Medi-Share FAQs

Here are some answers to common questions that people have about the Medi-Share program.  You can also contact (800) PSALM 23 (800-772-5623)  to speak with a representative who would gladly answer any questions you may have.

What is the history of Medi-Share?
How is Medi-Share biblical?
How does Medi-Share serve as a ministry to the Christian community?
What kind of oversight is there?
Who makes the rules?
Why should I consider Medi-Share?
What are some other advantages of participating in Medi-Share?
Is Medi-Share Christian insurance? 
What is Health Care Sharing?
How does sharing occur?
Will my share amount change?
Is my share amount tax deductible?
Why do I need to set up an account with ACCU for sharing?
Is maternity shared?
How about adoption?


Q. What is the history of Medi-Share? 
A. In 1993 Medi-Share was organized, offering a formalized approach to healthcare sharing. Medi-Share households have saved and shared more than $825 Million in medical expenses since then. Medi-Share is administered by Christian Care Ministry, a 501(c)(3) organization. 

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Q. How is Medi-Share biblical? 

A. Taking care of each other was a way of life for Christians in the days of the Church.

And do not forget to do good and to share with others, for with such sacrifices God is pleased. Hebrews 13:16

Christians continued to care for each other well into the twentieth century. But after World War II, government programs and insurance companies assumed the Church’s role as caretaker. When medical costs soared, many churches found they lacked the resources to care for their members. Christians view not-for-profit ministries like Medi-Share as a way to reclaim their biblical mandate to care and provide for their brothers and sisters in Christ.

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Q. How does Medi-Share serve as a ministry to the Christian community?
A. Christian Care Ministry isn’t just a healthcare sharing ministry. We also highly value our Members’ spiritual needs and general wellbeing. Members can post medical health needs on the online PrayerStream and a Chaplain is available to counsel and pray with them. The Health Initiatives Department focuses on the physical condition of every Member, offering health counseling, education and resources.

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Q. What kind of oversight is there at Medi-Share?
A. Medi-Share is self-regulated by a Board of Directors. The Board of Directors is responsible for the policy decisions of the ministry.
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Q. Who makes the rules for the Medi-Share program?
A. The Members make the rules! That's right. All Members have the opportunity to vote on how they wish to care for one another. The Board of Directors review suggestions from Medi-Share Members and recommends changes to the Guidelines each year. Members can vote to expand what medical needs will be shared, change responsibilities, and otherwise modify the program.  Voting is used to help create, amend and change the program Guidelines; voting is not used for determining whether specific individual bills should be published for sharing.  

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Q. Why should I consider Medi-Share?
A. Members have chosen Medi-Share Christian Healthcare Sharing for many reasons:

1. Good Stewardship

Most Medi-Share members are able to significantly cut their annual medical expenses, leaving them with more of their income to support their families and the Lord's work.

2. Not Subsidizing Unbiblical Lifestyles

Medi-Share members and their dollars do not subsidize abortions, drug addictions, or any other unbiblical lifestyles that inevitably lead to the premature destruction of the body, mind, and spirit.

3. Sharing With Brothers and Sisters in Christ

Knowing that a specific Christian individual will receive your monthly sharing gift is very gratifying. Medi-Share members know that they are truly making a difference in the life of a beloved brother or sister in Christ. And, those receiving those gifts are greatly encouraged in their time of need by prayer and by the cards and letters that are often sent.

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Q. What are some of the other advantages of Medi-Share?
A. Members enjoy access to a team of health professionals in the Health Initiatives Department with experts including physicians and representatives from nursing, exercise physiology, nutrition, and physical therapy. This department answers health related questions and provides help to achieve optimal health, fitness, and performance. 

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Q. Is Medi-Share Christian insurance?
A. No. Medi-Share is not insurance. Medi-Share is a healthcare sharing program where Christians share their financial resources to pay each other’s medical expenses. Medi-Share isn’t insurance. Resources are shared directly between members. There is no pooling of funds as practiced by insurance groups. Christian Care Ministry and the Medi-Share program are not registered or licensed by any insurance entity, nor are we required to be. We do not collect premiums, make promise of payment, or guarantee that your medical bills will be paid. Sharing of medical bills is completely voluntary. 

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Q. What is Health Care 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 principles of sharing others’ burdens. Members contribute monthly“shares” to assist other Christians who agree to live similar lifestyles.
 When a bill is eligible for sharing based on the Guidelines, it is "published for sharing."  This is the act of notifying the membership of an eligible medical bill prior to its release for sharing using available Members' shares.

