Jane Dotson
Medi-Share is a healthcare sharing ministry where members voluntarily share each other's medical expenses in accordance with guidelines adopted by the members and administered by Christian Care Ministry (CCM). It is not insurance and is not regulated as insurance. Medi-Share 65+ is a program for seniors 65 and older with Medicare Parts A & B, where the remaining amounts that Medicare does not pay are processed for eligibility by Medi-Share 65+. This article will explore whether Medi-Share carries Medicare-supplement insurance for seniors and how it compares to other options.
| Characteristics | Values |
|---|---|
| Name of Program | Medi-Share 65+ |
| Who is it for? | Seniors 65 and older with Medicare Parts A & B |
| Cost | $99/month |
| What does it cover? | Medical expenses that are covered by Medicare, including the 20% not covered by Medicare |
| Is it insurance? | No, it is a healthcare sharing program where members voluntarily share each other's medical expenses in accordance with member-voted guidelines |
| Provider | Christian Care Ministry, Inc. ("CCM") |
| Billing | The provider sends the claim to Medicare for processing and then to Medi-Share 65+ |
| Doctors | See any doctor that accepts Medicare |
| Eligibility | Must be 65 or older and have Medicare Parts A and B |
| Open Enrollment Period | The 6-month period that starts the month a senior 65 or older enrolls in Medicare Part B |
| Other benefits | Access to tele-behavioral health counseling services and prescription discounts |
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What You'll Learn
Medi-Share 65+ eligibility
Medi-Share is a healthcare sharing ministry run by Christian Care Ministry, Inc ("CCM"). It is not insurance and is not regulated as insurance. Members voluntarily share each other's medical expenses in accordance with guidelines adopted by the members and administered by CCM.
Medi-Share 65+ is a program for seniors aged 65 and older with Medicare Parts A and B. It is a secondary option to Medicare, which means that Medicare is billed first, and then Medi-Share 65+ will cover the remaining eligible expenses. This includes the 20% of medical expenses not covered by Medicare.
To be eligible for Medi-Share 65+, you must be 65 years old and have Medicare Parts A and B. If your birthday falls on the first day of the month, you are eligible on the first day of the previous month. You are not eligible for Medi-Share 65+ if you are enrolled in Medicare Railroad Retirement Board.
Medi-Share 65+ has an Annual Household Portion (AHP) or 'responsibility' of $500 per member. This is the amount you must pay toward eligible medical bills during a 12-month period before your bills will be approved for sharing. Once the AHP is met, Medi-Share 65+ will share 100% of the balance on eligible medical bills.
Medi-Share 65+ starts at $99 per month and allows you to see any doctor that accepts Medicare. It is an affordable choice for seniors, helping to fill in the financial gaps left behind by Medicare.
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$19.95 $9.07
What costs does Medi-Share 65+ cover?
Medi-Share 65+ is a healthcare sharing program designed for seniors aged 65 and over who have Medicare Parts A and B. It is a non-insurance alternative that helps cover the costs of medical expenses that Medicare doesn't fully pay.
Medi-Share 65+ covers the 20% of medical expenses that are not covered by Medicare. This includes deductibles, co-pays, and coinsurance for Medicare Parts A and B over a $500 member responsibility amount. Members of Medi-Share 65+ are also eligible for a 10-year price lock-in period, meaning their monthly contribution will not increase for 10 years after signing up.
Medi-Share 65+ does not cover prescription drugs. It also does not cover expenses arising from suicide or attempted suicide, self-inflicted injuries, abortion of a live fetus, DUI-related injuries, treatment for drug or alcohol addiction, injuries from activities with flagrant disregard for safety, and injuries resulting from the commission of a felony. Cost-sharing for motorcycle accident-related injuries is limited to $100,000 per plan year. Coverage of expenses outside the U.S. is limited to medically necessary urgent care, and only up to 80% of these expenses are shared.
Medi-Share 65+ provides flexibility in choosing healthcare providers, as members can see any doctor that accepts Medicare. Members also have access to discounts on other medical services not covered by Medicare, such as dental and vision care, through Medi-Share's negotiated rates with top medical vendors.
It's important to note that Medi-Share is not insurance and is not regulated as insurance. Instead, it is a healthcare sharing ministry where members voluntarily share each other's medical expenses according to member-voted guidelines.
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How does billing work?
Medi-Share is a healthcare sharing program where Christians share their financial resources to pay each other's eligible medical expenses. It is not insurance and is not regulated as insurance. Members are exempt from the individual mandate in the Patient Protection and Affordable Care Act.
Medi-Share 65+ is a program for seniors 65 and older with Medicare Parts A and B. It is a medical bill-sharing program that helps fill in the financial gaps left behind by Medicare. The 20% of medical expenses not covered by Medicare are eligible to be shared by Medi-Share 65+.
