If that doesn’t work. Go back to step 1, and continue.

One year later…this “ministry” is still somehow legal. You want to know where your money is going. To their advertising budget. That’s where.

Oh…can I pray for you for something?

My daughter’s family is facing grim possibilities after diagnosis of an autoimmune disease that is attacking her liver. Medi Share has treated her very badly, and have not seemed to care about her life. She needs a liver transplant, and they have changed their mind several times about covering this expense. CCM may be OK if you have a cold, but not if you are facing life or death decisions. Though they claim to be a Christian company, I am not sure I would agree.

Were members for 5 years. Every time we submitted bills for reimbursement it became a 6 month process. Have to have the Dr office fill out form exactly with codes their way or no reimbursement. Went to cancel and got notice 2 weeks later that we missed some magic deadline that is not published. Spoke to representative who refused to let us speak with a supervisor. Although it was manageable for a time, I would not recommend them because of lack integrity at the end.

CCM has treated us fairly. Been with them for 2 years now. Our 7 year old son broke his arm last year. We ended up with a $27k bill, to which we were wondering how it would go with bill “sharing”. After we paid our part, the entire bill was taken care of. We were so thankful and even got a card in the mail letting us know they were praying for us. We save enough each month to cover our wellness visits many times over. Appreciate CCM.

Our experience with Medishare was quite unpleasant. I would honestly not recommend them to anyone. To make a long story short, I checked in with them 4 times before submitting my maternity bill to make sure that everything was correct. Each time, I was assured that it was. Now my daughter is 6 months old, I have spent hours on the phone with them (after being told that the exact bill they said was right is now wrong), and I have only received about half the amount I was told to expect. I feel very deceived as I was extremely thorough in ensuring the bill was submitted correctly and asking about the reimbursement.
Fortunately, my family has switched sharing programs and we are no longer a part of Medishare, so we won’t have to deal with this issue again in the future. We ended up switching when they told us that everyone’s monthly share would go up ~7% due to inflation, and our portion went up 35%.
On the plus side, everyone I’ve spoken with has been very kind, but unfortunately not helpful.

I tried to cancel when my employer offered better coverage at a much lower monthly price and lower deductibles.

That was over six weeks ago and they still will not respond, they charged me after the coverage was to end and indicating they plan to charge me for next month’s coverage.

If you want to get lock into a program that offers minimal coverage at full coverage price and never be able to get out – MediShare is for you.

Don’t let the word “Christian” in their title confuse you.

I have tried to cancel my service with this company multiple times but they do not return phone calls. There wait times is above 30 minutes every time and no one ever picks up. They say you can receive a call back with their system but no call back is ever made. I have emailed them repeatedly with zero follow-up. They even say you can send available times to receive a call back but they don’t. As mentioned, I attempted to cancel online but they REQUIRE and make it MANDATORY for you to speak with them before canceling. Well…kind of hard when they dodge the calls. Please beware! This is an irresponsible company!

We’ve been Mdeishare members for about two years. Overall I am not satisfied with the lack of transparency, and refusal to responsibly cover medical costs.
My 5 year old son had an emergency appendectomy and we spent about 10 days in the Children’s Hospital because he had an infection from the burst appendix. It has been almost a year since the surgery and Medishare still has not paid the bill. It’s a huge bill of 140,000 and Medishare is not paying because it’s excessive. I agree it’s a huge bill but the hospital won’t budge below 80% or 112,000 and Medishare won’t pay more than 70,000. I fear they won’t pay anything at all which makes me question their Christian character.

CCM, for me, was paying every month to have no insurance. The reason I signed up for it was because I couldn’t afford the insurance through my job. Which, I thought was the point of it. However, the plan that I could afford through CCM had such a high “deductible” that when I went to the ER, I received absolutely NO help from them. None. Even with the cheapest of insurance, you’d receive some help. I received none. Which opened my eyes to the fact that I was literally just paying each month to not have insurance. It’s a waste of money. AND they are IMPOSSIBLE to get on the phone. I’ve been trying to cancel for weeks, but no one answers the phone (which, of course, is the only way you can cancel your membership).

Save your money.

If I could give this company a negative # I would. They essentially STOLE $21,000 + dollars from me and my family for the last 7-8 years.

We invest in our health and wellness regularly, unlike most Americans, so we never need Doctors.

In 8 years of paying them money we have NEVER had a NEED.

This year I had to go to an ENT, and found out that, from that one time incident in 8 years, as a paying customer – which we were NEVER Told before ever – that only a portion that THEY decide of my bill will go to our Annual Household portion – not the entire bill we pay out of pocket.

Then my husband had to go to a Functional Neurologist for an emergency episode of Bell’s Palsy from stress, for a # of weeks for consistent treatment.

They told us they we couldn’t submit ANY Of those expenses to our Annual Household portion b/c he was also a Chiropractic Doctor.

Bottom line – he was WHO COULD HEAL MY HUSBAND.

SO BASICALLY THEY STOLE OVER $21,000 FROM US, and we got zero care or support when we need them ONE TIME.

