Is Medi-Share Right For You?
Health Insurance Alternative for Arkansans
Health insurance under the Affordable Care Act has not been "affordable" for many Arkansas small business owners and self-employed individuals. Medi-Share offers a faith-based solution that doesn’t sacrifice your values or your wallet.
How Medi-Share works
Are you a good fit?
Christ is King! - Medi-Share is committed to serving the Christian community with excellence and integrity, using the Bible as our foundation. In order to maintain these principles, all members agree to and profess to the Statement of Faith.Member-Based Solutions - Medi-Share isn’t insurance—it relies on members voluntarily sharing one another’s eligible medical expenses. This works best for those who appreciate and trust the concept of communal support in managing health related costs.Easy To Understand Expenses - Lower cost Medi-Share programs can include an Annual Household Portion (AHP) that can be higher than a insurance deductible. In contrast, this Annual Household Portion is for the entire household, not per person. After this AHP is met, covered expenses are eligible for sharing at 100%, avoiding the typical confusion with other health plans.Relatively Good Health - Individuals who do not have chronic or pre-existing conditions that frequently require medical attention tend to benefit most, as the program is designed more for sharing routine and unexpected medical costs rather than offering comprehensive health care options.Tobacco & Drug Free - Members highly value the biblical principle that our physical bodies are temples of the Holy Spirit and should be kept pure. Members should strive to maintain healthy lifestyles, as this glorifies God and keeps medical costs down. Applicants need to have abstained from the use of tobacco or Illegal Drugs for at least the 12 months prior to application in order to be eligible for membership.
It’s important to note that while Medi-Share can be a great fit for some, it may not be suitable for everyone—especially if you require comprehensive coverage for ongoing medical needs or if you don’t share the program’s core values.
Medi-Share vs Obamacare (Affordable Care Act)
| Feature | Medi-Share | ACA |
|---|---|---|
| Faith-based | ✅ | ❌ |
| Affordable programs | ✅ | ❌ |
| 24/7 access to telehealth | ✅ | ❌ |
| Nationwide PPO network | ✅ | ❌* |
| Covers pre-existing conditions | ❌** | ✅ |
| No lifetime limits | ✅ | ✅ |
| Health incentive discount | ✅ | ❌ |
| Dental & vision discounts | ✅ | ❌ |
*Arkansas Blue Cross and Blue Shield does offer 3 plans with access to a nationwide PPO network. All other plans in AR have more restrictive networks. See agent for more details.**Medi-Share covers pre-existing as follows: Up to $100,000 per Member per year (based on effective date) once the member has been faithfully sharing for 36 consecutive months. Up to $500,000 per Member per year (based on effective date) once the Member has been sharing faithfully for 60 consecutive months.
Health Incentive
You may qualify for a discount on your Monthly Share amount with the health incentive. All adult Members must meet certain health criteria. To qualify, you must verify your blood pressure, BMI, and weight/waist measurement within 30 days of each other. For more information, click here. For a short video tutorial on the Health Incentive Discount, click here.
Health Partnership Program
The health partnership program is a member voted guideline that provides members with the support and resources they need to live the healthy life God intended.ObjectiveTo care for our members and minimize preventable health care costs, so Medi-Share can continue to provide affordable health care solutions to members.How it worksQualifying members are automatically enrolled in the Health Partnership Program and pay an additional $99/month. This fee gives them access to a personal health coach, a registered dietitian nutritionist, and an Online Health Portal where they can access additional resources. Once a member meets the health requirements, they graduate from the program and the fee is removed.
The Medi-Share difference
$8B+ Medical Bills Shared & Discounted
98% Member Satisfaction
Know Before You Go Pricing
No Minimum Bill Submissions
No Annual Caps or Lifetime Limits
Quick Bill Share
24/7 Access to Telehealth
Patented Technology
Reviews
"Medi-Share helped us pay for something that we could believe in."- Paul S
“Medi-Share fits our lifestyle and is consistent with our faith.”- Andrew P
"Medi-Share brought a personal peace, that brought comfort and support to us."- The Sullivans
"Medi-Share has been one of the greatest blessings God has ever given us."- The Hughes
Speak with a local agent
Connect with Luke for a personalized review of your health care needs.
FAQs
Is Medi-Share Christian insurance? No. Medi-Share is not insurance. Medi-Share is a healthcare sharing program where Christians share their financial resources to pay each other’s medical expenses. Medi-Share isn’t insurance. Resources are shared directly between members. There is no pooling of funds as practiced by insurance groups. Christian Care Ministry and the Medi-Share program are not registered or licensed by any insurance entity, nor are we required to be. We do not collect premiums, make promise of payment, or guarantee that your medical bills will be paid. Sharing medical bills is completely voluntary.
How is Medi-Share biblical? Taking care of each other was a way of life for Christians in the days of the early Church. The book of Acts is a great picture of the fellowship of believers as well as mutual care. All the believers were together and had everything in common. They sold property and possessions to give to anyone who had need. (Acts 2:44-45) Christians view Medi-Share as a way to reclaim their biblical mandate to care and provide for their brothers and sisters in Christ.
What is the Annual Household Portion (AHP)? The AHP is the dollar amount a Household must pay toward their Eligible Medical Bills during a 12-month period before their needs will be approved for sharing. The AHP 12-month period begins with the Effective Date. For a short video on what is an AHP, click here.
Is maternity shared? Maternity is eligible for up to $125,000 per pregnancy event for members with marital status of “married.” Please refer to Guidelines Section VII for specifics.
How does CCM know I met my AHP? Your providers will submit all medical bills to CCM. At CCM, the bills will be processed and discounted if applicable. Eligible amounts are applied toward your AHP or processed for sharing if your AHP has been met.
Why wait? Enroll today!
Find the right program for your family.
Site by Redline HealthRedline Health is an independent insurance agency in Northwest Arkansas. Redline Health is not affiliated with or endorsed by any government agency. Bobby "Luke" Griggs is an agent with Redline Health and licensed in AR & OK. NPN 18855108This website and information contained herein is not owned or endorsed by Medi-Share. The Medi-Share name and wordmark are the exclusive property of Christian Care Ministry.Medi-Share is a nonprofit health care sharing ministry of Christian Care Ministry, Inc ("CCM"). Medi-Share members voluntarily share each other's medical expenses in accordance with guidelines adopted by the members and administered by CCM. Medi-Share is not insurance and is not regulated as insurance. Neither CCM nor any Medi-Share member assume any legal obligation to share in the payment of any medical expense incurred by another Medi-Share member. Medi-Share members are exempt from the individual mandate in the Patient Protection and Affordable Care Act. See 26 U.S.C §5000 A(d)(2)(B). Certain states expressly exempt from insurance regulation healthcare sharing ministries that, among other things, post a specific notice. Although Medi-Share does not rely on such express exemptions, Medi-Share has elected to publish theses notices. You can review the disclosure required for the state in which you reside at medishare.com.Made with ❤️ Springdale, AR