Medi-share review after 12 years (& what we pay each month)

[@pursueadventure]

We've been with them for almost 3 years, through a pregnancy and birth, and have had nothing but great experiences. Honestly Christ Care Ministry (Medi-Share) has been a massive blessing, I truly don't know how we would afford coverage if not for them. I have an Aunt and Uncle that have been with them for 20+ years and only have good things to say as well.

[@SeedTime]

Thanks for sharing

[@murphymcnugget9591]

How was it through your pregnancy? How much out of pocket did you have to spend?

[@tomlauhon2240]

We have been medi-share members since 2016. $12k ahp. Our experience has been exactly like you guys described. It started with worry if this is a legit business, then to the wierd looks at the doctor office front counter, then to use it and go thru the process it is actually works great. Medi-share is legit an we support their efforts. On the comment you mentioned sometimes it's easier to tell doctor office you are cash pay customer. That we have found to be crazy huge savings. The whole medical pricing industry is so shady. We have learned it is ok to ask prices before going to doctor, except emergency obviously, and to shop around.

[@SeedTime]

100% agreed about the medical industry and their pricing - it is really unfortunate because so many are hurt by the way they handle things

[@jeremewright6962]

So is that the right way to tell a provider who has no clue what Medi-Share is, that you're self pay (i.e. just give me the bill)? I guess every provider is different but curious if telling them you're "self pay" or a "Cash pay customer" will suffice? In case you couldn't tell it's engrained in me to just comply and pay what conventional insurance has told me to pay :) but excited about potential of joining Medi-Share.

[@tomlauhon2240]

@@jeremewright6962 As a member you do get an actual "insurance" looking card with the certain types of numbers they would need for submitting claims. However, I usually don't bother with it. So yes, I just call to make my doctor appt, and then ask if they have discounts for self pay or cash pay customers that don't have insurance. Then the appointment maker person sometimes doesn't know, so then you ask for the billing department. If you can get that person on the phone or in person, then that is who always knows exactly what you mean and will be your best resource. Sounds like a lot of work? Ok, maybe. I have a many of examples doing this quick excercise saved us a ton of money. One Example: Setup appt with allergist. Asked on cash pay over phone. They said price was $900 for the testing. Self pay would be 40% discount. "Same day" self pay was extra 25% off (so 65% discount total). Then came the actual appt. I had to remind them I was paying that day, twice. After testing was done, paid up and the total was $245 all in. I know, the math doesn't work. Never does, but I saved a bundle being my own advocate. So say this strategy goes south on you. No big deal, then you can bust out the insurance card after the fact and have them do the normal billing process.

[@jeremewright6962]

@@tomlauhon2240 Thanks a bunch for the info. That's what I figured and how it'll go. Slightly nervous about making the switch but I know it's the right thing to do. Currently paying about 900 per month for family insurance - that's not counting the employer subsidy (another 350). It's crazy. Anyways, thank you for these details! These are INCREDIBLY helpful as my wife and I prepare for the switch.

[@BeaHapi]

Hello! I just started as a Medishare Consultant. Your video warmed my heart. Thank you❤

[@ConnieFoster1]

Thanks for this video. I'm self employed and my new husband is an immigrant in the long process of getting his green card. We were both able to sign up. Hoping it will work if we ever need it!

[@RobertDean-x5e]

Ask them how they deal with medical bills out of the country and you’ll get a vague answer. I wonder if the fact that they’ve never not paid on a claim includes overseas. Recently, I went to Aruba and was very concerned how my outcome would transpire if I hurt myself on the beach or got ran over by a car etc. etc. 🤷🏻‍♂️ . There a Christian based company but they sure don’t act like it, I get emails from them saying I owe three months or $1500 when I’m all paid up and when I attempt to call them it’s a huge hold time or if you email them you have a 50% return rate on the email, I would not recommend this company !

[@Sylvia-ex1nq]

I usually get travel/trip insurance for a small fee

[@hartfischer5509]

Thanks for your videos. I joined Crowd Health 2 years ago, and I have nothing but praise for them so far.

[@CityMouseInTheCountry]

I’ve been considering this for a few months. Signing up today- thank you!

[@Tom-zp4xp]

Don't, they are unorganized and won't pay

[@joephu]

My Bluecross deductible is now just shy of $15K so this looks very appealing

[@zepplin839]

Careful. They are not regulated. They can just choose not to cover something and there's not a thing you can do.

[@michaeldonahue4584]

Am I able to use my previous HSA funds, to pay for my wife’s and kids medical bills while they use medishare. I am going to use my company provided HSA, and I have a nice HSA cushion built up.

[@chumbawumba1959]

Great video update (I have seen your 2018 version) ... one thing, when discussing directly with MediShare sign up specialists, they say if you go to a non-PHCS provider, then you are treated like a 'cash customer' ... in that case, why would a non-PHCS provider even need to know what MediShare is ... or in practice do you discuss with practice/provider and try to negotiate pricing??

[@BlaineShillington]

Can the Tele-health doctors send prescriptions to a local pharmacy for you if they can diagnose something through the meeting? Example, something like a sinus infection where symptoms are pretty obvious through Q&A.

[@SeedTime]

Yep they can!

[@JoyTrigo]

You mentioned prescriptions are covered for 6 months - so the other 6 months you pay full price? I know they negotiate a price at the pharmacy, so you pay that and it goes toward your Annual portion? Thanks for the video - very helpful

[@Moonless6491]

It's a scam that only works for healthy people. It's catastrophic Healthcare at best. It's not legally bound to pay your bills

[@JenniNJeff]

Yeah, that confuses me as well. I have an ongoing prescription for my thyroid. So they only pay for 1/2 a year? And since I already take it, that would be "Pre-existing" so they wouldn't even cover that for 36 months?!

