medishare.com Reviews 53

Denied coverage because of a medication that I take. That's not very christ-like
Literally do the opposite of what they preach and advertise

I rarely leave reviews, but I am so sick of trying to work with them that I feel the need to warn others. They work great, if you never have any medical bills. I am constantly fighting tooth and nail to get things moving. The latest debacle: we brought our daughter into a specific ER because their website said it was in network. Only to discover it wasn't actually. I asked how I can make sure something is actually in network, and they said ask the hospital. I called the hospital and the hospital said ask your insurance. When I told medishare they said "Yes, I can see how that would be frustrating". I am constantly having to call to get things moving along. I am constantly being told to wait 30 more days because the last person did something wrong, and it needs to be resubmitted. I am put on hold over and over again and transferred from person to person. Stay away if you value your time and money.

Horrible experience. I’ve called them to try to get medical bills sorted out and every time I call I am on hold for at least 30 minutes and sometimes up to three hours.

Telehealth visits used to be free and now they cost $25 supposedly under the guys of being able to get a hold of somebody faster however I recently tried and it took a full day for someone to call me back and it was some guy who doesn’t even speak English.

It was a welcome piece of mind initially. Then it all went wrong.

Could no longer use my dentist. They were not covered by their "Christian Values".

Could no longer use my optometrist. They were not covered by their "Christian Values".

Had to struggle to find an "In Network" pharmacy ironically in one of the WORST places in the city that was covered, not just a generic Walgreens/CVS. Both are not "In Network". Just use GoodRx (not affiliated in any way) and you will get a better price/coverage.

Unfortunately I had to have a prolonged hospital stay. This was also deemed to be not covered by their "Christian Values".

Basically you pay them a fee every month, and then every other month your “Sharing Fee” which is usually your standard fee doubled, so they can tell you how horrible of a person you are and are not "Christian" enough for coverage.

Their cute little website notes how much they have paid or shared (which they do not reciprocate), which is completely not reflected when the hospital bills start coming in. PCHS adjustments can be denied because you are not “Christian” enough. My wife works in Medical Insurance, and luckily the Hospital I went to has fantastic billing personnel and called MediShare out on their lack of living up to their end of the bargain. Many months later the hospital and a generous donor NOT AT ALL AFFILIATED WITH THESE GRIFTERS help with my medical bills. Best part. He is a pastor in my local town.

DATE everything and keep everything on file. They will let you know you have X amount of time to appeal, but do not reply until it is almost the 11th hour. DO NOT speak to them via phone as they will say it is “Recorded”. In my industry, if it is not WRITTEN down and meet ALCOA++ standards, it does not exist. Be wary of this please.

I have been in the medical industry 20+ years. I know how to read progress notes and official diagnosis. Medishare will tell you what a Physician “meant” in their progress notes in efforts to deny your coverage.

After being denied I went through the appeals process 3 times. 8 MONTHS later as I was told I needed a “letter of clarification on official letter head and a doctors signature”, my primary treating physician, not an ER doctor, not an RN, NP, MY PRIMARY PHYSICIAN kindly provided this verbatim what they said they needed from him to un-deny my coverage and telling them how wrong they are. Nope. Literally 10 days after providing this letter spelling out EXACTLY what they needed it to say, NOPE, you are still not “Christian” enough, that is not what your doctor "Meant to Say", and denied any sharing or coverage.

I have been talking to the Big Man all my life. I have literally read the Bible cover to cover, Genesis 1:1 to The Revelation 22:21 multiple times. My wife's father and grandfather were both missionaries and Pastors. I have my a Great+ Grandfather's Celtic Cross from Ireland dated to the early 1700's that I wear daily. My own grandfather was a Knight of the Mason and Commander.

It is ironic the people wagging their fingers at you for not being "Christian" enough are the ones denying any kind of help or assistance and acting like the least “Christian” conglomerate. It is almost like they just want to take your money while taking our Lords name in vain like a TV “pastor”. It is truly disgusting.

Now correct me if I am wrong. But there was this dude, JC, who taught us about "Christianity" and helping others and those in need. Matthew, Mark, Isaiah, Jeremiah, and first Peter verses come to mind...But guess I am not "Christian" enough...

Total con artists praying on your beliefs. Please beware.