This is the FURTHEST THING from Christian, and I will be contacting our attorney to discuss this as we were never informed of this at anytime. This organization is a sham. DO NOT GIVE THEM YOUR HARD EARNED MONEY, unless you intend to throw it away.

All they support is drugs and medications – exactly what keeps people SICK & MEDICATED.

Let’s get right to the good stuff! I absolutely love the mission and vision of this organization. They aren’t perfect, but they are 1000% better than any insurance company you will deal with. Not one bill eligible for sharing has ever been unpaid!!

Please educate yourself on what is/isn’t considered eligible for sharing. The fact that many Americans don’t take the time to educate themselves on every aspect before joining is where the majority of these negative reviews come from.

At the end of the day the choice is yours, but for many families CCM is an excellent choice.

I am very disappointed with the customer service at CCM. I have emailed them 4 times and called numerous time to cancel our membership. They responded to the first email stating if I would like to be contacted by one of there representatives to email them back with days and times that worked best for us. I have done exactly what they have requested and still no response. It is very easy to sign up but when it comes to cancelling they ignore any effort I have put forth.

Medishare says they provide a referral fee. After months I have not received a referral fee. I call and each time speak with someone different, no one will give me a contact that I can call directly. If I’m having this much trouble getting a referral fee just imagine the problem members have getting reimbursed for medical expenses. – If anyone in Medishate is reading, my case is #01856954.

Unprofessional. I’m pregnant and they have deactivated 2 times for nonpayment (which is untrue) without calling or emailing me! So I had literally no idea they deactivated me until I got a letter in the mail. I had to send in proof of payment for them to reactivate me and they claimed that they had tried to call and left several messages and several emails (again, untrue). Very disappointed with this company!!

I strongly suggested that my son and daughter in law, both Methodist Ministers join CCM. That was a mistake and I am pretty much an expert in the field to know what I am talking about as a 39 year health insurance agent. If CCM does not consider something an eligible expense they do not cover it like Blood Work, Well Child visits, and Occupational Therapy for a new born. These are normal covered expenses under healthcare. Oh wait, they pay $100.00 of a $400.00 OT visit with no discount for the provider service. So each time the little one goes to OT mom and dad are out $300.00! Where is their PPO network and provider discount? Well baby visits are not covered! Let that sink in. You get what you pay for!

Signing up for Christian CCM was one of the worst decisions I’ve made. I understand this isn’t insurance, and that it’s very different from that, but just like other insurance companies they are sure to leave out important information while trying to get the most money from their customers. It was not disclosed to me anywhere that things considered as normal or regular visits still won’t be covered after meeting your AHP.

When I could not longer afford the monthly portion and tried to cancel, I was talked into keeping the highest AHP (lowest monthly portion) “in case of emergency” until I could get on the open enrollment plan from the government. Long story short, this didn’t get updated for two months and only took me contacting them multiple times to get my account straight, which has cost me hundreds of extra dollars I was told I wouldn’t be charged.

Horrible experience. They flagged me for a preexisting condition that I do not have. I had a bacterial infection in 2015 and was the only time in my life I was hospitalized. Before we signed up we asked if we would have to pay since I did not have a preexisting condition and had gone through a litany of tests to prove so a year earlier. They promised it would be removed after we signed up with as appeal. I appealed and got a simple no without any explanation of why. After 3 months of emails and phone calls and working with their health coach I am done. They said when I got through the health coaching I would have the fee reimbursed, but I would have to pay for labs periodically afterwards. Wasted 3 months of time and money. Will never recommend.

Absolutely the most disappointing experience I have had with any health company, and they claim to be Christian. Luckily, I have since ended my membership with them and will not go back. They refused to cover an ultrasound for a new breast lump I found by calling it a “pre-existing condition.” I had the doctor’s office recode it correctly, they reprocessed it under the new code, and denied it again but NEVER informed me. I never received an EOB or notification. COVID hit around the same time and the bills stopped coming so I assumed it was resolved. Suddenly, the bills resumed a few days ago, and I called them immediately. They said because 90 days had passed (by less than 2 weeks, by the way) since the denial, NOTHING could be done, no exceptions. I guess they don’t consider a GLOBAL PANDEMIC an exception to even just re-evaluate my case to see that the bill should have been covered. I am a medical provider and know what good, compassionate care is like – and this is not that. So now, pregnant with our fourth baby, we owe a bill that we never should have owed.

Terrible customer service and unethical health practices. They lure you in with claims that they will waive your setup fees, then they complicate the process with health questions and arbitrary decisions to charge you more based solely on BMI, which is ridiculous. Roughly 20 min of paperwork takes several days to correct on their end and you have to wait impossible amounts of time to hear from someone on the phone. I regularly get six different answers about something and have received four different forms on how to fix this stuff. It should be 100% illegal to charge people more based on BMI (which mine isn’t even bad).

That being said, they are much cheaper than health insurance and structured better. So I’m likely stuck with them until I get a job to provide it again, but their customer service is so poor that I’m thinking about just going without until I can get real health insurance.

They need to step up their customer service, professionalism, and speed, period.

