Cost has gone up 50% in two years. Every month it's more with no explanation no warning. Asked for answers, get nothing. We have an incredibly high family share because we don't have many medical bills. We can no longer afford this.
SA
Sam
Run as far as you can from this company
Run. They are incredibly kind UNTIL you are a customer. Then expect nothing but super impatient help over the phone, red tape that makes no sense. It's near impossible to find providers that are considered in network. And on top of it you won't get any sort of self pay discount, no matter what they tell you. Essentia Health told me today that Medi Share provides a card, so you'll never be considered self pay. Aka we would have SAVED money by having nothing at all then using them for the past several months. Don't even consider it.
Response from medishare.comOct 8, 2026
Sam, Medi-Share appreciates your comments, and we are sorry for any frustration you may have experienced as a member. We can assist in locating in-network providers, but members can see out-of-network providers if no others are available. Essentia Health may have given you some misinformation about how Medi-Share works regarding discounting. Please email [email protected] and provide your full name and Household ID Number, and we will reach out to you to assist. Thank you.
AA
AAAAA
Had Medishare for years, Avoid!
We've had Medishare for multiple years and never had to use it until the birth of our 3rd child. I do not recommend them at all after our experience. They are not customer centric or focused. It is a big money machine and they will treat you like a number. Calling in is useless, their communications are not clear, they constantly change terms and pricing. I think it started with good intentions and is run by money and profit now. Avoid at all costs.
Response from medishare.comOct 8, 2026
Thank you for taking the time to post your feedback. Medi-Share apologizes if you felt "like a number," rather than a valued member, which is not how we want you to feel. Medi-Share takes your comments seriously and would like more information so we can address your concerns about terms, pricing, etc., specifically. Please email [email protected] and provide your full name and Household ID Number so we can do some research and follow up with you directly. Thank you very much.
KS
Kristin S.
I was with them for years and after my…
I was with them for years and after my husband losing his job, they had no options for me for a program or any assistance to hold onto my insurance for 30 days. They also told me that if I reapply that I can't submit any bills to them for 90 days. This is NOT a ministry! This is big gov taking their money and not helping their members !!! DO NOT JOIN!
Response from medishare.comSep 11, 2026
Kristin, Medi-Share appreciates you bringing your frustration to our attention. Medi-Share does have options to lower your monthly share cost if you would like to discuss those. Sharing assistance is available if a member's illness or injury causes a loss of income, but not due to job loss. Medi-Share is a health care sharing ministry, not insurance, governed by member-voted guidelines, acknowledged by all members. As per those guidelines, when someone is canceled for not sharing faithfully, they can reapply. If approved for a new membership, eligible medical bills will be shared after the first 90 days per the guidelines. Medi-Share has to uphold the guidelines that members have voted to put in place. If you have further questions or comments, please call 800-264-2562 or email [email protected]. Thanks very much.
RS
Robert S.
This is my final review
This is my final review. After paying money for 2.5 years into a medical sharing organization, I can say avoid at all costs. My costs for melanoma surgery and biopsies totaled well over 37k just in n the last 3 months of paying into this scheme. I easily met my deduction amount. I gave them one more chance to investigate my claim. lol. They will find reasons out of your control to not pay one cent. Run and let them pray over their own souls. They need it. Phony organization.
Response from medishare.comAug 27, 2026
Robert, Medi-Share sincerely regrets your disappointment with the program. At Medi-Share, members vote on the guidelines, so please understand that Medi-Share cannot share in medical bills if requested information is not received. Your records have been reviewed, and if the requested information is received within one year from the date of service, your bills can be submitted for reprocessing. If you have any questions, please call Member Services at 800-264-2562. Thank you.
CJ
Cole J.
Scam, fake spiritualists trying to steal your money
Being apart of Medi-Share was a constant headache. At a glance their website deceives you into thinking that there are plenty of providers in the area that take medi-share. When this is in fact not the case. Their customer service was atrocious, their website was constantly billing me even though I had already paid my share. The whole thing felt like a big scam honestly, and I wasted way too much money on medi-share and received no health help whatsoever. Do yourself a favor and don't waste your time with medishare.
