I want people to see this site and come to it when they're considering joining a Christian healthcare sharing ministry. I want everyone to see how huge a blessing Medi-Share has been to us and so many families like us -- thousands of dollars in yearly savings, exceptional support, and true compassion.
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.
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 has an A+ rating with the Better Business Bureau as of 2020. After 26 years of consistently getting its members' medical bills paid, with hundreds of thousands of current members, there are only 14 complaints currently on file with the BBB. For comparison, Esurance has over 300 complaints in the past three years alone with an A- rating, and Aetna has almost 600 complaints.
So when it comes to the BBB, Medi-Share has the highest possible rating and very few complaints relative to the number of members they have.
Medi-Share Health Insurance Complaints
On Google, it appears that some people are searching specifically for health insurance complaints. It is important to keep in mind that while Medi-Share acts very similarly to insurance in most ways, there are important differences between health insurance and Medi-Share.
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.
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
If you look at the Medi-Share BBB complaints, this is the top one -- someone completed the application and wasn't accepted into Medi-Share. (They wanted their $50 application fee refunded as well, which Medi-Share replied promptly saying that they had done.) This is one of the differences between Medi-Share and insurance. Typically the way insurance works is that the questions they ask when you join are just to set the price. They don't care if you smoke, for example, so long as you're willing to pay more.
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.
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.
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