Christian Care Ministry

They are just after your 'monthly sharing $$'. The don't tell you things like 'pre-existing' conditions and the fact that you will need to pay a physician every month to cover 'costs'. I go to the doctor once a year for a wellness check and was expected to pay a physician $200/mo AND my $199 monthly 'share'. When I cancelled, they still took out my 'monthly sharing $$' even after they told me they cancelled my auto pay and no funds would come out. What a joke. It saddens me that they call themselves Christians.

I've been with Medi-Share for 1.5 years, making my first request for sharing 4 months ago. They are nice people to deal with on the phone, and always willing to listen to you and pray for you, but when it comes to paying out any money for medical services, they are awful. The provider I went to for my shoulder/bicep surgery told me effective 1/1/20 they would no longer accept payment from MS, and now I see why. Despite following all of MS "rules" from pre-authorization requests to form submittals, it took them 5 months after my Jan 2020 surgery to finally send me a letter, refusing to pay anything toward my $20,000 surgery, citing a Pre-existing condition they found from my primary care physician in a notation she made in 2016 that I had previously reported to her (in 2014/15) that I had a sore shoulder, possibly torn rotator, and that I had it treated with my own blood platelets that solved my problem. In Sep, 2019 a picnic table fell on me, and xrays indicated I had a torn bicep and rotator, prompting the surgery. In the rejection letter, they also stated and implied that I had been dishonest with them because in 2016 I had also reported to my doctor that my right knee was sometimes sore, and that I failed to inform them that my cholesterol was high (it's averaged 200 past 10 years, and no Dr I've seen is concerned about it). In summary, MS will look at anything as far back as they can to try to find a reason not to pay. I'm now out of pocket $20,000, and would strongly recommend anyone looking at MECI-Share/Christian Care Miniseries look elsewhere...BTW, did you know they significantly raise your monthly sharing (premium) every July?

Sent to collections because it took 7 months for reimbursement and now stuck paying ~$2300 for a bill that was fully covered.
I have a compliant with Medi-share over a medical bill that took over 7 months to be shared. When Medi-share finally shared my bill it was already sent to collections without my knowledge. I received a settlement letter a few weeks ago that I was sent to collections over a year ago!! I had a C-section for my son on Oct. 2, 2018. I submitted my $2795 anesthesia bill from my provider on Oct. 28, 2018. It wasn't until Jan 15, 2019 when I got another bill from my provider that it still hasn't been paid. I looked at my bills on Medi-Share's website and found the explanation letter dated Jan 15, 2019 (85 days later) that I was missing the anesthesia minutes?! I was surprised because it was NOT on the list for needed information to submit a bill at that time!! However it's been added to list now but it wasn't on the list in 2018. So I called my provider and faxed Medi-Share the requested minutes on 2/2/2019. I also called Medi-Share to make sure they received it and was told it shouldn't take long to process since it was resubmitted. They can take anywhere from 30-45 days. So I also went ahead and made a minimum payment with my provider on Jan 15, 2019 to help keep my account in good standings just incase. Unfortunately, by the time Medi-share shared my bill on 5/29/2019 (111 days later) my bill was sent to collections. I've never been sent to collections before. I even called the collections agency and they stated they are not allowed to leave voicemails or send letters in mail until they make contact first. So if you don't answer unlisted-out of area calls then your SOL. I only received a letter a year later because it went to a settlement agency. So not only has my perfect credit score been dinged for the next 7 years but now I'm also stuck paying the remaining balance of the bill since Medi-Share only paid 1/5 of the bill based on their suggested adjusted rate. When Medi-share finally mailed my payment to the provider, my provider sent it to the collections agency without notifying me. I've learned so much about how collections works now, sadly!!! I've called Medi-share and the bill was escalated to their supervisors with no resolution. They are denying payment because they claim they followed all the guidelines! Even though they say they pay bills within 30-45 days. Well this one took a total of 196 days!! It's not my fault they wasted 85 days for missing information they lacked informing me about from the beginning. How was I to know they needed the minutes if it's not listed!! Well now it's been over a year since date of service so they say they can't do anything about it now anyways. I've tried calling the supervisors back but they won't return my calls. If Medi-share would have shared my bill in a timely manner this wouldn't have happened. I shouldn't have to make minimum payments to stay out of collections. They should stick to their policies (30-45 days) and have better time management. I shouldn't have to keep calling over and over to check status of all my bills. And after having a baby there are a ton of bills and no one took Medi-share so I had to submit them all on my own. I pay all my monthly dues on time and I've been with Medi-Share for 4 years. This is the first time we've asked for reimbursement. We met the AHP so this bill should have been 100% covered. Now I'm in collections and owe $2300!

