Orlando Harmon
Medi-Share is a faith-based healthcare sharing ministry that provides an alternative to health insurance. It is a non-profit organisation that allows Christians to share each other's medical expenses in accordance with guidelines adopted by its members. It is not insurance and is not regulated as insurance. Members voluntarily share each other's medical expenses, and neither Medi-Share nor its members are legally obligated to pay for another member's medical expenses. While it is similar to health insurance in that it shares healthcare costs, the key difference is that monthly share amounts go directly towards sharing in other members' eligible medical needs.
| Characteristics | Values |
|---|---|
| Nature of the program | Medishare is a healthcare sharing ministry, not an insurance plan. |
| Regulated as insurance | No. |
| Legal obligation to share medical expenses | No. |
| Eligibility for sharing | Christians sharing each other's medical expenses in accordance with guidelines adopted by members and administered by Christian Care Ministry (CCM). |
| Nature of costs | Monthly contributions go directly towards sharing other members' eligible medical needs. |
| Coverage | Does not cover all medical costs. |
| Cost | Generally less expensive than traditional health insurance. |
| Enrollment | Open enrollment year-round. |
| Nature of payments | Members pay a Monthly Share Amount, which varies depending on the Annual Household Portion (AHP), the age of the oldest member, the number of family members, and location. |
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What You'll Learn
- Medishare is a faith-based healthcare sharing ministry, not insurance
- Members voluntarily share each other's medical expenses
- Medishare is exempt from certain states' individual mandates that require health insurance
- Medishare offers a tiered system, with monthly share amounts varying
- Medishare is cheaper than traditional health insurance
Medishare is a faith-based healthcare sharing ministry, not insurance
Medishare is a community-based and Christian values-rooted healthcare sharing ministry. Members share a common set of values or religious beliefs, and they voluntarily share each other's medical expenses in accordance with those beliefs. It is important to note that Medishare is not insurance and is not regulated as insurance. Neither CCM nor any Medishare member assumes any legal obligation to share in the payment of any medical expense incurred by another Medishare member.
Medishare is an innovative healthcare solution for Christians looking to save money without sacrificing quality. It is a great option for people looking for a Christ-centred healthcare option. Most Medishare members are able to significantly cut their annual medical expenses, leaving them with more income to support their families and the Lord's work. Medishare promotes Biblical lifestyles by not paying for abortions, gender reassignment procedures, or any other unbiblical options.
Medishare is a healthcare sharing ministry that is exempt from certain states' individual mandates that require people to have health insurance or face penalties. Medishare allows for open enrolment year-round, so members are not bound by traditional open enrolment windows. Members pay a Monthly Share Amount, which varies depending on the Annual Household Portion (AHP) selected, the age of the oldest member in the household, the number of family members participating, and where they live. It is important to note that Medishare operates on a tiered system, meaning that families with more members do not necessarily pay more.
Medishare is a healthcare sharing ministry that strongly emphasises biblical values and community support. It provides an alternative to health insurance by allowing members to share medical expenses in a community that adheres to Christian values. Medishare offers different program options to meet the varying needs and budgets of its members, primarily through two plan tiers: Medishare Complete and Medishare Value. Medishare is based on the Biblical principle of mutual burden sharing, according to the practices of early Christians described in the Book of Acts.
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Members voluntarily share each other's medical expenses
Medi-Share is a faith-based healthcare sharing ministry, providing an alternative to traditional health insurance. Members voluntarily share each other's medical expenses, in accordance with guidelines adopted by the members and administered by the Christian Care Ministry, Inc ("CCM"). This means that members directly share their financial resources to pay for each other's medical costs, without any pooling of funds as practised by insurance groups. This approach is designed to save members money without sacrificing quality care.
Medi-Share has been in operation for over 30 years, with more than 350,000 members across all 50 states. Since 1993, members have shared and discounted over $8 billion in medical bills. Members are exempt from the individual mandate in the Patient Protection and Affordable Care Act.
It is important to note that Medi-Share is not insurance and is not regulated as insurance. Neither CCM nor any Medi-Share member is legally obligated to contribute to the payment of another member's medical expenses. This means that members do not assume the same level of financial security and guarantees as they would with traditional insurance.
The eligibility of medical expenses for sharing is determined by the guidelines adopted by the members and administered by CCM. These guidelines are based on biblical values and exclude costs arising from "unbiblical" lifestyle choices. For example, Medi-Share does not cover elective procedures that are not medically necessary, such as cosmetic surgeries, or expenses related to substance abuse, abortion, or hazardous activities.
Medi-Share's approach to pre-existing conditions is detailed and compassionate, balancing the need for comprehensive care with the principles of a healthcare sharing ministry. Members must submit their medical bills, and Medi-Share will cover the expenses they agree to, sending a lump sum payment to the member. This process is more seamless and straightforward than similar programmes, where members receive reimbursement cheques directly from other members.
