How does Medi-Share work with pre-existing conditions?

Although Medi-Share was designed primarily for new and unexpected illnesses or injuries, some pre-existing conditions may be eligible for sharing.


medical bills healthcare sharing pre-existing conditions medishare if you haven't been treated or had symptoms

Medical bills for treatment of a pre-existing condition (a condition that existed prior to membership) are eligible for sharing as follows:

 

Up to $100,000 per Member per calendar year IF:

  • The condition has gone 36 consecutive months without signs, symptoms, treatment or medication OR
  • The Member has shared faithfully for 36 consecutive months (has been a member for 3 years)

Up to $500,000 per Member per calendar year IF:

  • The condition has gone 60 consecutive months without signs, symptoms, treatment or medication OR
  • The Member has shared faithfully for 60 consecutive months (has been a member for 5 years)

 

It’s also important to know that high blood pressure or cholesterol that is controlled through medication or lifestyle will not be considered a pre-existing condition for the purpose of determining eligibility for future vascular events.

 

The bottom line: If you haven’t been treated or had symptoms for 3 years or more when you join, your condition may be eligible for sharing if it reoccurs, with some limitations on the amount shareable.

 

Please read the complete Medi-Share Guidelines,  Section VI. Details of Sharing, F. Pre-Existing Medical Conditions or Related Conditions

 

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Download the Medi-Share Sharing Summary