Healthcare is a touchy subject. When we first lost our insurance due to changes written into Obamacare it was an extremely stressful subject around our house, but now a few years later I am pleased with the healthcare choice we made. You can check out my original blog post, Our Family Chose Medi-Share to see how we made our choice, but basically it was a math equation that just made more sense.
I often get emails and messages from people asking what I think of Medi-share now. During the first year we didn’t use it very much so I didn’t love it or hate it. But by the second year on Medi-share we had put the coverage to the test. And it passed with flying colors.
Selah had an injury that just would not heal. After X-rays and an MRI it was determined that she needed surgery on her shoulder. In an attempt to heal the shoulder we had used up all of 20 physical therapy treatments and still need at least that many more post-surgery. The doctor and the PT office agreed that I could ask for more, but that they see countless requests denied by insurance. Not only did Medi-share approve the extra PT appointments, but their customer service representatives walked me through the process every step of the way and even prayed with me that the decision would be in our favor.
Since we had paid our family share (their version of a deductible) our costs were minimal for surgery, X-rays, MRI, and physical therapy. We had chosen a family share amount ($1250.00) that was not a huge burden on our budget and it has paid off.
This year we are in a similar situation with healthcare needs being covered because we have already met our family share. But what has been super exciting this year is that Medi-share just keeps getting better. They survey the members recently and have been responding with new benefits. Recently Medi-share announced a new vision, dental and hearing aid benefit that allows members to receive a discount on all of these services. And my favorite new offering is MD LIVE where Medi-Share members have 24 hours per day 7 days a week FREE access to telehealth doctors! Virtual care anytime, anywhere. This is exactly what I’ve always thought would be a wise option for my family. I love this new addition.
Another new addition this year is BridgeHealth, a surgery benefit that cuts costs, not corners. The BridgeHealth Surgery Benefit Program helps keep surgical healthcare costs affordable. As an added bonus when you use Bridgehealth the majority of your monthly payment for coverage is waived for 3 months. It is a win/win situation.
Many people have been in search of alternative healthcare options and have reached out to me to follow up on my Medi-share experience. I have nothing but good things to say about Medi-share, but I should point out that it might not be the right choice for you if you have pre-existing conditions because those are not covered. It is not standard health insurance—it is a medical bill sharing plan that does exempt you from the penalties and fines from the individual mandated of the Affordable Care Act. Medi-Share is a healthcare sharing ministry where members share each other’s medical expenses.