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In this post, I am going to do a comparison of Christian Care Ministry (Medi-Share) and Sedera.
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.
Sedera Initial Unshareable Amount (IUA): The Initial Unshareable Amount (commonly known as the “IUA”), is the amount the member would need to pay before the HealthShare will “share” in any medical expenses. Sedera has five IUA amounts to choose from: $500, $1000, $1500, $2500, and $5000.
Monthly Contribution Price Range
Christian Care Ministry (Medi-Share): $81 to $1,229
Sedera: $113 to $1,713
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.
Sedera: None – They accept people of all faiths.
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 Secular HealthShare Plans.
Preventative Sharing
Christian Care Ministry (Medi-Share): 1 routine physical (2 labs) per year. Must use the PCHS Network.
Sedera: Routine childhood immunizations are shareable. Diagnostic colonoscopies and Diagnostic mammograms are shareable after an IUA is paid – some restrictions may apply (age, need, reasonable cost, etc).
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.
Sedera: 1 year waiting period (nothing shareable related to the pre-existing condition, up to $15,000 shareable after the first year, up to $30,000 shareable after the second year, and fully shareable after the third year.
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.
Sedera: Medical expenses for childbirth that have an expected delivery date within the first 12 months of membership are not shareable. Normal vaginal deliveries and emergency Cesarean section deliveries have a total Initial Unshareable Amount (IUA) of $5,000. Non-emergency/elective Cesarean section deliveries have a total IUA of $7,500. The standard IUA levels of $500 – $5,000 do not apply for Maternity Needs.
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
Sedera: 30-60 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.
Sedera: No single need may consume more than one third of the total number of shares available in a given month. This can result in a medical need being capped, but it is at an unknown amount since it is dependent on how many people contribute each month. Also, members are Required to join with an association, company or other grouped billing.
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 Sedera 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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