You can’t force them to stop claiming they are "Christian." They have no legal obligation to cover a claim. Unfortunately, the Christian label could use more third-party accountability, like GARBC or Reformed Methodist, but there are no credentials.

I've been with Medishare since 2014. Finally, now that I have a young family, we have needed to use it. They have been very difficult to work with. We've barely been reimbursed for anything. Most providers aren't even willing to submit the bill for use so the stress and hassle of trying to be the middle man has really been a burden. If you or your provider don't give every single detail with perfect coding on the submission form, Medi share marks it as ineligible (after taking 8 months to process it). Even with birth and delivery and many doctor visits, we would have been far better off paying out of pocket, with a lot less stress of having to perform billing tasks. Ive been on the phone with them probably at least 7 hours over the last year just trying to sort things out and get reimbursed. This makes me angry that they promote themselves as a christian company but are not loyal to serve their customers. And to think, I've been paying every month them for over ten years.

We only had 1 claim in over 10 years and they gladly took our money every single month but when it came time to provide coverage on a 13,000 ER charge, all we got from them were lame excuses….. MEDISHARE IS A SCAM!!
☠️💀☠️💀

I WAS CONSIDERING MEDI-SHARE AFTER LISTENING TO THEIR RADIO ADVERTISEMENTS AND RECOMMENDED BY DAVE RAMSEY WHO I RESPECT. I VERY LUCKILY RESEARCHED USER REFERENCES. I HAVE NEVER SEEN WORSE REFERENCES FOR ANY PRODUCT/SERVICE IN MY LIFE. THE CLAIMS MADE IN THE ADVERTISEMENTS ACCORDING TO THE MANY REFERENCES THAT I REVIEWED ARE ALL BLATANT LIES. UNBELIEVABLE FOR AN ORGANIZATION THAT CLAIMS TO BE DRIVEN BY CHRISTIAN PRINCIPLES. SHAME ON THEM.

I joined Medi-Share in good faith at the beginning of the year, trusting that they would uphold their promises to process medical bills in a timely manner. I submitted my first bill on January 22, 2025. As of today - more than 120 days later - it still has not been processed. This is well beyond their advertised 60-day timeframe.

I’ve reached out multiple times via email and attempted to call, but the communication has been minimal, vague, and often unresponsive. I’ve asked clear questions and rarely receive clear answers. At this point, I feel abandoned in a system that promises care and support but has delivered neither.

While I was refunded one month’s premium as a gesture, it doesn’t come close to resolving the broader issue of a failure to follow through on their core responsibilities. If Medi-Share is unable to deliver timely reimbursement or provide effective customer service, it undermines the trust that members place in the entire ministry.

I’m sharing this so others can make an informed decision. I genuinely wanted this to work - but my experience has shown me that Medi-Share may not be equipped to deliver what it promises. Proceed with caution.

This company refuses to pay bills. I have 9 Quest bills that I have called about countless times, done three-way calls between Medi-Share and Quest, had promises over and over about "expediting" the payment, dates set to have them paid by, all to no avail. I have had 4 of them sent to collections by Quest and the others will be sent soon. Yet Medi-Share just keeps telling me that they are "expedited". I am so frustrated with the amount of time and energy I have spent to get these paid and still am having to deal with a collections company. RUN FROM THIS COMPANY! While no insurance company is great, at least the other companies pay the bills that they don't dispute. Medi-Share agrees that they are responsible for these bills and yet continue to be delinquent on their payment of them. Absolute nightmare!

We cancelled our insurance before the 1st of the new year (2025) and they refused to refund the Jan premium they had already drafted. I'm not upset they drafted, I'm upset they didn't refund it when they didn't cover any potential medical expenses for us in Jan. We had other coverage. It is not hard to refund a credit card charge and to not refund it is stealing!

Buyer beware!! Medi-Share do not cover screenings AT ALL even if you meet your very high deductible. They would rather have other members “share” the cost of your chemotherapy than pay for a colonoscopy and catch it early. Not to mention potential loss of life (but that’s not their problem I suppose). To me, this is unconscionable and the opposite of Christian behavior. They do not make this clear when you sign up and certainly don’t mention it in their radio commercials. They state they have 98% customer satisfaction. Not sure where they pull this statistic from, just take a look at this website. When you sign up they make you sign paperwork to say that your are not gay and you are not committing adultery. So does mean they won’t pay out it they find out to the contrary? Absolutely ridiculous business model and they should be ashamed.

