Medi-Share is a faith-based health care sharing community that allows members to share medical expenses. It offers nationwide access to providers and emphasizes community support through prayer and shared values.
Review the options currently listed for Medi-Share.
Medi-Share Complete
Faith-based health care sharing program for individuals and families.
$99.00
/ month
Care model
Membership
Network
PPO
States
Nationwide
Review plan details
Claims Process
Providers generally submit medical bills directly to Medi-Share. Bills are reviewed for sharing eligibility, network discounts are applied, and eligible amounts are applied toward the member's AHP before sharing.
Average Reimbursement Time
14–30 business days for member reimbursements
Requires Itemized Bill
Yes
Prior Authorization
Pre-notification required for inpatient hospitalization, non-emergency surgery, elective cardiac procedures, cancer treatment, organ/tissue transplants and specialty medications
The Monthly Cost Was Lower, but the Process Was Too Demanding
“The monthly contribution was attractive compared with other options I reviewed. Over time, however, the amount of document management and follow-up became frustrating. The cost savings were helpful, but I expected a healthcare membership to …”
2 / 5
Provider Access Was Flexible, but the Office Needed Too Much Help
“I appreciated having flexibility in choosing a provider, but the office was unfamiliar with the membership and needed more explanation than expected. I ended up coordinating between the front desk and support. Better provider-facing guidance …”
2 / 5
Eligibility Was Too Uncertain Before Scheduling Care
“My biggest concern was not being able to determine with enough confidence how a planned expense might be treated. I reviewed the guidelines and still had questions that were difficult to resolve. That uncertainty made …”
2 / 5
Portal Tracking Did Not Give Enough Useful Detail
“The portal showed that my information had been received, but it did not clearly explain what was happening next. I found myself checking repeatedly and eventually contacting support for clarification. More detailed status descriptions would …”
2 / 5
Support Was Courteous, but I Had to Follow Up Too Many Times
“The representatives I spoke with were polite and willing to help, but the issue took several conversations before I received a complete answer. I expected better continuity between contacts. Having to repeat details and check …”
2 / 5
The Billing Process Needed Far More Clarity From the Start
“My main frustration was not the final outcome but how difficult it was to understand the steps along the way. I had to ask repeatedly what information was needed and what would happen next. A …”
2 / 5
Savings Were Not Enough to Offset the Extra Work
“The monthly contribution helped with budgeting, but the administrative effort became a major drawback. I spent too much time following up on documents, portal statuses, and provider questions. The savings were useful, but not enough …”
3 / 5
Rules Were Available, but Clear Answers Were Still Hard to Get
“I read through the membership guidelines before moving forward, yet I still had trouble applying them to a specific expense. The information was technically there, but it was not easy to interpret. More practical examples …”
2 / 5
Provider Questions Became the Member's Responsibility
“My doctor's office had several questions about how the membership worked, and I ended up handling most of the communication. Support eventually helped, but I expected provider-facing guidance to be much more developed. Members should …”
2 / 5
Portal Tracking Needs Much Better Detail
“The portal gave me basic information, but it did not answer the questions that mattered most. I wanted to know what stage my submission was in and whether anything was required from me. Instead, I …”
1 / 5
Repeated Follow-Up Made the Support Experience Exhausting
“I tried to be patient because the representatives were generally polite, but I became frustrated after having to follow up repeatedly for the same issue. Getting a complete answer took too much time and effort. …”
2 / 5
Too Many Steps for a Straightforward Medical Expense
“The expense itself was not complicated, but the process around it became unnecessarily difficult. I had to provide information more than once and still was not sure what stage the review was in. Better instructions …”
3 / 5
The Cost Looked Better Than the Overall Experience
“The monthly amount was competitive, but the administrative burden became difficult to ignore. I spent more time than expected managing documents, checking statuses, and following up with support. Lower monthly costs are helpful, but I …”
3 / 5
Eligibility Questions Made Planning Care Difficult
“Before scheduling care, I wanted a clear understanding of how the expense might be treated. Even after reviewing the guidelines and contacting support, I still felt uncertain about the answer. That made planning more stressful …”
2 / 5
Provider Flexibility Did Not Mean a Smooth Appointment
“I appreciated being able to choose my doctor, but the appointment became complicated when the office did not understand the membership process. I had to spend time explaining and contacting support. Provider flexibility is helpful …”
2 / 5
Portal Updates Were Too Vague to Be Useful
“I checked the portal regularly, but the updates were often too general to explain what was actually happening. I could not tell whether something was under review or waiting for information from me. That lack …”
1 / 5
Support Was Professional, but the Process Felt Disorganized
“No individual representative was rude, but the overall support experience felt poorly coordinated. I had to repeat information, wait for follow-up, and contact the team again when promised clarity did not arrive. The service needs …”
2 / 5
Billing Required More Clarification Than It Should Have
“My first major expense exposed how unclear the billing process could be. I had to ask which documents were needed, when they should be submitted, and what would happen afterward. The process eventually worked, but …”
2 / 5
Monthly Savings Were Offset by Administrative Frustration
“I was drawn to Medi-Share because the monthly amount appeared more manageable than several alternatives. Over time, though, the repeated documentation and follow-up became a significant downside. The savings were real, but the amount of …”
3 / 5
The Guidelines Were Detailed but Still Left Important Questions
“The membership materials included a lot of information, but I still found it difficult to determine how certain expenses would be handled. The lack of clear examples made the rules harder to apply in practice. …”