As a believer in Christ and a pastor, I do not want to leave negative reviews and hurt businesses. However, I feel it is necessary that I write this review so that others who are considering Medishare can have an honest perspective.

When my wife and I were first married, we began using Medishare. We were customers for 7 years. At first, we loved it. It was affordable. We loved how our "share" was going to meet the needs of others. We loved that when we talked to them, they prayed with us at the end of the phone call. We also loved how easy it was. When we had our first 2 children, it was everything as advertised. We met our Annual Household Portion ("AHP) and then our needs were shared after we met our AHP. This all took place while we were living in Southern California with many "in network" doctors and facilities.

Then, we moved to the Mid-West. Although they market in our well populated Midwest city, there are very few in network doctors and facilities in our area. When we first moved here, we didn't realize how few doctors and facilities actually were in network. It was a surprise to us that everything became such a battle with our healthcare providers and Medishare. I spent my one day off a week on the phone for 3-4 hours every week either talking to healthcare providers and/or Medishare to resolve medical bills, miscommunications, or missteps.

This hit the hardest when our daughter was born and was in the NICU for a few weeks. Although that has now been over 1 year ago, I am still wrestling with Medishare and the hospital disputing bills. We may have had an "in network" doctor, but the hospital was "out of network". The hospital doesn't send payments to Medishare, so they send the bills to Medishare, Medishare rejects them, I get billed from the hospital, and then I need to act as my own representative mediating between Medishare and the hospital.

The hospital says these bills are overdue and that they are going to collections. Medishare now needs to send me a check to send to the hospital, but a medical bill isn't sufficient to prove this - Medishare need a certain form with certain details. So, I need to request that medical form of the hospital who then will mail it to me, then I fax that form with another Reimbursement form to Medishare, and then I need to wait 90 days until it gets processed. But since we are already 1 year passed the dates of service, Medishare's policy is that they will not reimburse passed 12 months a date of service. Meanwhile, the hospital is saying that they are sending the bills to collections unless they receive payment from me.

This is just one example. ONE example of our frustration and poor experience. We've paid thousands of dollars out of pocket that we shouldn't have paid because Medishare has not delivered. Healthcare providers called me asking for payment, I call Medishare asking why they haven't paid, they call the healthcare provider WITH ME on the phone asking for an extension to pay the provider, but every time they asked for an extension, they never delivered and never paid. My cases went as high as they could go in Medishare to get help and to rectify their mistakes, and yet they keep failing us even though we no longer have them as our healthcare solution. Healthcare providers have told me to report them for their misconduct because this is not how a business should be treating their clients or healthcare providers.

It is unfortunate I have to leave this 1 star review. If I could, it would be lower than 1 star as I spent another full morning dealing with these same issues I've dealt with since moving to the Midwest. It is such a relief now having real healthcare insurance. I know it is expensive and I know any healthcare solution will come with its head aches, but no one should have to go through what we went through especially after our hospital stay in the NICU.

I hope this provides a fair, honest, and balanced perspective of our experience with Medishare, and will help you in considering your future healthcare solution.

