Lets take a look at How MediShare Works.Medical insurance has been at the forefront of American minds for years now. Rising costs have led to many calls for reform within the American medical system, but others have developed their own solutions for the problem. One unique solution is a program known as Medi-share. Much like any new program, there are a lot of unknowns regarding Medi-share. The biggest of these being what exactly is Medi-share, and How Does MediShare Work?
Medi-share is a truly unique health insurance option in that it is not really health insurance. According to the official Medi-share website the program does not include any contractual agreement to pay medical bills. Instead, users are matched with each other to help pay for medical expenses through community giving. Users pay a monthly premium that is then used to help pay the medical expenses of another member. When that user then has their own medical expenses to deal with, the community reaches out to help them cover their bills.
Medi-share offers members a variety of plans for individuals and families, and boasts a plan to fit any budget. Under Medi-share 2.0, members determine their monthly payment based upon an Annual Household Portion (AHP) level.The (AHP) is very similar to a Deductible. In other words, users determine how much of their yearly medical bills they can afford to pay before Medi-share publishes bills for payment support. Medi-share plans include the following seven AHP levels:
- $500
- $1,250
- $2,500
- $3,750
- $5,000
- $7,500
- $10,000
The price for each monthly plan is also determined by the number of individuals covered. After the AHP is determined, prospective members need to select the number of individuals in the household (one, two, or a family of three or more), and provide the age of the oldest individual the plan will cover. All these factors play into the final monthly payment owed.
Medi-share also offers a special plan for senior citizens called Senior Assist. The goal of the plan is to assist those with Medicare Parts A and B by covering the gaps in their Medicare coverage. Senior Assist is available to those who apply, ideally, before their 66th birthday. The Senior Assist program works the same way as the general Medi-share program, where other members help cover medical expenses. However, the coverage is limited to the following expenses:
- Copayments
- Deductibles
- Hospitalization
- Stays in skilled nursing facilities
- Urgent care at out of country providers
Medi-share may seem like, pardon the pun, a gift from God. A faith-based community of strangers banding together to help one another cover their medical costs, but enrollment does come with a hitch. Those who wish to become members must be able to prove their faith in the following ways:
- Regularly attend services and actively support a ministry
- Complete a Statement of Faith and have a verifiable testimony of a relationship with the Lord
- Believe biblical doctrines that view the body as a pure entity and treat it as such
- Not engage in sexual intercourse outside of a Christian marriage
- Not use tobacco or abuse drugs or alcohol
Medi-share is indeed a unique program for providing assistance with medical care, but unlike health insurance programs this route uses blatant discrimination to prevent certain individuals from benefiting from its service. Mychristiancare.org specifically points out that only those engaging in sexual intercourse within a “Christian” marriage are allowed to join. This immediately eliminates gay, lesbian, and transgender individuals from enrolling in Medi-share. The program also places limits on services it covers based upon religious beliefs and states specifically that abortions will not be covered under any circumstance.
To be clear, Medi-share is not an insurance program. Medi-share operates as a non-profit group and while members pay into a group fund each month, the money is never Medi-share’s money. Furthermore, Medi-share is not required to pay any bill, nor keep cash reserves on hand.
How Does MediShare Work
Medi-Share is also mentioned in these articles as well .
http://www.facebook.com/NewsOnHC
1. http://www.newsonhealthcare.com/healthcare-bill-exemption/
2. http://www.newsonhealthcare.com/top-alternative-health-insurance-providers/
3.http://www.newsonhealthcare.com/medi-share-an-alternative-to-traditional-health-insurance/
4.http://www.newsonhealthcare.com/medi-share-qa/
How Does Medi-Share Work
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If you would like more information on Medi-Share please feel free to call me at 1800-772-5623 #2339. I would be happy to explain the program and go over the options available to provide you affordable healthcare that fits your needs.
Nancylynn Anderson
It’s about time some one wrote about this.
My husband has been self employed all year, we have two children and it was a difficult decision to go with Medi-Share but we decided to take a leap of faith and give them a try.
We became members in February of 2011 and shortly after I came down with a strange abdominal pain. I went to several doctors and no one was able to figure out what was wrong. Medi-share decided (due to one doctors comments of a possible cause) that the condition was pre-existing so they didn’t cover it. This has continued all year–they even refused to cover a sinus infection saying it was pre-existing because I had one a year prior.
They have not covered a single bill since we took them out. (They did however apply a PPO discount to every bill of about $60 which caused us to not be considered for self pay…. Meaning a $4,000 medical bill was reduced $60 instead of about 50% for a self pay discount)
A few months ago, my husband and I decided to expand our family and when we finally got pregnant I contacted medi-share and made sure they would cover the pregnancy and they agreed. However I just got a call today from my doctors office saying that medi-share contacted them and claimed my pregnancy was pre-existing and they would not cover it.
We are now $16,000 in debt with medical bills and are out our monthly payments to medishare for the past 10 months.
We also had a savings account through them which my husband just tried to get the money out of since we are canceling medi-share and they said it was not our money. (That’s illegal right?)
Be very wary of this organization–
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