medishare.comReviews of medishare.com

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!