Medishare will not pay for my emergency appendectomy that happened in Dec 2019. I am being sent to collections.
In December I ended up in the emergency room due to my appendix had ruptured. I ended up spending 3 days in the hospital after the surgery because infection had spread.Medishare gave me the run around for months and so far on a $44,163.40 bill, they paid $471.61.I pursued this for 4 months & kept being told it went to the next level in the stages it needed to go through.On April 16, I was sent an email saying the charges were excessive & you "will receive an Explanation of Sharing (EOS) that indicates the entire amount of the bill is your responsibility." The notice also stated that a 3rd party would be getting involved.I called medishare and was continuously told a negotiation company would be in touch with me.I did finally hear from a representative from this company on May 11, and that person has tried to negotiate between the hospital and Medishare.The hospital has agreed to take 20% off the bill and medishare will not budge and pay it.I have been in constant communication with the hospital and they have been extremely helpful to me in not sending me to collections thus far. The next step is collections. I pay $485/mo to have this share program, which I understood would cover me in a medical emergency that was not a pre-existing condition.On April 22, Medishare required me to sign a release of 4 years of my private medical history, which I did, even though I feel this was excessive, since this was a ruptured appendix. I had to sign that I understood the following.... " I understand that if my protected health care
information is to be received by individuals or organizations that are not health care providers, health care clearing houses or health
plans/programs covered by federal privacy regulations, my protected information described above may be re-disclosed and no longer
protected by federal privacy regulations." Even though this was unsettling, to say the least, to sign, I did sign that day and returned to them, because they said it was required to move forward with the bill, BUT they are still refusing to pay. I have kept a log of almost all conversations with medishare. Last communication directly with medishare was May 8. My first communication with the 3rd party negotiation company was May 11 and I have not spoken directly with medishare since then, only the representative of SPS, which is the 3rd party negotiation company that medishare assigned. Last communication with the SPS representative was June 11, 2020. This complaint is ONLY against Medishare and not the 3rd party company brought in by medishare.

Still waiting on Reimbursement....90 days, 100 days, 120 days they just keep saying it's pending.
We have been "members" of Medi-Share since 2008. We had a great experience for 10 years. The last two years have been really bad. Our youngest daughter had brain surgery in 2017 - they were great things moved along and the team was "there for us". Since 2019 There are no children's hospitals in the state of GA that will work with them. Late in 2018 our oldest daughter had to have a scope done to see what was causing her gastro illness. We didn't get the bill from the hospital until April. We went back and forth for weeks - they would not even send the bill to Medi-Share. We were told we had to pay it and then send in a reimbursement form. We started making payments on it in June and finally paid it off in January. We submitted the reimbursement request and they denied it because the bill was over a year old. We didn't even know we had a bill until April, then we were told we had to pay it off before we could send it in for "REIMBURSEMENT" - now they are saying NO, you could have just sent us the bill and we would have paid it. The hospital would not give me the proper form to submit to Medi-Share for such submission. Now, there is "nothing they can do" even though as far as the hospital was concerned everthing was a go in December 2018. Then our youngest daughter had to have an MRI (annual follow up) from her Brain surgery in October. We had a spot contract in place. Then 2 weeks before the MRI we are told that the Hospital will no longer work with Medi-Share. WE are told by Medi-Share to pay the bill as "private pay" and get the private pay discount then send in the reimbursement form. We did not get the discount (because we have Medi-Share) and we paid yet another large bill, sent in the reimbursement form and have heard nothing. We were told it's still pending it will take 90 days. Then 120 days - now it's over 120 days and it's still pending. We are talking just under $5000 out of pocket expences thrown on us last year and Medi-Share is doing there best to postpone payment or reject the request all together. The stress that Medi-Share has caused on my husband and I in the past 2 years has been heavy. We just want this resolved so we can move on.

For a company that claims to work on Christian principles, they are VERY dishonest. Most of us know and follow the 10 commandments, but not this "Christian" based company. Especially "Thou shalt not steal"! As a physician, I treat patients from all walks of life. Some have the ability to pay and some don't. In this case, the patient had Medi-Share insurance. We did a surgery on him and then filed for payment. They notified my office that they were requesting records from some other physicians and that payment would be withheld until they received those records. Those physicians had nothing to do with the knee arthroscopy we performed on the patient. After multiple phone calls.......NO PAYMENT. How dishonest to STEAL from me and my family and claim to be Christian based. PRETTY PATHETIC!!!!!!

We decided to use them as local insurance for a young and healthy family was pricy. Monthly dues with Medishare seemed amazingly low and affordable. So we went with then. Months into the membership a family member had an emergency ( which never happens) and needed to go to the emergency room. Bills added up very fast and kept coming in. We realized that in the end it would have been cheaper not to have any insurance then go through them. Sadly, I cannot recomend them. They don't cover annual visits, children's wellness checks, vaccines, womens exams, admin fees, and much more.

