One thing I do as part of this mission is try to understand any possible concerns or problems people have when it comes to Medi-Share. Potential new members will often search to learn about any complaints, which is the smart thing to do -- before trusting your family's health, you need to do your due diligence!
First, let's begin with the Better Business Bureau.
Medi-Share's BBB Status
Medi-Share Health Insurance Complaints
Every member of Medi-Share that I personally know has loved their experience, but with that said, here are the three most common complaints I've seen online along with my responses to them.
Medi-Share Didn't Accept Me
To become accepted as a Medi-Share member, you must meet certain standards such as living a Christian way of life. You will be asked about this on the application including your denomination and whether you do drugs or have other non-Christian habits. If you do, it's not a matter of price -- they simply won't accept you.
Medi-Share Requires In-Network Treatment from Doctors and Hospitals
While you can actually use any doctor, hospital, lab, or treatment facility you'd like as a Medi-Share member, what's true is that the ones that are in-network will be at by far the lowest cost with the largest negotiated discounts. Keep in mind that Medi-Share's PHCS network of doctors is tremendous. We have always had a very easy time finding in-network doctors or specialists.
So if you want to pay the minimum, just use the easy search feature to find the closest in-network doctors and specialists.
Medi-Share Didn't Pay My Bill
Members of Medi-Share vote on what expenses are eligible for sharing. Some expenses are eligible that normally wouldn't be with traditional insurance. See my family's cranial band story here for an example. Other expenses work the other way. For example, if you get into an accident while you're drunk, it will not be eligible for sharing because drinking and driving goes against a Christian way of life. Prescription drugs and chiropractic care are examples of expenses that can be eligible for sharing but with limitations.
The people who make this complaint about bills not being paid are usually not doing the basic research in advance. Simply Google or look at the guidelines to find if a particular type of expense is eligible for sharing. If you're ever not sure, give Medi-Share a call, and you'll usually be talking with a representative in a few minutes or less.
As Dave Ramsey has pointed out, Medi-Share has the longest and most consistent track record of paying member bills of all the Christian healthcare sharing ministries. So long as it's a normal medical expense eligible for sharing, your bill will absolutely get paid.
As always, let me know if you have any questions or comments, I am always happy to hear from my readers.