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In this post, I am going to do a comparison of Christian Care Ministry (Medi-Share) and OneShare Health.
I will go over member responsibility amounts (what member’s pay before the community shares in any medical bills), monthly costs (this is dependent on age, individual/family memberships, and the Member Responsibility amount you choose), preventative sharing, pre-existing conditions, maternity, turnaround time to pay medical bills, and any special considerations to be aware of.
Member Responsibility Amounts
Christian Care Ministry (Medi-Share) Annual Household Portion (AHP): The Annual Household Portion (AHP) is the dollar amount that a Member Household agrees to pay toward Eligible Medical Bills before any eligible bills may be shared among the Members. The AHP amount resets every 12 months on the Effective Date. Christian Care Ministry (Medi-Share) has several AHP amounts: $3000, $6000, $9000, and $12000.
OneShare Health Individual Sharing Amount (ISA): OneShare Health has three levels of personal responsibility amounts: $5,000, $7,500, and $10,000. This is the amount the member would need to pay before the OneShare Health community would share in any medical expenses.
Monthly Contribution Price Range
Christian Care Ministry (Medi-Share): $81 to $1,229
OneShare Health: $115 to $1,750 (plus $50 for each child after the first three)
Statement of Faith
Christian Care Ministry (Medi-Share): Must agree to their specific qualifications for a “Christian Testimony”. Not all Christian denominations will fit into these beliefs.
OneShare Health: Must agree to their core biblical principles. The HealthShare is based on the Anabaptist Faith.
For more detailed information on faith-based requirements, please read this post about Christian HealthShare Plans.
If you prefer a HealthShare that has no religious requirements, please read my post about Non-Religious HealthShare Plans.
Preventative Sharing
Christian Care Ministry (Medi-Share): 1 routine physical (2 labs) per year. Must use the PCHS Network.
OneShare Health: For the Catastrophic Plan, there are no preventative treatments shared with members. For the Classic and Complete Plans, there is a 90-Day Waiting Period, excluding Immunizations, for Preventive Services and one (1) Wellness Visit per Member per Program Year.
For out-of-network Preventative Services, Primary Care Physician, or Specialists, 50% is shared after the member pays their ISA. For in-network Preventative Services, they will share up to $1,000. For a Primary Care Physician there is a $20-$50 visit fee. For Specialists, there is a $75-$125 visit fee.
Pre-Existing Conditions
Christian Care Ministry (Medi-Share): After 3 years of membership, up to $300,000/year shareable and after 5 years of membership, up to $500,000 /year is shareable with the Health Share community.
OneShare Health: There is a 24-Month Waiting Period for Pre-Existing Conditions. However, Routine Maintenance is available through PCP, Labs and Specialists Visits on the Classic and Complete Program for the following conditions: Diabetes 1&2, High Blood Pressure, High Cholesterol, and Thyroid.
For more detailed information, please read my post about How The Top HealthShare’s Handle Pre-Existing Conditions.
Maternity
Christian Care Ministry (Medi-Share): Members must be married in order to have maternity and newborn needs shared. Maternity medical expenses for newborns conceived outside of marriage are ineligible for sharing. Pregnancies resulting from rape reported to a law enforcement authority are the only exception. If members can show that they have an eligible maternity need, the member would need to pay their member responsibility amount.
Sharing is limited to $125,000 for any single pregnancy event, to include antepartum care, the cost of delivery and complications to the mother and/or child(ren) and postpartum care.
OneShare Health: For the Catastrophic Plan, there is no sharing available for Maternity needs. On the Classic and Complete Plan, members would need to pay their Individual Sharing Amount (ISA). OneShare will share up to $5,000 for a natural delivery, up to $8,000 for a c-section, and up to $50,000 if there are complications.
Feel free to learn more at The Top HealthShare’s Maternity Benefits (Comparison Guide).
Turnaround Time for Paying Medical Bills
Christian Care Ministry (Medi-Share): 30 business days
OneShare Health: 21 days
Considerations
Christian Care Ministry (Medi-Share): There are so many programs and price points that it can become confusing on what is and isn’t shared with the community.
OneShare Health: After members pay their Individual Sharing Amount (ISA), which can be $5,000, $7,500, or $10,000, the HealthShare has limits on how much they would share. For example, a hospitalization can cost a member their Individual Sharing Amount plus 20% to 40% of the medical bills, depending on which program you choose. For larger unexpected medical expenses, this can add up quickly for their members.
Maximum Limit Per Incident: $150,000 / $250,000 / $500,000 (depending on which program you choose)
Lifetime Sharing Maximum: $300,000 / $500,000 / $1,000,000 (depending on which program you choose)
Find out which HealthShare I recommend at The Best HealthShare for Individuals and Families.
Which Health Share Plan Should You Join?
Choosing a Health Share plan is a very personal decision. Feel free to check out Christian Care Ministry Reviews (Medi-Share Reviews) and OneShare Health Reviews. I provide a lot more information on each Health Share and you can read reviews from other members.
There are so many different Health Share plans to choose from, which is great, but it can also be overwhelming! To help narrow down your choices, I wrote an article on the Best Health Share Plans. You will find which health share plans I recommend to help you on your search for affordable healthcare.
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