I have been with Medi-Share for over three years now and couldn't be more happy with them . I've been healthy all my life thank God and basically had Medi-Share because of my age. You just never know when you hit 60.
Well, how surprised was I when I had a minor heart attack and had to have an emergency stent put in . Not only did Medi-Share pay the hospital bill promptly , they actually paid too much imho. These hospitals have you over a barrel with emergency heart situations since there is no time for Medi-Share to negotiate . I actually felt bad that the hospital gouged them . On top of all that , the heart health team is great and has been a great support to me encouraging me over the phone . Medi-Share has over-delivered as far as I'm concerned and I'm very satisfied with them.

I called to complain. BTW, I am a seasoned Bible student. The CS said the Board of Directors cannot be contacted. So they are the mystery people behind the curtain. Take it or leave it was the answer from the CS. Not my flavor to sign any contract like this for sure! Felt my soul was being tried here. My physical body is secondary. Eternity is the reward. I will look elsewhere for medical coverage.

Promotion for a free month for referring a member was bogus. Offered a free month but then did not pay as promised.
My son joined medi-share in Nov on my recommendation & was told that I would get a free month for referring him. I emailed in Dec asking why I did not get that free month. I was told I had to wait 90 days after my son was a member to get it. I waited until March 3rd then I called. I was assured I would get a refund within 2 weeks of my March payment. Instead I was emailed that I got points or a visa card on 3/16/20. I again called too ask what this was. It $100 in points. After speaking to 3 people including a manager I was told I did not go to my medishare page & claim those points so I did not get the month free because it was expired now. It had to be done in 30 days. I emailed within that 30 days & no one mentioned that I had to go claim it but was told to wait 90 days. I was told to wait - see attached email. That was false advertising in my book. Promise a free month (which is over $700) and switch it for $100 visa. I have been a member for 4 years but this unchristian-like practice is very disappointing to say the least. It is bad business practice and false advertising.

Medi-share won't pay hospital bill for my son. We've been their customer over 4 years. They are dishonest.
DISHONEST COMPANY!

My 18 year old son had an accident last May & was in the hospital for a few days. (This accident was not traffic related, no alcohol, no drugs, nothing of that kind.) We received multiple surveys, forms, & other documentation from both the hospital & Med-share that we promptly filled out & returned.

Several months later, we received a bill from the hospital for over $89,000! I contacted them & they said Medi-share hadn't paid them & hadn't contacted them. I reached out to Medi-share at that point. The EOB simply stated "payment due from member". They couldn't tell me what that meant (our monthly fees are deducted automatically, so that wasn't the issue - we have been members for over 4 years). They still haven't been able to tell me what that means!

In October, (5 months after the accident) Medi-share told me. the bill had "been elevated." I would need to speak to Mr. Alex H, Vice-President of Cost Strategy. I spoke with Mr. H who told me in no uncertain terms that the bill WOULD BE PAID, but they wanted to negotiate a better price with the hospital first. Fair enough I thought.

Fast forward 4 months - now we're in March. The hospital has still received no payment from Med-share. I've spent hours on the phone with them. They stated they resubmitted the bills to Medi-share multiple times, they've received forms that had to be filled out & returned, which they did, & still no payment & no explanation.

I've called Medi-share dozens of times & each time they tell me I have to speak to Alex H. Nobody else there can tell me why this bill hasn't been paid. I've left multiple voice mails for him, & he won't even bother to return my phone calls.

At this point, it seems like they are just going to ignore me (their paying customer), as well as the hospital & hope it all goes away in time.

Meanwhile, my now 19 year old son, a freshman in college, is about to be turned over to collections & most likely sued by the hospital for non-payment of this $89,000 hospital bill that Medi-share is responsible for.

I can't get any answers from anyone. I am frustrated that I trusted my family's financial future to such a dishonest & unethical company.

Mr. H & other employees at Medi-share - I hope you can sleep at night, because I cannot.

We've been using Medi-share for almost 10 years now and have found it to be a great choice for our family. I am self-employed and when O came out, my family was forced off our insurance plan and our rates were going to go up by 400%. Thankfully, I found Medishare. Our rates are still around half of what they would be on an alternative plan, and we have never had any problems with service. I had umbilical hernia surgery about two years ago, and Medishare payed the whole bill. I can't say enough about Medishare....it has been a great choice for our family!