I’ve been with medishare for 4 years now and trying to cancel. Initially, I was a fan of medishare, it was cost effective monthly and covered a great deal of my first pregnancy. With my second pregnancy, the company did not cover as many bills, although my share was increased monthly. By the end of my second pregnancy they asked me to apply to Medicaid to relieve their burden to share my bills. With my third pregnancy, CCM will not share any of my bills until I applied for another program such as Medicaid. I’m quite frustrated that a service I’ve been paying for four years refuses to share my bills and instead asks me to apply for a another program to pay for bills. I feel like I’ve been throwing my money away monthly for a service that I’m being refused.

CCM authorized me to proceed with a pre-authorized surgery with an “In Network Provider” listed on CCM’s website for a broken lower leg. After 1 year and countless phone calls CCM declined to pay any amount of the bill claiming “Unnecessary Excess Overcharge” from the “In Network Provider”.
I was never successful in speaking with someone that actually worked on my case. I was always transferred to the “Cost Strategy Team” where I was instructed to leave a message. No responses. Except one email, approximately 1 year later, stating that “Because of excessive charges my bill is not eligible for sharing and would remain so unless I could get the bill reduced to CCMs guidelines”. I wondered why they couldn’t pay a portion commensurate with their guidelines but couldn’t actually every reach someone that could discuss. Each time I was however offered prayer and blessing when I really hoped for some support on the bill which went to collections. Thats been a shame.
They suggest that I contact the provider to negotiate the bill which was utterly impossible. I fail to find this a legitimate “In Network’ affiliation which suggest the patient can force the medical provider to change their bill to accommodate as well as fail to understand how this aligns with CCM’s, Christian Care Ministries Mission Statement. This turns out to be a catastrophic financial mistake on my behalf. I do fortunately have still my health.
The Member Handbook states that bills with Excess Overcharge” can be denied. However, I feel that a legitimate payment for the service would be appropriate and certainly in much better alignment with with CCM, Christian Care Ministries Mission Statement.
Based on my experience I strongly recommend making a different choice.

worst thing ever. I am saving money by being uninsured. paying 554 a month still paying for prescriptions.

this is only good if you have something major and you better not have any pre-existing that is anywhere close to what went wrong or they will list as pre-existing.

My wife had a ankle problem and they said this was pre-existing because of her hyper tension. what does A have to do with B?

Crazy.

My husband and I are self-employed and sought CCM for our coverage in light of rising insurance premiums . We were with another cost sharing ministry, but we live in Rochester, MN, and the Mayo Clinic is our primary health care provider (family med) since this is the community we live in. We actually were referred to Medishare a couple years ago by someone in Mayo billing, as a cost sharing ministry they work with and recognize. Well, after almost two years of paying our “portion” and no bills to share, we received an email from Medishare on July 21st, 2020, that Mayo Clinic is no longer working with Medishare and we would be considered uninsured/cash pay if we went there. My husband was actually quarantining for COVID exposure when we received this email! I called Mayo to ask why they would cut ties, especially outside open enrollment (I have expressed my frustration with them as well), and they insisted that this policy went into effect on June 1st, and Medishare was just letting us know now! When I called Medishare, the young person I spoke with had no idea what was going on, and actually asked me to forward him the email I received so he could be familiar with it! Medishare still insists that they just found out in July, so someone, either Mayo or Medishare, is being untruthful. We had a very stressful couple of days wondering is we would be able to get on our insurance exchange outside open enrollment due to loss of coverage, and thankfully we did. I guess my advice for anyone considering this is be very careful. Unfortunately you get what you pay for. Maybe Medishare works in other parts of the country, but trusting it for our coverage here could have proven disastrous if we needed serious care at Mayo. Buyer beware!

Unethical and basically worthless for coverage. I’m a self-employed, Christian Licensed Mental Health Counselor. I thought this would be a good option because I needed affordable healthcare. I’m healthy and had never been hospitalized until the end of last year. I had almost 60K in medical bills. CCM refused to pay, falsely stating, pre-existing condition. I spend my days helping people with severe trauma and now I’m looking at probably having to file for medical bankruptcy. I believe in personal responsibility but I simply do not make enough money to be able to pay this. I’m still trying to work with the hospital. Even if you are healthy…I highly suggest you DO NOT use CCM for your healthcare needs!

Raving Fans of CCM! We have been members since 2017 and have been healthy. I was diagnosed with breast cancer in 2019 and I was concerned about not have traditional insurance. However, CCM was WONDERFUL! They paid every bill promptly (I only had one snag with the hospital bill after reconstructive surgery, but it was more of a failing on the part of the hospital to provide detailed information for the claim) — for chemo treatments, mastectomy and reconstructive surgery — for multiple consultations with breast surgeons and oncologists. In addition, I signed up for a care manager who prayed with me and was so encouraging! I cannot say enough about how happy we are with CCM!! I’ve told everyone I know about it! I’m sorry that not everyone has had the same experience we have had. CCM has been a huge blessing to our family.