Response from medishare.comAug 28, 2026
Cole, thank you for voicing your concerns about Medi-Share. We regret that you feel the program held little value for you. Medi-Share has recently improved the provider search process with the implementation of a new purpose-built provider search tool. We apologize if the auto-generated monthly share statements were troublesome to you. As a health care sharing ministry, and not insurance, your membership was a blessing to many. If you have further questions or comments, please email [email protected] . Thanks very much.
MA
mayra
Medi-Share denied my claim
I am extremely disappointed with my experience with Medi-share. they denied coverage for my hip replacement surgery by labeling it as a pre-existing condition.
for nearly seven years, i saw my orthopedic dr to monitor my hip. During that time, we were simply keeping an eye on it. It wasn't unit recently that my condition progressed to bone-on-bone arthritis, causing severe pain and making everyday activities difficult. at this point, surgery became medically necessary.
Instead of recognizing that my condition had significantly worsened, Medi-share denied my claim because I had been seeing the same dr for years. This is called monitoring a condition.
The experience has been frustrating and stressful.
I encourage anyone considering Medi-Share to carefully understand how they define pre-existing conditions and how that my effect coverage for future medical needs.
Response from medishare.comAug 27, 2026
Thank you for your feedback, Mayra. Medi-Share reviewed your concerns previously. As a gentle reminder, this health care sharing ministry is governed by member-voted guidelines that are applied equally across the membership. Section VI, F of those guidelines states: "A pre-existing medical condition is defined as signs/symptoms, testing, diagnosis, treatment, or medication for a condition within 36 months prior to membership (based on medical records)." As you indicated, you have had difficulties with your hip for seven years. Medi-Share has a responsibility to uphold the guidelines that members have put in place and to which each new member agrees when joining. If you have any questions, please call Medi-Share at 800-264-2562. Thanks very much.
GH
Gregory H.
Faith Based Organization? Really?
How does a faith-based organization who's foundation is loving and caring for others, have a large set of pre-existing conditions?
I accept the lifestyle principles at face value. Completely consistent and no difference from USAA initially starting with Commissioned Officers whose lifestyle tends to be less risky.
Got that.
I can even leap to the conclusion that one's behavior is potentially a reason for disqualification from a medical condition.
Like overeating for years at Church Picnics with the fatty foods and then getting high cholesterol and having to take medications. My consequence for my chosen behavior, so, my sin, my cost.
Got it again. Kind of.
But thyroid disease, no behavioral health, let alone any hint of a condition is a pre-condition, and you have a health plan that is so failed, its founders should be ashamed of its closet discrimination that isn't so 'closet'.
So, diseases brought on by pollution, like living in a town full of chemical factories.
Being subjected to trauma, without request, leaving one mentally broken. "No bueno" says the Christian organization.
Foot those sinful bills yourself.
Disgust at the hypocracy results.
It's difficult. I did my job, worked hard, lived my life along the same principles of this organization and found myself having to care for someone 62, causing me to quit my job and live off my life savings to get to 65.
There is no insurance that helps. None. Medishare COULD have.... but, given could have never been sick and have a condition and qualify for insurance that might actually help, instead of further draining what little is left.... we get this feckless organization.
Like all the others.
Response from medishare.comAug 27, 2026
Mr. Hendrickson, because Medi-Share is not insurance, there are some differences to be aware of, especially when there are pre-existing needs. Please understand that membership would not be denied because of pre-existing conditions. The guidelines that are in place are voted on by the members, keeping in mind that our goal is to keep monthly costs down. The ministry's intention is never to cause hardship, which is why we strive to educate those interested. Those needs could still be eligible for discounts if you stayed in the First Health network. We do realize Medi-Share is not always the best fit for every need, which is why it's great that there are many choices available today. More details can be found here: https://www.medishare.com/start-here . Thanks very much.