After multiple appeals we were told my medical bill would be "shared". MediShare has not settled the bill and it is about to go to collections.
Medi-Share Household ID: ***
Medi-Share need number: ***

I had surgery for endometriosis on 9/12/19. A few weeks after the surgery we found out that Medi-Share would not be "sharing" (covering) the bill. However, based on their guidelines it should have been covered. So, we appealed their decision. We ended up having to appeal 3 times. All of the information regarding our appeals and the fraud we believe was committed by Medi-Share is in the attached document. It's the same document we sent to Medi-Share for our 3rd appeal that we ended up winning.

On 12/12/19, Joyce (from Medi-Share) contacted us (on a recorded phone line) to inform us that we won our most recent appeal and Medi-Share would be "sharing" all bills related to my surgery. She said it would take 30 days or less to settle all the bills related to the surgery. Since then, all the small bills have been negotiated and we have paid for every one of them in order to meet our Annual Household Portion (deductible). According to Joyce, we have met all but $172.92 of our AHP and that will be the amount we will pay towards the final and largest hospital bill which is currently $27,742.41.

In a few weeks, this hospital bill will be sent to collections and according to Piedmont Healthcare (the hospital), Medi-Share has not contacted them at all informing them that they will be "sharing" the bill nor have they reached out to negotiate the bill. The bill was originally $39,000 but was reduced by the hospital after I spoke with them and was not negotiated by Medi-Share.

I have called Medi-Share so many times trying to get information from them. I have spoken with Joyce multiple times, Vashti and Mike B. None of them could give me a straight answer on what was going on and basically said to give it time and call back later. They all assured me that Medi-Share was "working on it." However, I have spoken with multiple people in the hospital billing department over the past few weeks and they all confirm that the bill is showing as being my responsibility and it is showing as having been denied by Medi-Share.

Our next monthly payment of over $500 to Medi-Share is due by tomorrow. We have decided not to make this payment and instead use this money to file a lawsuit against Medi-Share for both the fraud committed when trying to deny our claim and now for not "sharing" a bill they said they were going to. Luckily, my husband is an attorney so we won't have to pay attorney's fees. But, most people aren't so lucky and based on the Revdex.com reviews and complaints about Medi-Share, it seems that what they are doing to us is common practice for them. It also seems that maybe the right direction would be a class action lawsuit against Medi-Share.

We cannot continue waiting on Medi-Share, especially since they say they process their bills in 30 days or less (they even wrote this in response to a public Revdex.com review on 12/20/19). Since we became members of Medi-Share in 2017, Medi-Share hasn't had to pay a dime for any of our medical expenses. Now that they are supposed to, they are stalling and it's going to affect my credit for many years to come. We do not take pleasure in having to take this to court. But, we are filing our lawsuit and will continue down this road unless Medi-Share processes
and "shares" this bill posthaste.

Ran into concerns < 1 month after becoming a member of Medi-share.
I was looking for a replacement for medical insurance and eventually signed up for Medi-share. I did my homework on Medi-share such as examination of the Revdex.com customer feedback and eventually decided to sign up.

I am extremely nervous about Medi-share standing behind me as a customer. I signed up as a member of Medi-Share on 12/16/19. On 12/18/19, I received an email promoting that the application fees ($50) will be waived for new members. Since it was 1 hour. First 2 reps wait time was >15 minutes.
2. Trust - I was told that the $50 application promotion would be reimbursed to me. It actually was not. Can I trust Medi-share 6-18 months down the road with little to no other surprises? I doubt it righ now. It took less than 1 month for me to run into my first questionable decision making from Medi-share.
3. Customer Priority - Customers do not appear #1 with Medi-share. A simple display of showing that customers are a high priority would be to honor simple and small $50 waiver as promised to a customer. Nope. They swept it under the rug.
4. Conclusions - Rules are rules. Not sign up during the window of the promotion is cut and dry. But, when signing so close before a promotion is activated, it is reasonable for some customers asking to be included. Most all other companies are happy to include customers who ask. After Medi-share stated they would honor a promotion request, they actually did not stand behind me as a customer.