[@nathanielbrown8730]

STOP INTERRUPTING YOUR WIFE PLEASE! Lol I love the video, thank you for all the great information.

[@CA2AL]

I was thinking that too. 😆 No wonder she took her time coming over.

[@williamsmardo1240]

Hello Bob , Does the government accept this as health insurance? If not , do you have to pay the penalty at the end of the year. Thanks , for the video.

[@SeedTime]

Yep, they have an Obamacare exception- so no penalty

[@rosehagerup9568]

Individual mandate was repealed in 2019. Insurance is not required on federal level

[@CA2AL]

@@rosehagerup9568 Thanks to Trump! 👍

[@kimwidol]

Was there any issues with hospitals trying to balance bill you? Ie things they agreed to discount to medishare that they later tried to bill you for?

[@Tom-zp4xp]

YES, MEDISHARE IS A NIGHTMARE

[@omax-sy8xp]

Is it possible to have ministry healthshare and health insurance?

[@cheryllink8549]

The husband is really annoying to listen to, especially with his wife joining him. He never lets her finish a sentence or thought.

[@daleschwartz3795]

So what about Dental and vision? I would still pay all this on my own?

[@MrTmenzo]

So you don't need to meet your ahp to use telehealth?

[@JenniNJeff]

@MrTmenzo - I don't think so. As I understand it, Telehealth is a free service regardless of deductible.

[@danielsim21]

$309 sounds great but you are basically paying $1184 on a year you pay your entire detuctable

[@EmmaOhm]

Was so interested in this but I don't have 3 grand right now 😒 maybe it's not meant to be... sounds super cool though

[@JCC56]

Isnt reaching 12k deductible difficult out of pocket for most families ?

[@demontejohnson4102]

I have had a scary random blood condition that happened a year and a half ago. Don't think it will happen again but they said they won't cover it until 3 years after the incident. The did say they have an extra blessing thing after a year of being a memeber. But do you have more information on that?

[@SeedTime]

no unfortunately, we haven't ever had to tap into "extra blessings" so I don't really know - I would call them to chat though and see what they say

[@wendydailey2001]

What is the difference in ahp and co-sharing? What does that mean?

[@LawrenceSet]

How about lab work?

[@artsmodelstation9396]

Q: so your paying a monthly membership fee and paying your own doctors bills until u reach a $3000 deductible then they start paying your medical bills ?

[@Tom-zp4xp]

They won't pay

[@emeraldkimble7602]

Do medishare bills count towards Medicaid from Medicare spend down

[@thomasjohnson8181]

Will Medi-share cover cancer treatment/surgery?

[@SeedTime]

I would check with them to be sure, but from what I understand they absolutely would

[@jesseenixon]

So I just had an baby a few months ago and they will cover his check ups?

[@SeedTime]

Hey Jessee, I would check with them to be sure, but for us those check ups count towards the AHP, so yes for us

[@Tom-zp4xp]

No THEY WONT, THEY WILL LIE AND BE LATE THEN WONT COVER, THEN IT GOES INTO COLLECTIONS

[@theraddadinvestor1000]

Hey buddy, thanks for the review. I am joining them and just sent ya a email. Love the content. I just started my channel so im trying to pickup things I can do better and I like the flow of this video.

[@SeedTime]

Ok great - thank brother! And just take it one step at a time - it's a journey!

[@emeraldkimble7602]

The spend down fir me is @ hundred grand

[@gailadams1724]

Are you still doing the $40 Amazon gift card

[@SeedTime]

Yep, and it is $100 now - just tell them Bob Lotich sent you and then email [e-mail]

[@dsha2006]

You said $40 amazon gift card but your YT description says $100. pls advise.

[@SeedTime]

We upped it to $100 🎉🎅

[@chrismon1001]

zoom one sentence, zoom out next sentence, zoom in one sentence, zoom out, zoom in. zoom out... whew got me dizzy with the ping pong... good video.

[@SeedTime]

;) just trying to keep you on your toes Daniel!

[@Xray_Mike]

Do they cover psychiatry?

[@dsha2006]

But why are there so many negative reviews?

[@SeedTime]

All I can do is speak from our experience, but I will say this. From my investigating all of these health sharing alternatives (and probably all of the traditional heath ins companies) have a bunch of negative reviews as well. So just keep doing your research and prayerfully decide what's right for your family

[@bt_0352]

Overall , good video

[@chumbawumba1959]

I would have expected the $6k or $12k annual deductible plans to qualify as HDHP and be HSA eligible. Maybe its because not actually an insurance plan cant comply?

[@MrTmenzo]

Yes since health sharing is technically not insurance it doesn't qualify for HSA contributions.

[@adesign3755]

The worst program I have ever used. I would never recommend it to anyone. I’m sorry I don’t mean to be rude. But I can’t give enough warning

[@brolan5150]

You would have to elaborate for this comment to have any weight.

[@friendlyneighborhoodhypegi8866]

As a licensed health insurance professional, please don’t go with medishares. They’re cheaper but they’re a gamble. They might cover it they might not and there’s no legal way to be able to go after them to recover any losses. They’re also not regulated by state officials. Private health insurance if you’re healthy and are not eligible for subsidies on the ACA and Obama care if you’re looking to have pregnancy, drug and alcohol rehab, or severe mental health costs covered or if you have lower income and can qualify for a subsidy. Health insurance isn’t one size fits all so look in to your options and speak to a professional.

[@mebaugh1]

Rambling video. All over the map

[@Tom-zp4xp]

Terrible group, they don't cover things and made bills go into collections I hate them!