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Q. How does sharing occur? 
A. Every household has an individual account with our partner, America’s Christian Credit Union (ACCU). This account is used for the sole purpose of sharing. Each month, CCM matches up monthly share amounts with other Members’ Eligible Medical Bills and transfers funds between accounts to facilitate sharing.

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Q. Will my share amount change?
A. The guidelines state that your share amount is subject to change at any time. A share adjustment may be necessary if the amount of medical bills submitted for sharing exceeds the amount of monthly shares coming in.

Share amounts also change annually based on the age of the oldest person in your household. You will be notified via email and on your share notice of the impending change. It will be effective the month following your birthday month.

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Q. Is my share amount tax deductible?
A. The Ministry's CPAs have told us that your share payment is not deductible for federal income tax purposes as a charitable donation or as a medical expense. Since there is the strong possibility that your medical expenses will get shared by another Member, you cannot deduct your share as a charitable donation, even though Christian Care Ministry is a 501(c)3 not-for-profit ministry. And please keep in mind also, your share payment is not tax deductible as an insurance expense because Medi-Share is not insurance.

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Q. Why do I need to set up an account with ACCU for sharing?
A. This account with America's Christian Credit Union is used solely for the purpose of sharing medical bills. The monthly shares are deposited in the individual ACCU accounts to bring financial integrity and security to the sharing process. Without it, you cannot participate in Medi-Share. Learn more about the ACCU account here.

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Q. Is maternity shared?
A. Maternity is eligible for sharing, however, there are certain conditions depending on which AHP level you choose. There is a specific amount of Eligible Medical Bills per pregnancy that will be shareable after the Annual Household Portion (AHP) has been met. Please refer to Section VII. for specifics.

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Q. How about adoption?
A. Up to two adoption events can be shared per Household. However, there are certain conditions. For more information, please read Section VIII

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What is the deductible?
What is the monthly premium?
How does the claim process work?
So, Medi-Share is not insurance?
But if my monthly share goes directly to someone with a medical need, how does Christian Care Ministry afford to operate?
Why aren’t well-visits, routine care or preventative care shared?
What if there are a lot of medical bills one month and Christian Care Ministry runs out of money?

Q.  What is the deductible?
A. Members do not have deductibles. Instead, our members have an Annual Household Portion (AHP). Members choose an AHP ranging from $500-$10,000. A deductible means that both the member and the insurance company are responsible for amounts of the bill. Christian Care Ministry is not an insurance company nor is Medi-Share insurance, 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.

The AHP is the annual amount a household is responsible for before medical bills will be published for sharing. The AHP only applies to Eligible Medical Bills. For example, the first $1,250 of all Eligible medical Bills for your family (if you chose to have the $1250 AHP) will not be published for sharing. After that, ALL eligible medical bills will be submitted for sharing for the ENTIRE household. Not per person or per event, but one amount for the entire family for the entire year!

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Q. What is the monthly premium?

A. Members do not have a monthly premium. Instead, 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 personal bank account at ACCU. Unlike insurance, your money goes directly into a fellow member’s bank account at ACCU to pay their medical bills. It DOES NOT go to the ministry at any time. You can go online to see which bills are published for sharing and who’s benefitting from your monthly share.

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Q.  How does the claim process work?

A.  Members do not file claims, nor does the ministry handle claims because we are not an insurance company. "Claim" literally means that you have a right to someone else's money; remember, Christian Care Ministry does not pay your medical bills with its money. If your eligible medical bill is paid, it is paid with funds received directly from another member. Our members present their membership card to their service provider. The service provider then discounts the bill accordingly, if within the Preferred Provider Organization network. The bill is then sent to us where we negotiate for further discounts. Here, we review the services provided to determine if the bill is eligible for sharing. After the AHP has been met and if the bill is eligible, it is eligible for sharing among the other members. For more details on what is eligible and how the AHP works, please review the Guidelines.

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Q. So, Medi-Share is not insurance?

A.  No. Medi-Share is not insurance and Christian Care Ministry is not an insurance company. The program is a healthcare sharing program, facilitated by Christian Care Ministry. With insurance, an insurance company agrees to pay your medical bills with its funds. Healthcare sharing ministries, like Christian Care Ministry, facilitate member-to-member sharing. Your monthly share deposit each month does not go into a reserve at Christian Care Ministry. Instead, it goes directly to a family who has a medical need. Similarly, other families are contributing to help you through your time of need.

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Q. But if my monthly share goes directly to someone with a medical need, how does Christian Care Ministry afford to operate?

A.  Application and monthly administrative fees help pay to run the ministry smoothly. You will never have to negotiate your own bills or collect checks from other members. We do that on your behalf so you can focus on your family and healing.