Zero stars. Terrible company! You would be better of throwing the money that you were going to give them away! They love to take it but when it’s there turn to help you out (the information they are receiving is incomplete) and all the while it could take more time! Or your bills were not eligible! Yeh thieves!

I confess I seldom leave online reviews. I think this is the second one in my lifetime. However, this company has me frustrated beyond belief and warrants some warning for someone considering signing up. The self reporting process I have to go through for providers that don’t file directly (many) is cumbersome. I’ve waited 3-4 months for them to process my bills only to find out they only paid a portion and justify it using some obscure service or reason code. The vibe I get is they do everything they can to aviod paying the medical bills, or at the very least make me waste my time to babysit them in their processing. I have faxed and refaxed. I have called. I’ve been on hold. I’ve been on hold. I’ve been on hold. Understaffed. Undertrained. Poor technology. I once thought it was well priced but with the recent price increases I’m not so sure. Let’s just say I’m shopping soon. But, they will pray for you!

they did not pay 1 cent for any of my healthcare needs. when i found Urgent Care that was ” part of the network” CCM told me to call them and ask if they would cover me, i did ant they said NO. medi-share told me to call urgent care again and told them that they are in my network and to take me for urgent treatment, i never got service . I am a christian and a deacon at my local church and would never recommend this organization to anyone.

I read in an article by a CCM member that you don’t cover costs for pre-existing conditions for 36 months. Is this true? If so, that’s 3 years, and too long time to wait for coverage say if you are an insulin dependent diabetic and need pump supplies, insulin, and continuous glucose monitoring supplies.

I am trying to cancel membership and am having a very hard time doing so! Long hold time and the recording says to log in to chat immediately…really! I have tried to chat 4xs now and no one ever responds as I even took pictures! Still on hold to cancel and I have many other things to do! So disappointed as when you want to sign up they are available but when you want to cancel they appear to be unreachable. I have been on hold for a very long time listening to their recording and cannot get anyone on chat! Very bad customer service!!!!

To those who are trying to silence real frustrations about CCM on this page, stop. This forum is the only opportunity to share our good experiences and our issues, because no one in a management position will make him/herself available to answer legitimate questions. Perhaps they’ll pay attention to people here. We were once the biggest champions of CCM, too. But then …

We joined CCM nearly five years ago to cut our monthly premium (share) and because we appreciated having our questions answered. Since then, our share has gone up nearly 70 percent and the personal service has become very similar to corporate customer service where agents are instructed to read a script — including the popular, “I’m sorry, there’s nothing I can do.” That’s all we ever get from CCM.

Note, we’re a healthy family. In our nearly five years with CCM (more than $30,000 in monthly shares in that period), we haven’t applied for a single benefit. This month, in the middle of these difficult financial times, I looked at our bank account online and saw CCM had quietly increased our monthly share 22% over last month. That’s right, a 22 percent hike. This while our car insurance company gave us a rebate, our power company lowered their cost-per-wattage, and our phone company adjusted every customer payment down. During these times, the massive increase hardly defines what we would expect from a Christian … Care … Ministry.

When we emailed for an explanation of our 22% increase, CCM sent us a form letter borrowed from cold corporate speak. It audaciously mentioned a “slight” increase averaging “3-10%.” Um … what? Obviously, no one reads the emails. So we called. The young customer-service rep that they put on the frontline to take the call was only allowed to say: “I wish I could help.” When we asked to speak with someone who could help, she said it wasn’t possible.

So, to the leaders of CCM … you’re quickly losing the very qualities that made this ministry so attractive: personal service and costs that reward people who are good stewards of their health and finances. A 22% increase during these times? After being told to expect a 7% increase? For what? For being healthy? For never asking for a benefit? Please explain how you align this with anything close to Scripture. I would love to hear a personal response. Even better, I’d love for someone to be available to engage in meaningful conversations — just like any good business person, Christian or secular, would do with clients.

Medishare’s telehealth option was helpful, but Medishare as a whole was unable/unwilling to work with my husband and me in our unique situation. Their customer service agents were pleasant but unhelpful and unknowledgeable. I have since switched to a different Christian health-sharing ministry that has better benefits and a lower monthly share.

Medishare is as unhelpful and as bureaucratic as any other health insurer. Their customer “support” people aren’t helpful. But, rest assured, after refusing to help you they’ll wish you a pleasant day and pray for you.

Just think of them as an insurance company hiding behind religion. A Jerry Falwell or Jimmy Swaggert in the health care industry.

Nicholas’ review here, from June 15, 2020, us spot on.

I guess being “Christian” means having a healthy bureaucracy that doesn’t work for the customer and puts up barriers to getting things done.

I am writing this again because I did not see it on the reviews. THESE PEOPLE ARE NOT CHRISTIANS. I dealt with Jonathan, Miles and Carson. ALL lied. They are scam artists. I am a Christian and now know why people do not like us. These IMPOSTORS turn people away from the faith. They were very unprofessional, as I said, lied multiple times and were full of Judgement. They were PASSIVE AGGRESSIVE. Dealing with a non believer would have been better. But we know on what I experienced and can prove, they are far from BELIEVERS. SAVE your money. They will not help you. I will write these reviews where ever I can because they should be held to a higher standard since they are using God. I only know three true Christians these days. No reason to ask why our Country is doomed. I will not end up like these people. I will not.

