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Christian Care Ministries

Founded in 1993, the Florida-based Christian Care Ministry is one of the three largest HealthShare ministries in the United States and currently operates in all 50 states. Their sharing program, Medi-Share, serves more than 400,000 members and has shared in and discounted 2.6 billion dollars of medical bills to date. The program is designed for evangelical Christians and has some of the strictest member guidelines nationwide. All adult members must believe in God and a perfectly-translated Bible. Members must share a written testimony and provide evidence that they attend a worship service weekly and do not have any sexual relations “outside a Biblical Christian marriage.” They must also live a healthy lifestyle with no tobacco use and no substance abuse. Finally, the program guidelines suggest that members who are divorced or going through a divorce may not be able to keep their memberships. Any medical expenses related to non-compliant lifestyle choices (such as smoking, babies born out of wedlock, or STDs) cannot be shared.

Like other HealthShares, some people who want to join and are not perfectly healthy may have to join a health coaching program to be allowed membership. The Health Partner program costs extra, but these members get personal help making lifestyle changes to get them in better health. Similar to other programs, people over age 65 are not allowed to join; however, members who turn 65 after joining can either keep their membership or join the Senior Partner program, which uses Medi-Share as well as Medicare Parts A and B. Legal non-citizens are allowed to join, and parents with dependent children can include them in their membership.

The company website indicates that Medi-Share uses the Multiplan provider network and GoodRx for discounted prescriptions. Members can suggest and vote for changes to the membership guidelines annually, so they do have some involvement with how the program works.

Membership Requirements:

  • Written testimony of belief in God and a correct Bible (the verses given on the site are from the New International Version)
  • Proof of weekly worship attendance
  • Healthy lifestyle (including avoiding substance abuse and reckless, unsafe activities)
  • Sexual relations only within a “Biblical Christian marriage”

Key Considerations:

  • Members required to open a new bank account at a company decided by Christian Care Ministries, then deposit their membership fees there
  • Fees for late payments
  • Pre-existing conditions cannot be shared until someone has been a member for 36 consecutive months. These are capped at $100,000 per year, until someone has been a member for 60 months. After 60 months, pre-existing conditions can have $500,000 shared yearly
  • Only FDA-approved services and treatments are allowed
  • Uses “Annual Household Portion” (AHP); once members have spent their AHP on their medical bills, the rest of their bills can be shared
  • The website does not have a chart of plan options. Hopeful members need to give their information to see what their monthly sharing costs might be

Pros:

  • Member involvement in the Guidelines
  • Reviews indicate that most calls to the company include a prayer
  • Members who turn 65 will not be kicked off the program
  • Parents with disabled adult children can keep them as dependents
  • Multiplan and GoodRx are nationally recognized provider and prescription networks
  • Health Partner coaching program
  • Small discounts for healthy living
  • The website’s pricing calculator indicates that there may be very affordable plans since it seems to account for members’ locations, household size, and medical needs

Cons:

  • Strict, exclusionary membership guidelines
  • Divorcees may be at risk of losing their membership
  • Required to open a new bank account to join
  • Unclear pricing and plan options
  • Complicated maternity sharing
  • Confusing ADH system. Member reviews state that only part of many bills are counted toward the ADH, so it takes a very long time to reach the annual ADH and get bills shared
  • Sharing eligibility is only determined after a service. Medi-Share lets people call in with information about the provider, procedure, and location for a service, and their agents can do a “pre-review” to say whether this service will be shareable, but this is not binding, and after the service the company can change its mind
  • Complicated billing requirements for providers
  • Reviews state that providers listed on the Multiplan website do not always work with Medi-Share
  • Reviews state that Medi-Share requires perfect bill submission from providers in order to share
  • Reviews state that shareable bills drag on without payment for months. Several members claim to have gone to collections
  • Reviews state that calls and emails about anything other than a new membership are ignored or unanswered. Getting answers about bill sharing or cancelling a membership seems to be a challenge
  • Reviews state that members who had gone years without any sharing needs have found that their first real need is not shareable, or only partly shareable, or is only shareable in theory

Ideal Candidates:

  • Are strict, devout, conservative Christians
  • Are in perfect health
  • Can afford to pay all medical bills without help from sharing
Website mychristiancare.org
Religious Requirements Core Biblical Principles & Attend worship services
Need Processing Time 30-45 days
Caps Unlimited
Personal Responsibility $3,000, $6,000, $9,000 or $12,000 AHP options
Pre-existing Limitations After 36 months of membership, up to $100,000/year if no symptoms in the last 36 months, or $500,000/year if in the last 60 months.
Pre-existing exception(s) No
Wellness Visit No
Preventive Immunizations No
Screening for Mammogram No
Screening for Colonoscopy No
Mental Health 6 months max (new diagnosis only)
Provider Network PHCS Network
Need Processing Method Reimbursement
Telemedicine Yes, $35 per visit
Startup Fee 120.00
Renewal Fee 50.00
Prescriptions Discount Rx - Myrxprice, GoodRX, Needymeds
Maternity $3,000 AHP or higher, up to $125,000 shared
Membership Size 400,000
Community Start Date 1993

Reviews

HealthSharing Reviews 104 reviews
1.9 / 5
Yelp 16 reviews
1.5 / 5
Better Business Bureau 36 reviews
2.0 / 5
0 1.0 2.0 3.0 4.0 5.0

Christian Care Ministries Options

Medi-Share
Annual Out of Pocket Max Selected AHP ($1,000 to $10,500)
Shareable Cost Per Need 100% after AHP
Max Sharing Per Need
Extended Sharing N/A
Doctor's Office Visits After AHP, $35 copay*
Hospitalization Subject to AHP
Emergency Care After AHP, $135 copay*
Prescriptions For 6 months after incident
Maternity After AHP for AHP > $2,500
Note

Maternity: Conception has to be after joining, with maximum amount shared at $125,000.

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Are you or have you been a member of Christian Care Ministries? Please leave a review below so others can get a better sense of what it’s like to be a part of a healthsharing ministry! If you have any questions about Christian Care Ministries, contact us!
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