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Medishare is exempt from certain states' individual mandates that require health insurance
Medishare is a faith-based healthcare sharing ministry that provides an alternative to health insurance. It is a non-profit organisation that emphasises biblical values and community support. Medishare members voluntarily share each other's medical expenses in accordance with guidelines adopted by the members and administered by the Christian Care Ministry, Inc ("CCM").
Medishare is not insurance and is not regulated as insurance. CCM and Medishare members do not assume any legal obligation to share in the payment of any medical expense incurred by another Medishare member. Medishare members are exempt from the individual mandate in the Patient Protection and Affordable Care Act. Certain states expressly exempt from insurance regulation healthcare sharing ministries that post a specific notice. While Medishare does not rely on such exemptions, it has elected to publish these notices.
Medishare is a community-based approach to healthcare, rooted in Christian values. It offers members a lower monthly share amount, the opportunity to support fellow members through their healthcare challenges, and the affirmation of their Christian values. Medishare members share a common set of values or religious beliefs, and they voluntarily share each other's medical expenses in accordance with those beliefs.
Medishare members pay a Monthly Share Amount, which varies depending on the Annual Household Portion (AHP) selected, the age of the oldest member in the household, the number of family members participating, and where they live. It operates on a tiered system, meaning that families with more members do not necessarily pay more. Medishare is a great option for people looking for a Christ-centred healthcare approach, promoting good stewardship and biblical lifestyles.
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Medishare offers a tiered system, with monthly share amounts varying
Medishare is a faith-based healthcare sharing ministry, providing an alternative to traditional health insurance. It is a non-profit organisation, with members voluntarily sharing each other's medical expenses, in line with Christian values and biblical principles.
Medishare operates on a tiered system, with monthly share amounts varying. The Annual Household Portion (AHP) is a key factor in determining the monthly share amount. The AHP is the amount a household commits to paying before eligible medical expenses can be shared. The AHP can range from $3,000 to $12,000, with a higher AHP resulting in a lower monthly payment. For example, a family of four choosing a $9,000 AHP may have monthly payments ranging from $650 to $850. The age of the oldest member and the number of family members are also considered, with Medishare's pricing designed to be flexible and transparent, empowering members to choose options that fit their specific needs.
Medishare's tiered system and pricing structure aim to provide an affordable, community-driven solution for Christians, allowing them to share medical expenses in a way that aligns with their values and beliefs.
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Medishare is cheaper than traditional health insurance
Medishare is a non-profit healthcare sharing ministry for Christians that provides an alternative to traditional health insurance. 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 the Christian Care Ministry (CCM).
Unlike traditional health insurance, Medishare members do not pay premiums to an insurance company. Instead, monthly share amounts go directly towards sharing other members' eligible medical needs. This is a more affordable option for many, as the typical family saves $500 per month after switching.
While Medishare is generally cheaper than traditional health insurance, there are some out-of-pocket costs that members must pay. To receive cost-sharing benefits, members must first pay a certain amount out of pocket, known as the Annual Household Portion (AHP). This functions similarly to a health insurance deductible. Additionally, Medishare does not cover all medical expenses, and members may have to pay out-of-pocket for certain ineligible costs.
Medishare's approach to healthcare costs is simple and seamless. Members can present an insurance card to healthcare providers, and the bills are sent directly to Medishare for adjudication. Medishare then sends a lump sum payment to cover the eligible expenses. This process is much more straightforward than traditional insurance, which often involves complexities with plans, deductibles, and copays.
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Frequently asked questions
No. Medishare is a health care sharing ministry and not an insurance plan. It is not regulated as insurance, and neither CCM nor any Medishare member is legally obliged to pay another member's medical expenses.
Medishare members voluntarily share each other's medical expenses in accordance with guidelines adopted by the members and administered by CCM. Members pay a Monthly Share Amount, which varies depending on factors such as the Annual Household Portion (AHP), the age of the oldest member in the household, and the number of family members participating.
Medishare is a faith-based health care sharing ministry that emphasises biblical values and community support. It functions as a cooperative, where members contribute monthly "shares" to help pay the eligible medical bills of other members. There is no pooling of funds as practised by insurance groups.
Medishare provides an affordable and supportive health care alternative for Christians looking to save money without sacrificing quality. It offers a simple process with less complexity than traditional insurance plans and provides open enrollment year-round.
Medishare does not cover elective procedures, such as cosmetic surgeries, that are not medically necessary. It also does not cover costs that arise from "unbiblical lifestyle choices", including substance abuse, abortion, or injuries sustained in activities deemed hazardous or morally questionable.
