1. Healthcare Options for Christians

2. The Sharing Movement
Sharing Economy and Community built around the sharing of human, physical and intellectual resources.
Uber
AirBnB
GoFundMe
Mealtrain
SkillShare

3. The Healthcare Sharing Movement
Health Care Sharing Ministry
Facilitates the sharing of medical expenses amongst its members
Inspired by the biblical call to “bear one another’s burdens” 
Movement started in the early 80’s
More than 700,000 believers are a part of this movement
Billions of dollars in medical bills have been paid for
Members are exempt from ACA individual mandate
Affordable alternative to purchasing Health Insurance
Peace of mind: healthcare dollars are never used for unbiblical practices

4. Medi-Share: A Ministry Founded on Sharing
Our Mission: To connect and equip Christians to share their lives, faith, talents and resources with others.
Inspired by the early church in the book of Acts
Established in 1993; non-profit 501(c)(3) status
Headquarters in Melbourne, FL; Service Center in Colorado Springs, CO
More than 500 employees

5. What is Medi-Share?
Affordable alternative to health insurance (Approx. half the cost!)
Community of believers voluntarily share one another’s medical bills
Members have shared more than $1 billion since inception
More than 280,000 members and growing rapidly
Members have access to 700,000+ providers via PPO network
Members can choose any provider, in-network or out-of-network
No sharing limits—unlimited annual and lifetime maximums
Bill sharing is governed by member-voted guidelines
No open Enrollment period. Available year-round

6. What Does Medi-Share Cost?
Family of 5, Oldest Age 40*
Annual Household Portion
$1,250
$2,500
$3,750
$5,000
$7,500
$10,000
Standard Monthly Share
$723.00
$577.00
$463.00
$389.00
$308.00
$228.00
Healthy Monthly Share
$598.00
$480.00
$386.00
$323.00
$257.00
$187.00
Health Partner Program
In some cases, certain health conditions (like certain heart conditions, excess weight, or diabetes) qualify applicants for our mandatory Health Partner program, which includes an additional $80 per month fee. (Graduation from the Health Partner program waives the $80 fee).
One-Time Fees and Recurring Monthly Fees
Medi-Share applicants pay a one-time, non-refundable $50 application fee. New members pay a one-time $ member fee that is paid with the first monthly share payment. There is also a one-time ACCU fee of $5.00 for setting up your sharing account. A separate fee of $5.00 for the maintenance of the individual account with America's Christian Credit Union will also appear on the monthly share notice. You can save $3.00 per month on the ACCU fee by signing up for electronic statements at

7. What Happens at a Provider’s Office?
Medical event occurs
Member selects a Network Provider*
Private Healthcare Systems (PHCS) offers a PPO network with more than 700,000 providers nationwide
Member shows Medi-Share ID card and pays Provider Fee
$35 initial charge for doctor visits
$135 for an emergency room visit
Provider notifies and sends bills to Medi-Share
*Members may select any provider of their choosing, including out-of-network providers, but in doing so may not benefit from discounting of medical bills as with an in-network provider.

8. What Happens to Medical Bills?
PHCS negotiates discounts.
An average adjustment of 30–35% by staying in-network. Provider Fee of $35 or $135 is also deducted from the total bill.
Medi-Share processes the bills for sharing.
Medi-Share notifies member of any amount they must pay directly to meet their AHP. For any amounts to be shared, Medi-Share transfers sufficient funds from other members’ accounts into the billed member’s account. Medi-Share notifies sharing members of the recipient of their monthly share amount.
Share amounts are used to pay providers.
Once the dollars are transferred, Medi-Share processes payment to the doctor or hospital from the member’s share account.

9. The Medi-Share Difference
Christian Community: Prayer support from members and staff
Telehealth: $0 cost, 24/7 access to Doctors
Dental, Vision, and Prescription Discounts
Ease of use
Direct billing
Virtual Share Exchange: patented process
Speed of processing bills
Speed of sharing bills
Unlimited Sharing of eligible medical bills (No Max limit)
Healthy Incentive

10. Medi-Share for Groups Now available: Members talked we listened
Extension of 23 year proven Medi-Share Program
Great solution for Christian organizations with an all-Christian staff
Open to singles, families and seniors
No open enrollment period. Available year-round
Medi-Share typically is a 50% savings
Single-Bill option for the employees monthly shares
Peace of Mind: Employers can rest assured knowing that the healthcare dollars they and their employees contribute are never used for practices that compromise Christian beliefs.

11. Member Testimonials
“In June of this year I received a total hip replacement on my right hip. It was bone on bone and quite painful. My recovery has been complete. I didn't realize how much my whole body was affected by the deteriorated hip. For the first time in many years I can say that I am pain free! And today, as I sit and reconcile my Medi-Share accounts, I am truly humbled by the extent of the sharing by so many I don't know. There were no less than 80 entries for share amounts from other Medi-Share Members. It puts things in such a different perspective than merely a single payment from an insurance company. I am blessed beyond measure and am so glad that my monthly contribution in turn goes to bless others. Thank you Medi-Share!”
—Martha

12. Member Testimonials
“Our daughter Sophie was born with a congenital heart defect. She had two open heart surgeries in the first two months of her life. Medi-Share has been such a blessing during this hard time. The staff has been so helpful and have prayed with us. We have received cards from other members who are praying as well. It is such comfort to be a part of a community of believers who care and pray for each other. Sophie is now three months old and is home healing due to your prayers and the grace of God.” —Tara