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When an individual requires medical assistance, they present their card and pay their provider fee. In this instance, there may be a penalty for seeking care outside of the network. Each individual has the right to choose a doctor not in the network for any medical treatment. All of the members are encouraged to use providers in the PHCS network for their medical care. There is a partnership between Medi-Share and the (PHCS) preferred provider organization. How Does Medi-Share Work Regarding Preferred Providers? Each individual will need to cover these expenses as they occur. Neither vision or dental care are covered by the program. It is important to note routine care such as a yearly physical is covered. The fee to visit the emergency room is $135. The fee for a visit to the doctor is $35. This aspect is similar to the co-pay of traditional insurance. There is still a fee the individual must pay for the provider. If the individual declines, there is a monthly payment of $3. If the individual signs up for automated payments to the ACH, there is no additional monthly payment. There is a $2 fee for membership, also added to the first monthly payment. The fee is added to the first monthly payment. This fee is charged once the individual applies for the program and has been approved. The individual only has to pay this fee once. There are a few fees associated with the program. This is an important decision and must be considered carefully. If the family is unable to afford a higher AHP, they have the option of paying a larger portion each month. A lower monthly share will be easier for the family to pay each month. The higher the AHP, the lower the amount due for the monthly payment. Each individual makes the decision for their monthly share and AHP based on their financial situation. The amount chosen determines how much money the individual will have to pay up front for their medical bills prior to the health share becoming active. It is important to understand the annual household portion (AHP).

When a member becomes ill, the money from the pool is used to pay their medical expenses over that amount.

Each individual is responsible for paying a specific amount of their medical expenses per year, similar to a deductible, called the annual household portion. Once the individual or family have become members, they make a payment each month into the shared pool. This means their medical bills will become ineligible for sharing. Their membership in the program will be terminated.

The individual must also understand the family member may no longer qualify for participation in the program. The individual must state if any of the above rules are broken by any family member, they will immediately notify CCM.

Each individual must agree not to use any tobacco or type of illegal drugs in the future.

Each individual must not have used any type of illegal drugs or tobacco within the past twelve months.

Each individual must not have sexual relations other than the traditional Biblical marriage of one woman and one man.

The additional requirements are as follows. Each individual is required to sign a document stating they are of the Christian faith. The program ensures the costs remain as low as possible by screening the applicants prior to granting approval for the sharing platform. Everyone must agree to specific terms to be approved. It is important to understand the rules of the program prior to applying. Since then, in excess of $875 million has been discounted and shared by the members. Many Christians have become members of the program in order to share their financial resources. Although this program is not insurance, it is an excellent replacement. This provides the members with health expenses the funds to cover their bills. This is similar to a credit union account. Technically, Medi-Share is not insurance. It is a non-profit program for Christians to share their medical expenses that might be able to replace insurance for some families.Įvery month, the monthly share of each individual is combined.