It's more than healthcare sharing.
When people support each other, great things can happen. This is the foundation of what Medi-Share is built on. Administered by the Christian Care Ministry, Medi-Share facilitates member-to-member sharing. Unlike other healthcare sharing organizations, Medi-Share is Christian faith-based. This means that in addition to members helping others with unexpected medical bills, members have access to spiritual support. After all, taking care of each other, physically, emotionally and spiritually, is the Christian way of life.
"...In January of 2011, I had a cardiac arrest. My husband gave me CPR and a roomful of paramedics finally revived me. I was then in a coma for three days and had to have a defibrillator inserted into my chest (ready in case my heart arrests again) as well as a week-long hospital stay and follow-up appointments. This cost was over $100,000. What would I have done without Medi-Share?"
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Q: What is Healthcare Sharing?
A: Healthcare sharing is when a group of people unite to help pay each other's medical bills. Medi-Share is based on the biblical principals of sharing others' burdens. Members contribute monthly "shares" to assist other Christians who agree to live similar lifestyles.
Q: What is my deductible?
A: Members do not have deductibles. Our Members select an Annual Household Portion ranging from $500-$10,000. Medi-Share is not and insurance company and it is not responsible for paying any portion of your medical bills. Rather, if your Eligible Medical Bill is paid, it is paid with funds received directly from other Members. With healthcare sharing ministries, the Member is always responsible for his or her own Medical expenses.
Q: What is the monthly premium?
A: Members do not have a monthly premium. Our members have a monthly "share" which is based on age and how many people are in a household. Members deposit their monthly share into their individual sharing account. Unlike Insurance, your monthly share goes directly into a fellow Member's sharing account to pay their medical bills. You can go online to see which bills are published for sharing and who's benefiting from your monthly share.
Q: Who makes the rules for the Medi-Share program?
A: Members make all the rules! All members have the opportunity to vote how they wish to care for one another. The Board of Directors reviews suggestions and recommends changes to the Guidelines about one a year. Members then vote on the proposed changes, whatever they may be.
Q: What about Healthcare Reform Laws?
A: You will be asked on your tax return about your compliance with the law requirement and you will indicate that you are a member of a healthcare sharing ministry and therefore exempt. Christian Care Ministry has met with Health and Human Services and the IRS, and their representatives have asked that Medi-Share members report their participation in a healthcare sharing ministry when they file their income tax returns.
Contact Jeanine for more answers to your questions.