As a believer in Christ and a pastor, I do not want to leave negative reviews and hurt businesses. However, I feel it is necessary that I write this review so that others who are considering Medishare can have an honest perspective.

When my wife and I were first married, we began using Medishare. We were customers for 7 years. At first, we loved it. It was affordable. We loved how our “share” was going to meet the needs of others. We loved that when we talked to them, they prayed with us at the end of the phone call. We also loved how easy it was. When we had our first 2 children, it was everything as advertised. We met our Annual Household Portion (“AHP) and then our needs were shared after we met our AHP. This all took place while we were living in Southern California with many “in network” doctors and facilities.

Then, we moved to the Mid-West. Although they market in our well populated Midwest city, there are very few in network doctors and facilities in our area. When we first moved here, we didn’t realize how few doctors and facilities actually were in network. It was a surprise to us that everything became such a battle with our healthcare providers and Medishare. I spent my one day off a week on the phone for 3-4 hours every week either talking to healthcare providers and/or Medishare to resolve medical bills, miscommunications, or missteps.

This hit the hardest when our daughter was born and was in the NICU for a few weeks. Although that has now been over 1 year ago, I am still wrestling with Medishare and the hospital disputing bills. We may have had an “in network” doctor, but the hospital was “out of network”. The hospital doesn’t send payments to Medishare, so they send the bills to Medishare, Medishare rejects them, I get billed from the hospital, and then I need to act as my own representative mediating between Medishare and the hospital.

The hospital says these bills are overdue and that they are going to collections. Medishare now needs to send me a check to send to the hospital, but a medical bill isn’t sufficient to prove this – Medishare need a certain form with certain details. So, I need to request that medical form of the hospital who then will mail it to me, then I fax that form with another Reimbursement form to Medishare, and then I need to wait 90 days until it gets processed. But since we are already 1 year passed the dates of service, Medishare’s policy is that they will not reimburse passed 12 months a date of service. Meanwhile, the hospital is saying that they are sending the bills to collections unless they receive payment from me.

This is just one example. ONE example of our frustration and poor experience. We’ve paid thousands of dollars out of pocket that we shouldn’t have paid because Medishare has not delivered. Healthcare providers called me asking for payment, I call Medishare asking why they haven’t paid, they call the healthcare provider WITH ME on the phone asking for an extension to pay the provider, but every time they asked for an extension, they never delivered and never paid. My cases went as high as they could go in Medishare to get help and to rectify their mistakes, and yet they keep failing us even though we no longer have them as our healthcare solution. Healthcare providers have told me to report them for their misconduct because this is not how a business should be treating their clients or healthcare providers.

It is unfortunate I have to leave this 1 star review. If I could, it would be lower than 1 star as I spent another full morning dealing with these same issues I’ve dealt with since moving to the Midwest. It is such a relief now having real healthcare insurance. I know it is expensive and I know any healthcare solution will come with its head aches, but no one should have to go through what we went through especially after our hospital stay in the NICU.

I hope this provides a fair, honest, and balanced perspective of our experience with Medishare, and will help you in considering your future healthcare solution.

Received a 19+% increase in premium share after 9 months. So much for receiving an email saying an average increase of 7.5% is coming. And they have never spent one penny on me.
Why preach Christian values and principles if you really have any. If they did, everyone would have the same increase. Going to have to go back to work and find a position with medical benefits so I can get off of this garbage.

Terrible Company. They worked tirelessly to deny a claim for a mere office visit for some neck pain I had, calling it pre-existing. I had never seen a doctor for that in my life. ( I was on a high deductible program; they would not have paid a dime.) I used their recommended preferred provider for an MRI and the $3800 bill was adjusted to $3500. I felt outrageously deceived. I had a self-pay quote of $1200. Another $200 doctor bill was adjusted by one dollar. Most healthy people are advised to get higher deductible programs assuming their bills will be repriced to something affordable. Do not use this company for that. They will do nothing for you, except pray for you (over the phone) while they take your money screw you over.

CCM did absolutely nothing to help with any medical costs my daughter had for 3+ years they were paying for it. She had 2 babies during that time equaling 3 children needing medical care, plus herself and husband and had zero help. Finally had to get out from under that cost so she could actually make her health care costs.
Please save your money and keep looking…..

My family has had Medishare for three years. At this point, I’ve really had it with this company. They deny coverage for practically everything citing that you haven’t been a member for three years to qualify for anything to actually be covered. My wife recent had our third child, not a single dime of her pregnancy or delivery, which was at a birth center so far cheaper than a hospital, was cover. We had to eat all $9,000 of that cost.

Honestly, you’d be better to go without health insurance and save the premiums you’ll pay to Medishare into a private HSA or saving account. You can cash pay at any walk-in clinic or doctor office and often times it’ll be cheaper than the monthly premium or deductible Medishare is going to give.