I doubt I singed up with the right organization and one that I am glad to be a part of.

valid surgery bills denied by Medicare-share

Medicare has denied $15K in medical bills due to one form that was not submitted. All the medical providers had contacted Medicare-share to get confirmation of my insurance coverage and co-pay amounts based on this insurance plan I held. Medicare claims that they sent notices to my home asking for me to complete this form. Neither my wife nor myself recall getting these notices. We did get one notice which we promptly returned and Medi-share has on file, to confirm it was not Work related injury. They claim their request for the form was on our billing statement. The irony with this is that we had our premium withdrawn automatically and never looked at any monthly invoice. At no time did Mede-Share actually call us to ask fo this information and we didnt realize Medi-Share was not paying ANY of the medical bills was when we received collection notices from the providers. We called to find out why they were not paying for my medical bills and that is the first time we were told about this form being needed. This was June 2019. The surgery was October 2018. During this phone call that I made to Mede-Share the representative told me to complete the form but NEVER ADVISED that it was time sensitive in that if I didnt get it returned before October 2019, they would deny all of my medical bills. I was working in Thailand at the time and figured I would deal with it when I came back to the USA. I noticed the collections companies that the bills would be paid by Medicare-share and I would take care of it when I got back to the USA. In November 2019 I called Mede-Share to figure out the form situation, they bluntly advised that my time had expired two submit the form and they were not going to pay any of my medical bills which now totaled $15,000. To my knowledge, non of the requests from Medical-Share stipulated a deadline for completion. Even the representative I personally spoke to did not advise me that I was approaching a one year deadline to complete the form. The irony is, I am certain that neither of the medical providers who repaired my arm would have scheduled the surgery if my insurance was not going to pay for it, meaning... when they spoke to Mede-Share to check my insurance, Mede-Share MUST have told them it would be covered , for X amount less my co-pay. I was never told by the Surgery Center or doctors that I had to pay anything more than my co-pay and annual deductible, if there was a balance on my deductible. So now, they will not pay anything even though I paid 100% of my annual premium in a timely manner AND the surgery was valid and collectable under my health insurance plan. I feel this is a situation where Medical-share delays paying valid medical providers invoices to make the customer of Medical-share jump threw hoops to complete forms which are not necessary in order to process the claim. I have had various health insurers and had two shoulder operations and NEVER had to complete additional forms. My doctors have always handled the interface with the health insurer with no problems in billing payments at all. I verified in writing with the one letter I received from Medicare-share that this was NOT a work comp claim. I also believe this letter is a stalling tactic by Medical-share cause the information I already presented to the doctors clearly stated When, Where, How the injury occurred which was during non-work time. I personally feel that Mede-Share is unethical in the handling of my case and the fact is neither my wife nor I recall getting any notices about the form, nor did I get a warning when I called Medi-Share in late June 2019 to find out about why the claims were not paid. I truly believe they must know that laymen, like myself, who dont have a lot of interactino with health insurance companies and dont realize there is a clock ticking on information related to surgical procedures, that Medical-share banks on customers like me to drop the ball and not have to pay a valid claim.

We signed up for MediShare because we are small business owners. It was a good option for us that didn't break the bank on a monthly basis. Unfortunately, it just wasn't a good fit for our needs. Their processing for reimbursements is clunky and outdated and takes a LONG time. If you even get approved for a reimbursement. With three young kids, we found the AHP (deductible) to be so high (we had a $5,000) -- but we could not afford to pay more than $500 a month to make the AHP lower. This past summer my husband landed in the ER, unable to walk with a bulging disc. More than $10,000 in bills later, MediShare ruled this as a pre-existing condition. We were stuck trying to cover all these medical expenses ourselves! Ultimately we ended up leaving MediShare and got cheaper and better insurance through the Marketplace. I will say most customer service reps for MediShare are very kind.