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Q. Why aren’t well-visits, routine care or preventative care shared?

A.  Because we’re not insurance, we don’t act the same as insurance. While we often negotiate discounts for these sorts of visits, the primary purpose of Medi-Share, as expressed by its members is to help share members’ burdens. Burdens are those unexpected medical bills you are unable to plan for (ie. broken bones, cancer, etc). Our low monthly share amounts enable you to budget for your family’s routine care, which can definitely be planned. Good stewardship should be practiced by all, and we believe this method of healthcare helps promote stewardship among Christians. There are exceptions for well-baby care, Section VII. F.

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Q. What if there are a lot of medical bills one month and Christian Care Ministry runs out of money?

A. The program typically operates by paying the oldest Eligible Medical Bill first and bills are never prorated. If for some reason the amount of money (shares) available that month is less than the cost of the bills, we then operate on a “rolling basis.” The bills roll over to the next month and will be paid first.

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What is an "Annual Household Portion" (AHP)? 
How do I meet my AHP?
What if I want to change my AHP level?
How does CCM know I met my AHP?
What is the health incentive?
How do I apply for the health incentive?
Can I apply for the health incentive when I apply for the Medi-Share program?
Do my spouse and I both have to meet the criteria to qualify for the incentive?
Must I be a Medi-Share 2.0 Member to qualify?
Does the healh incentive renew each year?
How do I get an HbA1c test? 
Can I have my HbA1c test done elsewhere?
Where can I get the Health Incentive Verification Form completed?
When will my Health Incentive take effect? 


Q. What is an "Annual Household Portion (AHP)?"
A. The AHP is the dollar amount a Member Household must pay toward their Eligible Medical Bills during a 12-month period before their needs will be publishable for sharing. The AHP 12-month period begins with the Effective Date.

There are seven portions to choose from: $500, $1250, $2500, $3750, $5000, $7500, $10,000
Note: the $500 AHP is only available for participants ages 18-29 applying as a single.

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Q. How do I meet my AHP?
A. You will present your card every time you visit a medical provider. Your provider should submit your medical bills to CCM. They will be processed and discounted, and then your provider will bill you for the portion you owe. Once the amount you pay meets your chosen annual household portion level, your Eligible Medical Bills will be published for sharing.

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Q. What if I want to change my AHP level?
A. Members must apply in writing to switch Annual Household Portion (AHP). All family members in a household must switch together to the new AHP. There is an administrative fee of $75 to change AHP, and certain limitations apply as shown in the chart in the 
guidelines.

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Q. How does CCM know I met my AHP?
A. Your providers will submit all medical bills to CCM. At CCM, the bills will be processed and discounted if applicable. We would then apply eligible amounts toward your AHP or publish for sharing.

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Q. What is the health incentive?
A. A household may qualify for up to a 20% off their monthly share amount with the health incentive. All adult Members must meet certain health criteria. To qualify, Members must verify their HbA1c level, BMI and weight/waist measurement within 90 days of each other. Applicants for the incentive must obtain, at their expense, certified testing to document their results and annually thereafter to qualify. Participants must also complete a health-risk survey and commit to a healthy lifestyle. Adult children age 18-23 are not required to qualify for the household to receive the incentive.   For more information, click here.

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Q. How do I apply for the health incentive?
A. Once you join Medi-Share, you can complete the Health Incentive Application, which includes testing instructions. Once the results are received, you will be notified if you meet the criteria for up to a 20% savings.

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Q. Can I apply for the health incentive when I apply for the Medi-Share program?
A. No, you must be a Member to apply for the health incentive. However, you can order the test kit and complete the application to submit once your Medi-Share membership begins.

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Q. Do my spouse and I both have to meet the criteria to qualify for the incentive?
A. Yes, both adults must meet the criteria. However, adult children age 18-23 are not required to meet the criteria.

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Q. Must I be a Medi-Share 2.0 Member to qualify?
A. Yes. Only standard members of Medi-Share 2.0 qualify for the health incentive. A standard member is a member who is not a mandatory Health Partner.

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Q. Does the healh incentive renew each year? 
A. No. The health incentive does not automatically renew annually. Within 90 days of the Effective Date, the member(s) must submit new test results in order to determine if they still qualify for the health incentive.

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 Q. How do I get an HbA1c test?
A. You can order the HbA1c test by clicking here. The cost is $23 for each kit. The HbA1c test must be done with the testing kit supplied by CCM (other testing kits are not acceptable).

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Q. Can I have my HbA1c test done elsewhere?
A. Yes, however, the test must be done at a licensed lab where the blood is both drawn and tested (it must be a blood "draw," not "drop"). If you choose to get your test elsewhere, you will still need to download and submit the Health Incentive Verification Form.