This whole scheme is exactly that, convince a bunch of us Christians to pool our money together and then deny coverage for just about everything any normal insurance program would cover. It’s a scam, meant to defraud consumers and Christians. I frankly think the State of Florida should investigate them as a Ponzi scheme because that’s about what this company appears to be.

If I could leave them negative reviews I would. They’ve sucked my family dry of more than $36K in three years through premiums and deductibles. It would have been better for us to go with cash only services than stick around with them. Especially now that they are raising rates another 7.5% for services they don’t even offer.

Medishare will look for any way not to cover your bills after you meet the deductible. We are paying an extra $4000 over our deductible because the hospital flagged a procedure as “medical history” this was a scope for an ulcer… Hospital said that is how they flag all follow-ups and wouldn’t be able to change it. Medishare refused to cover it even though it was obviously part of a treatment plan that should have been covered.

I belonged to Medi share for 3 years and they are refusing to give me a simple email to document when my Medi share coverage is ending so that I can apply for coverage through my new employer. They also led me to believe I would be able to find discounted health care in my area through them, which was not true. Adversarial and unhelpful customer service, will not follow through on what they promised. I am in danger of losing medical coverage opportunity for June due to Medi shares stupidity.

Please read before you get involved. I would leave a 0 if I could!
This has been the worst experience I have ever had from ANY company. I fell and hurt my shoulder back in September 2019 and needed surgery. The unprofessional way they treated my Doctors office pre surgery caused my doctor to require me to pay 60% of my surgery upfront and then I had to apply for reimbursement. Well, it’s now May 2020 and they still have not refunded our almost $12,000.00 . We have gone to every length to comply with there rules and requirements, and still they just continue to make excuses and change what they claim is required. They continue to leave us in limbo as well as it’s SO disappointing how they misrepresent how the Body of Christ should care for one another.

After reading these comments it’s obvious that these people did NOT take the time to understand how CCM works. It’s unfair to accuse them of not paying bills that the guidelines clearly state they do not share in.

By the way, you have to sign saying you read the guidelines to be approved for membership. I’ve been with CCM for years and they negotiated my one night hospital stay that was over $15k down to under $6k. It’s simple really – do you research, call with questions and join AFTER you understand what you are getting into

My wife and I joined CCM because as Christians thought it was the right thing to do.We are both very healthy people and rarely need medical help so it was a cheaper plan for us. Unfortunately I injured my lower back and wound up with drop foot and needed survey to relieve the impingement. No problem right? Well wrong! Finding a physician that would take this healthcare was slimpicking at best and that led to a delay in needed help. By the time I got into see a physician it was really bad. After pre surgery approval I had the surgery and started rehab only to find out my claim was denied do to (pre existing ) circumstances! That was a lie I had never seen a physician for a back injury only a chiropractor once every couple of years for a adjustment. I’m a middle aged male that works hard so from time to time I strain myself. They had no problem taking my money but the first time I needed help they abandoned me and left me with huge medical bills! So I ask, Christian Health care? Not for my family! We have dropped them and have gone back to a real heath care provider. A very hard lesson to learn and something to pray hard about before making a mistake like me.Make no mistake about it this is not health insurance it’s health sharing ,big difference.

Pro: I really like that they have a tele-doctor service that lets you call and get a quick diagnosis and a prescription written at no cost. Con: If you need to actually see a doctor, they have a list of providers who are “in-network”, but I’ve learned that they don’t negotiate rates with those providers. I went to see an “in network” doctor, and got a cursory exam plus a short conversation — 10 minutes total. No diagnosis, no treatment, no prescription, no nothing. The invoice was $559. I called CCM, but they said that they don’t negotiate rates with their in-network providers…and since I hadn’t met my deductible, it was all mine. What? Now I have to go to the state medical board to dispute the bill. What’s the point of having a provider network if you get overcharged anyway?

I’ve been a member of Medi Share for 5 years and I’m about to switch to regular insurance. Things I wish I’d known:

– Never self pay because Medi Share will take months to asess the need and most likely find errors with the paperwork making the process very frustrating. It’s almost like they look for mistakes on paperwork like a name in the wrong place so they can deny the claim. There’s not an easy way to appeal a decision if they decide the bill doesn’t fit the guidelines even if you feel it does.

– Very often good doctors and specialists don’t take any insurance so you’re stuck with self paying and crossing your fingers that Medi Share will reimburse.

– Protocols for detox or healing that involve non shareable modalities like vitamin IVs to flush mold from the body or detox aren’t shareable even when a Licensed doctor prescribes them – basically regular Pharma drugs are fine for sharing but things God made for natural healing are not.

I wouldn’t recommend Medi Share unless you’re very healthy. I had a representative tell me that really Medi Share is for catastrophic circumstances like cancer not for little bills and that those should be paid by the member themselves. No one says that when they’re taking your money each month.