- Provider Submission: Present your member card to your provider and request that they submit your bill directly to Medi-Share. Your provider should recognize the logo on the front of your card. Bills can be submitted electronically using the EDI number on your Member ID card or by logging into the Medi-Share provider portal at availity.com. Alternatively, providers can submit bills by mailing a HCFA or UB form to the address on your Member card.
- Member Submission: If your provider refuses to bill Medi-Share directly, you may need to submit the bill yourself. You can submit your bill online by following the prompts to upload your completed HCFA or UB form and include a copy of the itemized bill. If your provider does not give you a HCFA or UB form, you can still submit your bill, but more information will be required and it will take longer to process.
- Reviewing Your Bill: Once you submit your form, you will receive a confirmation email with a case number. After processing is complete, you will receive another email directing you to review your EOS (Explanation of Sharing) available in the Member Center. You can download or print your EOS, but it cannot be mailed. Your total is listed next to "Member Responsibility Total" on your EOS, and this amount should match the provider's invoice.
- Payment: If payment is due, you will receive a check as reflected on your EOS and are responsible for paying your provider.
It is important to note that certain expenses are not eligible for sharing and should not be submitted for consideration, such as unapproved chiropractic care, routine/preventative services outside of well-child visits, and annual physicals with limited labs for new Medi-Share members. Additionally, Medi-Share members do not pay for abortions, drug addictions, or any other unbiblical lifestyles.
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How is Medi-Share different from Medicare Supplement Insurance?
Medi-Share is a healthcare sharing ministry for Christians to share their financial resources to pay each other's eligible medical expenses. It is not insurance and is not regulated as insurance. Members are exempt from the individual mandate in the Patient Protection and Affordable Care Act. It is a voluntary program where members share each other's medical expenses in accordance with member-voted guidelines.
Medi-Share 65+ is a program for seniors 65 and older with Medicare Parts A and B. It is a secondary option to help fill in the financial gaps left by Medicare. The program covers the 20% of medical expenses not covered by Medicare, as well as copayments and deductibles. It is not an insurance policy and is not offered through an insurance company.
On the other hand, Medicare Supplement Insurance (Medigap) is extra insurance that can be purchased from a private company to help pay the beneficiary's share of costs in Original Medicare. It is regulated as insurance and is considered creditable coverage. Medigap helps cover costs such as monthly premiums, deductibles, copays, and coinsurance.
In summary, the key differences between Medi-Share and Medicare Supplement Insurance are that Medi-Share is a healthcare sharing ministry for Christians, while Medicare Supplement Insurance is regulated insurance; Medi-Share is a voluntary program with member-voted guidelines, while Medicare Supplement Insurance is purchased from a private company; and Medi-Share is a secondary option to help fill financial gaps, while Medicare Supplement Insurance helps pay the beneficiary's share of costs in Original Medicare.
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What is Senior Assist?
Senior Assist is a program offered by Medi-Share, a healthcare sharing ministry for Christians. It is important to note that Medi-Share is not insurance and is not regulated as insurance. Senior Assist is specifically for individuals aged 65 and older who are enrolled in Medicare Parts A and B.
Senior Assist members are exempt from the individual mandate in the Patient Protection and Affordable Care Act. They voluntarily share each other's medical expenses in accordance with member-voted guidelines. This means that members share eligible medical bills that Medicare does not cover. The Annual Household Portion (AHP) is $1,250 for all Senior Assist members, and this amount must be paid toward eligible medical bills before they can be shared.
Senior Assist members have access to tele-behavioral health counselling services and prescription discounts through Navitus Pharmacy Solutions. They can also see any doctor that accepts Medicare.
Medi-Share 65+ is another option offered by Medi-Share for seniors 65 and older with Medicare Parts A and B. It is a supplemental alternative to help fill in the financial gaps left by Medicare. For a low monthly cost of $99, Medi-Share 65+ shares in the 20% of medical expenses not covered by Medicare.
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Frequently asked questions
Medi-Share 65+ is a healthcare sharing program for seniors 65 and older with Medicare Parts A and B. It is a supplemental option to help cover the 20% of medical expenses not covered by Medicare.
Medicare will be billed first and then sent to Medi-Share 65+ for any remaining eligible medical expenses.
Yes, you must have Medicare Parts A and B to be eligible for Medi-Share 65+. You can transition to Medi-Share 65+ when you turn 65 if you already have Medicare Parts A and B.
No, Medi-Share 65+ is not insurance and is not regulated as insurance. It is a healthcare sharing ministry where members voluntarily share each other's medical expenses according to member-voted guidelines.
