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Join the hundreds of thousands of members that have discovered MediShare works for their family’s healthcare needs.
MediShare is a healthcare sharing program, which means members share each other’s eligible medical bills.
It is important to understand that MediShare plans are NOT health insurance. As a Christian ministry, the concept is based on the Biblical principle of bearing one another’s burdens.
MediShare has now over 250,000 members and more than $1.7 billion dollars in medical bills have been shared and discounted.
Why Choose a MediShare Plan?
MediShare plan members vote on the guidelines.
Savings amounting up to 50 percent or more. MediShare plans have options available that will fit every family and budget. Monthly contribution for families average $350.
Based after the Book of Acts where people who are one of heart and mind, also shared what they had. Your money is never used to pay for procedures that do not align with your values.
MediShare plan members support each other and pray for each other when you need it the most.
Anyone who is a member of a MediShare plan is exempt from the requirement to carry health insurance, and is exempt from all Obamacare tax penalties.
Available All Year-Round
You don’t have to wait for an annual open enrollment period. You can join a MediShare plan at any time.
Member Benefits of MediShare Plans
24/7 Access to Providers
For non-emergency care, MediShare plan members have 24/7 free access to providers via video or phone.
You can choose a provider from one of the largest PPO networks in the country, or use your own provider.
Frequently Asked Questions (F.A.Q.) – View Story
Q: How does Medi-Share work?
A: As a Health Care Sharing Ministry, Medi-Share makes it possible for members to share the cost of each other’s medical bills. It’s an affordable, legal alternative to health insurance available for families, seniors, and even small businesses.
Q: What is the deductible for MediShare?
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.
Q: How much does MediShare cost?
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.
Q: Is MediShare Christian health insurance?
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.
Q: Who is MediShare for?
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.
Q: Is MediShare cheaper than health insurance?
A: In general, MediShare is much more affordable than both private and ACA health insurance plans.
Q: What is an “Annual Household Portion”?
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.
Q: How does MediShare work when I need care?
- 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).
- 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.
- 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.
Q: Do MediShare members have to use a provider network?
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.
Q: Does MediShare share for prescription drugs?
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.
Q: If I go to the emergency room will I need to pay the bill?
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.
Q: What is the MediShare health incentive?
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.
MediShare Pros and Cons
|Thinking of switching to Medi-Share? Here are some of the pros and cons:|
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Medi-Share Reviews Section
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Need to Stay In-Network
My friend has a healthshare plan that you can use anywhere. MediShare makes you stay within their network if you want all your bills to be eligible for sharing. But last year I broke my leg and MediShare took care of the whole thing. I’m going to stay put with them for now.
Waiting Periods are Too Long
My wife and I have been members for almost 3 years, but MediShare still wont pay for her diabetes costs. We’re going to be looking for a different program to go with.
A Hassle to Enroll, but Worth the Savings
One thing they don’t tell you is that you have to setup a dedicated bank account just to enroll, and that comes with a fee. I feel like signing up was a bit of a hassle. But I’m in this for the cost savings, so I suppose it was worth it.
MediShare has always been reliable for me. I just added my new wife and her kids to our sharing plan and it’s been great. We haven’t had to use it much but they’ve always been there for us.
They’ve Stepped Up Their Game with Telemedicine
I feel like MediShare has really stepped up their game with the whole telemedicine thing lately. I had Medishare a few years ago then switched to my work’s plan. Now that I’m working for myself, I’m back on MediShare. Maybe the pandemic had something to do with it but the telehealth benefit is great.
Our Doctor Doesn’t Take MediShare
We signed up only to find out that the provider we use doesn’t accept MediShare at all. Now we have to look for a plan that includes them in the provider network. I guess we should have checked first … lesson learned.
They Clearly Have a Lot of Customers
I’ve had to use my MediShare program a few times now. Both times the customer service was a little on the slow side, but other than that, I think they’re doing a great job. You can use the app to see which medical stuff can be eligible for sharing, so there are never any surprises.
Probably the best Christian health plan
My wife and I switched to MediShare after it was recommended to us by our pastor. A lot of people in our church are members actually. We were in a health sharing plan a few years ago, but we switched out of it after I got a new job with group care. Turns out, MediShare is still more affordable than what I can get through my company. We’ll probably stick with them from here on out.
I’m Loving the MediShare App
I take full advantage of telehealth whenever I can because it means that I don’t have to leave the house. The MediShare app makes it easy to track all of my appointments. It also acts as a membership card for anytime I do need to go to the doctor. I can also use the app to see which costs are shared, which helps me out a lot.
One Plan for the Whole Family
We switched over to a MediShare plan because we found out that we could get a single AHP for the whole family. That’s like having a single deductible for everyone, which is saving us a ton of money out of pocket. We really haven’t had to use it much yet, but so far, it’s going great!
I’m healthy so MediShare saves me a lot of money
I’ve been in a lot of different low-cost insurance plans over the years. I don’t like having a high premium, because I stay healthy and barely use my coverage. MediShare is even better than those plans, because the premium is a lot lower, but I’m still staying protected against the big stuff. I’ve only used my MediShare once, so I haven’t hit my AHP yet. But the staff has been great at helping me along the way.
Better Than Being Forced into Obamacare
Both me and my husband work full time, but we’ve never been able to afford health insurance from the marketplace. Without a subsidy, it’s been impossible for us to get covered. Since joining MediShare, we’ve been fully protected, and only paying a small fraction of those other plans.
They offer one Annual Household Portion per family!
The best thing about MediShare is that we only have one AHP for our whole family. It’s much more affordable than when we had an individual insurance deductible to meet for every one of us. As long as we stick to the network, it’s easy to know how much of our costs are going to be shared, and what kind of costs aren’t qualified.
The Medi-Share app is awesome
The Medi-Share app is awesome. You can handle all your telehealth appointments right there with your phone, as well as check on whether or not a certain procedure is eligible for sharing. It’s also a lot better than carrying a membership card around.
Great low cost alternative to Obamacare
Anything is better than being forced into an Obamacare plan that I can’t afford. Medi-Share was the first Christian health plan that I found, and I’ve been sticking with it ever since. I don’t get sick that often, so I’m able to save a lot of money. It can take about thirty days for an expense to be shared, but if you haven’t heard back, just call customer service and they’ll let you know how long it’s going to take.
MediShare is pretty reliable
MediShare’s customer service can be a little slow at times. But other than that, it’s been pretty reliable in terms of having my medical costs shared. There are some Christian health companies out there that are clearly just trying to take advantage of a fad, but MediShare has been around for a while and they’ve got their operation down pat.
MediShare is a good choice
As far as health sharing programs go, MediShare is probably one of the better ones. As someone who has been in and out of a lot of health insurance plans over the years, it’s good to find an option that finally works. I don’t use my health plan that much, so switching to MediShare actually saved me a ton of money over the last few years. They can be a little slow when it comes to sharing the cost of some procedures, so it’s always faster to check beforehand if it’s pre-approved.
I’ve been enrolled with Medi-Share for about 4 years. It’s been a great experience the whole time. It’s not quite the same as traditional insurance, but that’s actually working pretty well for me. This isn’t the first health sharing program that I tried either … There are some out there that aren’t nearly as good when it comes to actually getting your costs shared. My only advice is to make sure you read the member guidelines before you join, so you know exactly what to expect.
Satisfied Medi-Share member
I have been a Medi-Share member for over 4 years. We used it last year for an ER visit, and we use the Telehealth all the time. Everything has been easy, and I really love their strong Christian principles!
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