AVOID

I wish I could leave zero stars. I work as in billing in a doc’s office and experience all the time how difficult these crooks make it for patients to get reimbursed for charges. Most doctors offices don’t accept health shares (and shouldn’t because they never get paid!) so patients have to pay exorbitant amounts upfront and then follow up with the office because the health share makes reimburse SO difficult. You can’t generate a claim form w/out insurance info, and the health share expects patients to complete and submit a commercial claim form? Nuts! None of our patients with health shares are reimbursed timely if they get reimbursed at all. Real health insurance is more expensive, but it is WORTH it because they know what to do and you are guaranteed a cap on spending (your out of pocket max). Please STAY AWAY from these crooks!

My recommendation is never self pay as they will drag out the reimbursement process for months and require paperwork that seems to be impossible to acquire from the hospital. When I go to the billing department of the hospital they do not even know how to get me the information that CCM is requiring me to provide. I have been with them for around 7 years and have never been happy when we needed to use them.

Long ranting post…. please share!
Health Insurance in this country is a joke!!! They make it so unaffordable and the medical bills and requirements are just ridiculous.

I currently have Medi Share. It’s a Christian sharing health program. It’s not considered “insurance”. It took my monthly premium from $600 to $200/ month….. which for a single mom is a big savings. I have had to pay for pretty much everything out of pocket until my “annual household portion” /deductible is met.

I had major back surgery a few weeks ago. And due to all the requirements…I had to have many tests/procedures done before I was eligible to have this major surgery. My current bills through Schneck alone are around $14,000…. and this is is before my surgery. I have yet to recieve my bill for surgery and my hospital stay ( but a 4 hour surgery with a neurosurgeon and a 4 day stay in the hospital as you can imagine will be astronomical). I found out the weekend before Christmas- wonderful Christmas present- that Medi Share will NOT cover any of my bills due to my back due to saying it’s a pre existing condition!!! I started in September seeing dr’s and getting tests done for my back… and found out after my surgery that none of it is covered!!!

I remember my back went out 3 years ago only because it happened on a holiday.. There is no proof of a bulging disc or anything needing surgery at that point…. but they are still saying it’s pre existing! Who hasn’t had back pain in their life?!!!

This has been pretty hard to process for me. Single mom who needed surgery will now be in hundreds of thousands of dollars in debt…. and I didn’t find out until after surgery is over!!!

Also with the timeline….I have missed the enrollment for Healthcare and can’t enroll in Obamacare. While the healthcare provided is still expensive and hard for any household to keep up with…. it is under law, that they can not deny you for pre existing conditions!!

Since Medi Share is not “insurance” they do not have to follow this law!!!!

**I do know others who have had Medi Share and other Christian sharing programs cover medical expenses…… but if you have a pre existing condition I would NOT recommend it!!! It’s more for new injuries/ medical conditions. Since they can make up their own rules…. Medi Share can also deny you for smoking, drug use- legal or illegal, being Gay, among other reasons! They can deny maternity bills if a baby is born out of wedlock- unless the mother was raped! Seems Un-Christian to me!!

Sorry for venting….. but I feel I have little to no options for good health care… and now im in a huge amount of debt that I was not expecting! We should do better in this country with as much as we pay in taxes… we need a better healthcare system.

Please share….I don’t think this is right and others should be aware what they are getting into with Medi Share and other Christian sharing programs.

My family and I have had an exceptional experience with CCM. We pay significantly less than with traditional health insurance, and in return, we receive:

* Exceptional customer service
* Heavily discounted bills
* Free 24/7 online doctor’s appointments
* A tremendous in-network searchable list of doctors and specialists

We signed up for MediShare because we are small business owners. It was a good option for us that didn’t break the bank on a monthly basis. Unfortunately, it just wasn’t a good fit for our needs. Their processing for reimbursements is clunky and outdated and takes a LONG time. If you even get approved for a reimbursement. With three young kids, we found the AHP (deductible) to be so high (we had a $5,000) — but we could not afford to pay more than $500 a month to make the AHP lower. This past summer my husband landed in the ER, unable to walk with a bulging disc. More than $10,000 in bills later, MediShare ruled this as a pre-existing condition. We were stuck trying to cover all these medical expenses ourselves! Ultimately we ended up leaving MediShare and got cheaper and better insurance through the Marketplace. I will say most customer service reps for MediShare are very kind.

As a member since 2015 I’ve been happy to recommend CCM to friends and family and anyone inquiring about insurance alternatives. I always received fantastic customer service from friendly and knowledgeable associates. Today was when that ended! Today, I have made four attempts to cancel. I have been treated poorly and subjected to hold times of over 30 minutes with no service. I am no closer to cancelling my membership now than I was an hour and a half ago when I first called to cancel. How you treat customers on their way out speaks louder than the way I was treated the last 4 years. I’m very disappointed!