We have been waiting 8 months for *** share to pay the 26,000 dollars that they owe us.
My wife and I have been with*** for 2 years now. Household ID number*** We've always paid our bills in full and on time. Upon the birth of our first child 4-6-2019 we submitted ***cal bill's that totaled 26,000 dollars. In which *** share told me the bill's would be paid in full no later than 150 days. 8 months later I have yet to receive a dime. Currently we are forced to pay 1100 dollars a month to the hospital to stay out of collections. Plus our household portion 693 dollars every month to ***. I've been contacting *** every 2 weeks for 5 months and have received nothing but excuses about how the bill is still in processing. So far we have paid 9,000 to the hospital and we can't keep this up much longer.*** keeps saying we've submitted everything that they need to process the bills. We've done everything we can possibly do and get nothing but headaches in return. We keep our end of the deal up every month and I expect*** to step up and do there job. We were doing financially great before***. Now I'm working 17 hours a day full time to barely keep my head above water. We are drowning in bills meanwhile *** pretends they are working hard to resolve the problem. We have yet to resolve 1 single bill. They are without a doubt causing our family financial ruin because of there incompetents and lack of diligence to resolve this problem. Meanwhile my family is paying the consequences.

This company mistreated us over and over again. One issue is I've called them dozens of times, every time they say they will call you back, and NEVER HAVE. NOT ONCE. I explain myself again and again, how this happens, they take my number, and NEVER CALL ME BACK.

We've been with Medishare about a year and a half. About 6 months ago I was diagnosed with a Neurological disease at M, and Medishare insists it is Psychological due to a billing code they found from one of the tests where they tested memory. So, we are left with thousands of dollars to pay.

Also, Medishare just doesn't pay many bills, and gives no explanation. Also, no one at medishare can tell you their first and last name, or even WHERE THEY ARE in the world. They won't tell you their name, where they are, and wouldn't even tell me their CEOs name or any phone number for their legal team. I am serious.

So, they treat you like garbage, then ask to pray for you. How much worse could it get?

We are quitting right now, and expect no further bills from Medishare. If we get any, I am disputing it with our bank, and possibly pursuing legal action. I've looked for a lawyer who specializes in this type of thing, but honestly now I'm wondering if it's worth my health to keep pursuing it.

Bottom line, STAY AWAY FROM MEDISHARE / CHRISTIAN HEALTH MINISTRIES.

I signed up for Medishare in 2018 because it was just too expensive to have coverage for my daughter and I with my husband's company. A Christian company that cares about their customers on an individual basis and even prays with you at the end of every call? Where do I sign up?! Everything was perfect; the price was right and the customer service was excellent. Until I got pregnant. I chose to have a midwife and a home birth for our child and that, apparently, was the wrong choice. I spent the next 9 months on the phone with Medishare up to 3 times a month first trying to prove that she is a valid midwife, and then trying to get her paid for her services. After jumping through countless hoops, it wasn't until after my daughter was born that someone told me that they will not pay for services rendered until all services have been rendered. Which means they would not pay a penny until after my 6 week follow up. I wish that was the end of it, but no. My pregnancy was perfectly normal all the way through until I started hemorrhaging instead of going into labor. My midwife told me to go to the hospital immediately, where the doctors confirmed that if I did not have an emergency C-Section, I would die and possibly my daughter as well. So of course, I did. There was a lot involved in keeping me alive, and even after we left the hospital with our beautiful baby, my husband was given a long list of things to watch out for in case he needed to rush me back to the hospital. After all of this, you would think we would be able to enjoy our children and the blessings they are. Instead, I now have a $26,000 hospital bill that Medishare refuses to pay "because the hospital refuses to work with them." My daughter was born in the beginning of August, it is now halfway through November and they called me the day before my bill is due to tell me that this particular hospital will not negotiate with them, so they won't pay anything and now it's my problem. My choices now, while we are trying to buy a house for our children are to accept a $26,000 debt that should never have been mine, or to voluntarily go to collections because they "might be able to work with the collections agency." No guarantees on the outcome, or if it will change at all. This is coming from the supervisor of the supervisors because I have called so many times for help that I have been escalated as far as I can go. And even she knew that it was wrong because she could not stop apologizing and when I asked, could not give me a reason why I should trust them.
Now I live in fear that anything will happen to my daughters or I, because their promise of taking responsibility for medical bills after the AHP has been met is a total lie. There is nothing Christian or Caring about the position they have put my family in and I'm sick about it.