As a Heath 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.
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 additional costs will be eligible for sharing. Your AHP will depend on the plan options you choose, but range from as low as $1,000 to as high as $10,500.
The cost for your monthly plan in Medi-Share will depend on several factors. These include your age, location, and number of people that you are enrolling. In most cases, Medi-Share plans are about half the cost of unsubsidized health insurance.
You can run a free quote on all available Medi-Share plans at the bottom of this page.
Medi-Share is not health insurance at all, but rather a form of medical cost sharing. However, Medi-Share is a Christian ministry that is devoted to the idea of sharing one another's burden. All members will be asked to complete a non-denominational Statement of Faith, and agree to some healthy lifestyle commitments.
Medi-Share's medical cost sharing plans are for people who are tired of paying the steep cost of health insurance. Founded on the biblical ideals of community and generosity, Medi-Share is the perfect way for all Christ-followers to lower their monthly medical bills.
In general, Medi-Share is much more affordable and both private and ACA health insurance plans.
All Medi-Share plans come with an Annual Household Portion, or AHP. This is similar to health insurance deductible, in that it's the amount that the member must pay before cost-sharing kicks in.
Medi-Share offers programs with different AHPs, and members can change their AHP at any time for a small fee.
Here's how Medi-Share work when I need care?
1. Choose a provider within Medi-Share’s PHCS discount provider network. Going out-of-network can lead to significant penalties.
(In some special circumstances, you can get a penalty waiver).
Here's how Medi-Share work when I need care?
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.
Here's how Medi-Share work when I need care?
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.
Medi-Share members are highly encouraged to choose a provider that is within the Medi-Share PHCS provider network. Choosing an out-of-network provider will lead to penalties that will force you to pay more out-of-pocket.
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.
Medi-Share 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 Medi-Share 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.
All Medi-Share members have access to 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.