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In this post, I am going to do a comparison of Christian Care Ministry (Medi-Share) and Share Healthcare.
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.
Share Healthcare: Members can choose between three sharing levels as well as the option to choose between a Per Event Personal Expense (PEPE) or an Annual Unshared Amount (AUA). These are the amounts you pay on your own – either on a per incident or per year basis – before remaining eligible medical expenses can be shared.
Per Event Personal Expense amounts can be: $300, $500, or $1,000.
The Annual Unshared Amount can be: $3,300 (single), $3,600 (couple), or $3,900 (family)
Monthly Contribution Price Range
Christian Care Ministry (Medi-Share): $81 to $1,229
Share Healthcare: $149 to $659 (plus $50 for each child after the first two)
$120.00 upon enrollment and every year.
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.
Share Healthcare: Must agree to a Statement of Faith and must be Christian, meaning you believe in “the God of the Bible, His Son Jesus Christ, and the Holy Spirit”.
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.
Share Healthcare: Yearly wellness visits or screenings are eligible for sharing once your PEPE or AUA has been paid.
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.
Share Healthcare: Not eligible for sharing.
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.
Share Healthcare: After members pay their Per Event Personal Expense or Annual Unshared Amount, expenses related to labor, delivery and routine hospital expenses for the infant as well as expenses relating to any complications are eligible with NO waiting period or limits. If a member is pregnant within two months of membership beginning, maternity expenses will be shared at up to 50% of the member’s share contributions to that point. For example, if the member has paid $2,490 in monthly share amount to that point, up to $1,245 will be eligible to be shared by fellow members.
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
Share Healthcare: Unknown. When I called to speak to someone at Share Healthcare about this, I was told that it “depends on the provider” and I wasn’t even provided an estimate.
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.
Share Healthcare: Share Healthcare does not have annual or lifetime caps on eligible need requests. Members must set up a bank account for sharing. Member’s monthly share amounts will remain in the individualized account until it is used to pay the medical expenses of fellow Share Healthcare members.
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 Share Healthcare 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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