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In this post, I am going to do a comparison of Christian Care Ministry (Medi-Share) and Solidarity Healthshare.
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.
Solidarity HealthShare: The Annual Unshared Amount is the amount of money each member is responsible for regarding their health care costs before other members will begin sharing with them. This amount is $750 if you’re single, $1,500 for a couple, and $2,500 for a family.
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
Solidarity HealthShare: $149 to $599
$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.
Solidarity HealthShare: Must agree to live by biblical principles and respects the moral teachings of the Catholic Church. Medical expenses related to anything that goes against Catholic ethics are not shareable.
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.
Solidarity HealthShare: They offer one annual wellness exam or physical per year. They allow multiple well baby visits per year within the first two years of birth.
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.
Solidarity HealthShare: There is a 1 year waiting period, then in the second and third year, they offer up to $25,000 sharing and in the fourth year they no longer consider it a pre-existing condition.
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.
Solidarity HealthShare: Members must be married in order to have maternity and newborn needs shared. Members would need to pay their member responsibility before maternity needs are shared.
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
Solidarity HealthShare: 90 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.
Solidarity HealthShare: After paying your AUA, Solidarity HealthShare offers plans that will share 70% of medical bills up to $125,000 or 100% of your medical bills up $125,000 or up to $1 million per incident (depending on which plan 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 Solidarity HealthShare 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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