MediShare Plans

A: Health sharing members do not pay deductibles. Instead, members are responsible for an Annual Household Portion (AHP). Similar to a deductible, the AHP is the amount that must be covered before any additional costs will be eligible for sharing.

Your AHP will depend on the plan options you choose, but can range from as low as $1,000 to as high as $10,500.

A: The cost of your monthly plan with MediShare will depend on several factors. These include your age, location, and number of people that you are enrolling. In most cases, MediShare plans are about half the cost of unsubsidized health insurance.

You can run a free quote on all available MediShare plans at the bottom of this page.

A: MediShare is not health insurance at all, but rather a form of medical cost sharing. However, MediShare is a Christian ministry that is devoted to the idea of sharing one another’s burdens. All members will be asked to complete a non-denominational Statement of Faith, and agree to some healthy lifestyle commitments.

A: MediShare’s medical cost sharing plans are people who are tired of paying the steep costs of health insurance. Founded on the biblical ideals of community and generosity, MediShare is the perfect way for all Christ-followers to lower their monthly medical bills.

A: In general, MediShare is much more affordable than both private and ACA health insurance plans.

A: All MediShare plans come with an Annual Household Portion, or AHP. This is similar to a health insurance deductible, in that it’s the amount that the member must pay before cost-sharing kicks in.

MediShare offers programs with different AHPs, and members can change their AHP at any time for a small fee.

1. Choose a provider within MediShare’s PHCS discount provider network. Going out-of-network can lead to significant penalties. (In some special circumstances, you can get a penalty waiver).
2. Pay the provider fee. This is $35 for doctor office visits and $200 for emergency room visits. It’s paid directly to the provider during each visit.
3. The rest of your bill will then be sent to MediShare. They will then work to discount the bill as much as possible. If your Annual Household Portion (AHP) has been met, MediShare will take care of the rest of the bill. If your AHP has not been met, then you will must pay the provider that amount before cost sharing is approved.

A: MediShare members are highly encouraged to choose a provider that is within the MediShare PHCS provider network. Choosing an out-of-network provider will lead to penalties that will force you to pay more out-of-pocket.

A: If you have prescription drugs that are related to the treatment of an eligible medical condition, the costs can be approved for sharing. However, there is a lifetime limit of 6 months of prescription treatment for each unique medical condition.

A: MediShare members only need to pay the provider fee, whether it’s for a visit to a doctor’s office ($35) or an emergency room ($200). The remaining bill is then sent to MediShare where they work to discount the price. If the cost is approved and you’ve met your AHP, they’ll take care of the rest of the bill.

A: All MediShare members have access to the health incentive, which can reduce your monthly share amount by as much as 20%. To qualify, members must meet certain health requirements. These include maintaining a blood pressure of 121/81 or less, a BMI of 17.5-25, and more. To keep getting the discount, members must meet these health standards on an annual basis.