Christian Medishare Coverage for Georgia Indivduals and Families

Christian Medi-Share is healthcare sharing - not health insurance. Healthcare sharing is when a group of people unite to help pay each others medical bills. Since 1993 Medi-Share households have saved and shared more than 2.6 billion in medical expenses. Medi-Share is administered by Christian Care Ministry, a 501(c)(3) orginization.

Christian Medi-Share - Affordable, Biblical Healthcare

Is Christian Medishare Right for Me?

  • Monthly Cost - Christian Medishare is an affordable option to the higher cost ACA health insurance plans. Unlike health insurance coverage Medi-Share members do not pay a monthly premium, members pay a monthly "share" which is based on age and how many people are in your household.

  • Insurance Coverage - Christain Medi-share is not health insurance and Christian Care Ministry is not a health insurance company. The program is a healthcare sharing ministry, facilitated by Christian Care Ministry. Healthcare sharing ministries, like Christian Care Ministry, facilitate member to member sharing. Your monthly share each month goes directly to a family who has a medical need. Similarily, other families are contributing to help you in your time of need.

  • What is the Deductible - Members do not have deductibles. Medishare members select an Annual
    Household Portion (AHP). The AHP is the dollar amount that a Member Household must pay toward Eligible Medical Bills before any bill may be shared among the Members. The AHP only applies to Eligible Medical Bills. For example, if you have a $1,750 AHP, the first $1,750 of all Eligible Medical Bills for your family will not be approved for sharing. After that, ALL Eligible Medical Bills will be approved for sharing for the ENTIRE household. The AHP amount resets every 12 months on the effective date. AHP options are $1,750, $3,000, $4,250, $5,500, $8,000 and $10,500.

  • Are Routine Care or Preventive Care Expenses Shared? - Medi-Share is not insurance. While we often negotiate discounts for these sorts of visits, the primary purpose of Medi-Share, as expressed by our Members, is to help share Members’ burdens. Burdens are those unexpected medical bills (ie. broken bones, cancer, etc). The low monthly share amounts enable you to budget for your family’s routine care, which can be planned.

  • Is my Acceptance Gauranteed? - Member qualifications include Christian Testimony, Healthy Lifestyle, Application Review, Spouse and Children and Citizenship status. Refer to the Medi-Share guidelines for more details.

  • What about Pre-Existing Conditions? - Medical bills for diagnosis or treatment of a pre-existing medical condition, defined as signs/symptoms, diagnosis, treatment or medication for a condition prior to membership will ONLY be eligible for sharing as follows:

    • Up to $100,000 per Member per year (based on effective date) if: – the medical records state the diagnosis/condition has gone 36 consecutive months WITHOUT signs/ symptoms, treatment or medication OR – the Member has been faithfully sharing for 36 consecutive months

    • Up to $500,000 per Member per year (based on effective date) if: – the medical records state that the diagnosis/condition has gone 60 consecutive months WITHOUT signs/ symptoms, treatment or medication OR – the Member has been faithfully sharing for 60 consecutive months High blood pressure or cholesterol that is controlled through medication or lifestyle will not be considered a pre-existing medical condition for purposes of determining eligibility for future vascular events.

  • What about Prescriptions? - Prescription medications, including maintenance medications and allergy injections, are eligible for sharing for six months per each new condition that is not pre-existing. This includes prescription drugs that may be dispensed, injected or administered by a Medical Doctor (M.D.), Doctor of Osteopathy (D.O.), Nurse Practitioner (N.P.), Physician Assistant (P.A.), or Doctor of Podiatric Medicine (D.P.M.). Exceptions may be made in the case of medications for cancer and transplant recipients.