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Q. Where can I get the Health Incentive Verification Form completed?
A. The Health Incentive Verification form may be completed by a credentialed health professional (Doctor, RN, RD, Chiropractor, Emergency Medical Personnel, or Fitness Professional). Please note that measurements for height and weight cannot be taken by an immediate family member and must be taken and submitted within 90 days of the HbA1c test.

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Q. When will my Health Incentive take effect?
A. That depends. All your results must be received, reviewed and approved by CCM prior to the 7th day of the month for the Health Incentive to be applied to the following month’s share amount. If after the 7th, the Health Incentive will not until the next month after.

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What do I do when I need to go to the doctor?
Do I need to pre-notify?
Do I need to use a PPO provider?
How do I search for providers in the PHCS network?
Is there a penalty if I do not use a PHCS provider?
What is the provider fee? 
Besides the provider fee, do I pay anything to the doctor or hospital when I visit?
Is routine care shared?
Are prescriptions shared?
What if I need an ambulance?
What if I visit the emergency room?
Is maternity shared?
How about adoption? 


Q. What do I do when I need to go to the doctor?
A. You are encouraged to have your providers submit all your medical bills to CCM. Once received, the following will occur:
1. Every bill is processed for eligibility and the possibility of discounting.
2. Any applicable provider fees are subtracted from the discounted amount.
3. The net amount owed by the member is determined.
4. If the medical bill is eligible for sharing, CCM determines whether the annual household portion has been met. If so, the net amount is published for sharing. If not, the net amount is applied to the AHP.

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Q. Do I need to pre-notify?
A. It is a member’s responsibility to present his or her ID card to the service provider during the visit. Members must direct the provider to pre-notify CCM by calling (321) 308-7777. Emergency/urgent care does not require pre-notification. However, notification of emergency/urgent care is required within 72 hours of service.

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 Q. Do I need to use a PPO provider? 
A. You are not required to use the providers in the provider directory. However, you may have to pay a penalty for using a non-network provider. Also, by using providers in the PHCS network, you are saving the members money because of the discounts we receive.

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 Q. How do I search for providers in the PHCS network?
A. Use www.MyChristianCare.org/PHCS, or by calling (877) 302-7427.

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 Q. Is there a penalty if I do not use a PHCS provider?
A. Yes, if you choose not to use a PHCS provider you may be penalized as using a PPO provider offers more savings for Members, including discounting. Section XI. explains the penalties, and how to apply for a penalty waiver.

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Q. What is the provider fee?
A. The provider fee is $35 for office and hospital visits and $135 for emergency room visits. This is the amount that a member must pay at each visit to a medical provider. Members are always responsible for paying the provider fee, even after the AHP has been met. Please note this does not apply toward the annual household portion.

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Q. Besides the provider fee, do I pay anything to the doctor or hospital when I visit?
A. No. Even if you know you have not met your AHP, you should have the providers submit the bills to CCM for discounting, to determine if they are eligible and whether they should be applied to your AHP. Your provider will then bill you for the net amount (which is the discounted amount minus the provider fee).

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 Q. Is routine care shared? 
A. Routine care is an ineligible expense for sharing. However, participants can still benefit from the provider discounts available by using “in-network” providers. Members should have their providers submit their bills to CCM.

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 Q. Are prescriptions shared?
A. Prescription drugs related to the treatment of an eligible medical condition are published for sharing. However, prescriptions are limited to six (6) months of treatment for each medical condition over the lifetime of the Member. All eligible prescriptions are applied toward your AHP and are published for sharing, if your AHP has been met.

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 Q. What if I need an ambulance?
A. The cost of an ambulance will only be shared in life-threatening situations and to the nearest facility capable of providing the medically required care. See Section VI. H.

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 Q. What if I visit the emergency room?
A. The cost of emergency room care may be eligible for sharing. The provider fee for emergency room care is $135. However, if you are subsequently admitted to the hospital, you only pay the $35 provider fee.

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 Q. Is maternity shared?
A. Maternity is eligible for sharing, however, there are limitations. There is a specific amount of eligible medical bills per pregnancy that will be shareable after the Annual Household Portion (AHP) has been met and the Additional Member Portion (AMP) has been paid, depending on which AHP level you participate in. Please read Section VI. for specifics.

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 Q. How about adoption?
A. Up to two adoption events can be shared per Household. There are certain conditions, however, and Section VII. E. should be reviewed for the specifics.

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Monthly Amounts

Family options average 
less than $300 a month

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