This company is very poorly run from a business/fiduciary standpoint. I am a NP and have a bit of knowledge about billing practices of medical services. My biggest complaint with this organization is they seem incapable of saving money. My local hospital is a medishare approved facility that accepts medishare. The problem is that the the hospital only offers medishare a 5% discount on the bill. It is common practice for all large insurance companies to get steep discounts from healthcare organizations–on average 40-50% off the actual billed amount. So rather than tell the hospital that I have medishare I told them I am cash pay so I get a 50% discount. My wife had a c-section and the billed amount was $15,000 but with my cash pay discount the bill was reduced to $7,500. So i submitted the hospitals itamized bill to medishare for $7,500 but I was missing proof of payment or a cpt code–so payment has been held up. I have the hospital bill medishare directly and medishare is more than happy to cut a check for $15,000. My daughter is 8 months old now and I am still trying to get reimbursed. My wifes OBGYN had a simmilar early payment discount of 30% but not if you worked through medishare.

I will be switching to Christian Healthcare Ministries https://www.chministries.org as soon as feasible. My family plan with CHM would be less than $500 month compared to $720 a month with Medishare. Medishare has a $4,250 out of pocket deductible per family per year. Christian Healthcare Ministries is a bit different but medical problems under $500 ar coverd by the member but those greater $500 are fully covered.

In conclusion my complaint with Medishare is that they are overcharging their members by 100% simply because they fail to take advantage of discounts offered to both patients and other commercial insurance companies.

Our family has been with Medishare for 3 years and we are very satisfied! When I hit 50 yo, I ran into the PSA prostate scam and got popped with $10K in Urology biopsy bills. Medishare paid everything save our “deductible”, and we didn’t get any hassles from the doctor or hospitals regarding coverage. There is another network in IL that gets confused every other year as to what Medishare is, but overall we have had very few issues while saving about $500 a month.

We’ve been members for like 6 years. Probably the best health sharing ministry overall and the closest one to ‘feel’ like real insurance. The biggest con is it is fairly expensive, as the pricing has increased a lot over the last couple years. The nice thing is they give you an card that you present to your doctor, pay your co-pay, and you are done. The doctor will bill them directly and you can go online to monitor. They pay the doctors and hospitals fairly quickly which tells me they are on good financial ground. They also list their annual financials in the member portal so you can see how much money they have, and that continues to look good. The only bad thing we don’t like is it’s expensive, and they do not cover ANY wellness visits at all. Other than that overall it’s been great.

As a member of CCM in the Senior Assist program I am very disappointed at the inaccurate accounting I received for the medical expenses I incurred at the end of 2018 through June of 2019. First, the point of recalculating the household portion breaks at the date I initially signed up for the SA program. That means that the household portion was $2,500 for the medical expenses for one incident requiring medical treatment. Also, this applies to each individual, so if my wife had had a hospitalization, her account would have to totaled the $1,250. If that were the only problem it would be understandable. However, the credits toward the household portion I got for the expenses that I paid out of pocket did not come close to the actual amount I paid for the medical treatments. Medicare parts A covered most of my expenses and I had to pay the rest. I cannot recommend that anyone participate in the Senior Assist program.

I have not been impressed with this organization since we started the program 3 -4 years ago. I don’t believe you are any different than the average insurance company, just like them I pay my premium but have very little in return!! I have invested money into others financial needs but am NOT experiencing that for my own. I had a claim for a required heart test that was denied because you called it “a pre-existing condition”. However, my policy was long in effect prior to experiencing any heart issue. I would have been far ahead of the medical game had I invest my premiums into my own bank account!!

You won’t know what you will be paying until you sign up. Their price calculator, haha, don’t even try, such a joke. When all said and done they told me it would be $90.00 more per month than what the calculator says. That is ridiculous.

Their guidelines are so vague they claim to have everything in there. Before I even started using this company I was learning of things not in the guidelines.

I can not comment on submitting claims or reimbursement time because I cancelled this scam before I made any claims.

I have had this coverage for 4 years and too expensive for the output. My AHP is $10,000. I pay $203/mth. I only have this because our previous President’s decisions. ( Don’t want to get into that because it makes me mad that I was forced to get insurance). My payments just went up too. I have never used it since I am healthy don’t have any medical issues and hard to meet the $10,000 out of pocket. I am going to change maybe to Solidarity. Its only $500 out of pocket and about the same a month. As far as the pricing you are showing. They don’t look correct. I started at $160 at $10000 AHP back in 2014. I have sent a message to Christian Care ministries to look into this website.
I place one star on the ease of submitting and reimbursement not because I have use them but because it would let me submit my review.

This is an overall great establishment and we haven’t had any problems up until December of this past year. For 4 months now we have been trying to pay back the doctors office but Medishare won’t send the forms we need in order get payment. After 10+ phone calls and being constantly put on hold, I am writing a review in a last ditch effort, hoping someone from Medishare will respond and help me out. I hate to give a negative review but my doctors are fed up and I don’t know what else to do. Thank you!

Love CCM and all the prayer that is offered. This healthcare is truly a place that cares about the individual and not just the bills. The community, support, and love we feel from other Christians makes a huge difference. We can’t imagine ever giving our money to a large corporation that uses it for things we don’t believe in.

CCM is great and we love that we are sharing with other believers in Christ that are lifting up our needs in prayer. We chose CCM over Liberty because Liberty allows any faith to join and I certainly wouldn’t want a buddhist or muslim praying for my needs since we believe in different gods.