We had Medishare for about 8 years. My family is fairly healthy so we (thank goodness) rarely went to the doctor. I avoided the doctor at all cost because it cost a fortune. Recently we needed it for a couple of important issues. Both no doctors within an hour of me would take Medishare despite being 30 miles from 2 large cities. I searched for a surgeon for my injured child for days. I called at least 10 doctors ON THEIR LIST and NONE of them took Medishare. So they lie big time about which and how many physicians take Medishare. All of the doctors that I called said that their office does not take it anymore because Medishare does not pay the claims. I talked to 4 people at Medishare and all of them acted like the physicians office gave me incorrect information. It was a nightmare.

tried to cancel, they put me on hold for over an hour! I knew at that point, it was intentional, what a unprofessional company that hides behind christian value! Had to go to my bank and put a stop on these sinners!

I called for more information as a prospective customer since I missed open enrollment for health insurance, and..... wow! There are so many disturbing things about their membership requirements, but two things that stood out the most were their requirements to "fellowship on a regular basis," and the use of cannabis will disqualify you from their services.

The "fellowship" requirements give a very cult-like vibe (is it only me?), and I can't make sense of why they believe they have the right to "require" this from their members, or why their members do not see how wrong this is.

Secondly, disallowing the use of cannabis? I use it very seldom and responsibly, 1-2 hits a month (a bowl lasts me several weeks), just to help myself relax. I understand that there are people who abuse it..... same as those abusing pharmaceuticals...... But as a so-called Christian organization, you'll put a blanket restriction on cannabis, which is all-natural, supports local business, and has endless science-backed medicinal benefits.....

BUT, you'll support Big Pharma and have no problem filling the pockets of people like Fauci? The hypocrisy here is insane! I'm especially angry about this, because I've had extensive experience with our "healthcare system," and believe me when I say that it does NOT want you well, because you make them a LOT of money as long as you are sick.

However, I've never met a natural medicine practitioner who didn't want their patients well. And one of the leading remedies for countless ailments is cannabis! But no, this "Christian" organization would rather fund the system that tries to keep us sick.

I was raised in a very Christian household, and thought Medishare might have been a good alternative option since I still maintain many of my Christian values. But I left the church in my early 20s because of the hypocrisy, and this was a great reminder to stay far away. Steer clear! Unless you're already part of the cult..... then I'm sorry for you.

In two years with this "sharing" insurance, I find nothing Christian about its values or operations. We had to fight tooth and nail, appealing multiple times, simply to get basic coverage -- and we never did get reimbursed on several expenses.

My partner actually has PTSD from having to call them so many times and go through to many appeals. And every time, they want to "pray" for you while not giving you the benefits you paid for.

Never going back... I did not think there was something worse than state-backed health insurance companies, but this one is bad, bad news.

We've been with them since 2017. We are a younger family and they have been no help to us when we have needed it which has only been twice. Looking for other options.

nightmare
Customer Service line- never answer!

I've been in medishare since 2016. Sadly, we are leaving because something has changed and can't quite put my finger on it. Not sure what has changed, but our "annual household portion is $5,500. We have paid $8,155 so far out of pocket this year of $21,678 in bills. Supposedly they secured all these "discounts" for the rest, but if I had just said I didn't have insurance I'd have been better off and would have saved $ for them and my family. Self-pay is almost always 50% of what most doctors/hospitals are charging. So $21,000 worth of bills could have been $10,500 and this actually might have worked...but the way it's set up and their aversion to "preventative" care makes this a bad fit for our family. Still owe $3400 in bills that they deemed "excessive" so be alert that you hold the bag on those. Total out of pocket this year will be over $11k. I could have easily self payed this year! And I payed $9k in sharing on top of that. So...$20k for healthcare in 2024...thanks to the broken healthcare of the US and Medishare's approach to the broken healthcare of the US.

Medishare is a total SCAM. I would give it zero stars. I have been paying into it for 8 years and the first claim I make has been a complete nightmare. I have paid more than $18,000 for 23 and 24 over and beyond my "annual share portion" (deductible). It has taken more than a year to process a single bill and in the meantime I have been sent to multiple collections that I have paid to keep my credit score from going to hell. DO NOT BUT INTO THIS SCAM!!!!!!!