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Medi-Share Complete Guidelines · Section II

II. Membership Qualifications

  • Updated September 29, 2026
  • 2180 words

A. Christian Testimony

Medi-Share membership is built on a foundation of like ideals agreed upon by the Members. The peace of mind of knowing the people sharing your contributions are not using your money for things that conflict with your faith is a blessing many Members enjoy.

All adult Members age 18 and older must attest to a personal relationship with the Lord Jesus Christ.

Adult Members profess the following Statement of Faith to qualify for Medi-Share Complete membership:

  • I believe that there is only one God eternally existing in three Persons: the Father, Jesus Christ the Son, and the Holy Spirit. I believe Jesus is God, in equal standing with the Father and the Holy Spirit.1
  • I believe the Bible is God’s written revelation to mankind, divinely given through human authors who were inspired with the Holy Spirit. It is completely authoritative, and entirely true.2
  • I believe in the deity of Jesus Christ who existed as God before anything was created, His virgin birth, sinless life, miracles, death on the cross to provide for our redemption, bodily resurrection and ascension into heaven, present ministry of intercession for us and His return to earth in power and glory. He is the world’s only Savior and is the Lord of all.3
  • I believe in the personality and deity of the Holy Spirit, that He performs the miracle of new birth in an unbeliever and indwells believers, enabling them to live a godly life.4
  • I believe man was created in the image of God, but because of sin was alienated from God. Alienation can be removed by accepting God’s gift of salvation by grace through faith which was made possible by Christ’s death and resurrection. This faith will be evidenced by the works that we do.5

All Members agree to the following:

  • Live by biblical standards
  • Believers are to bear one another’s burdens
  • Attend and actively support a fellowship of believers regularly

1 Deuteronomy 6:4, Matthew 28:19, Colossians 1:15-20, 2:9

2 2 Timothy 3:16-17

3 John 1:1, Matthew 1:23, Hebrews 4:15, 1 Peter 2:24, 1 Corinthians 15:3-8, Hebrews 7:24-25, Matthew 24:30, John 14:6, Acts 4:12, Isaiah 45:21-23

4 Acts 5:3-4, 1 Corinthians 3:16, Romans 8:14

5 Ephesians 2:8-10, James 2:17, 26

B. Healthy Lifestyle

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. Examples of unhealthy lifestyles include, but are not limited to, the following:

  • Use of tobacco
  • Use of illegal drugs

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*. Applicants attest that they have not abused legal drugs, such as prescriptions or over-the-counter medication, or alcohol for at least the 12 months prior to application in order to be eligible for membership.

*Applicants who have had a rare celebratory cigar (one in the last twelve months) are eligible to apply for Medi-Share.

Members must only engage in sexual relations within a Biblical Christian Marriage.

An adult child (18-22) needs to meet the same faith and lifestyle requirements expected of all adult Members in order to stay on his or her parent(s) household membership. The child must certify that he/she understands and lives by these requirements. If certification is received within 60 days of a child’s 18th birthday, the child’s membership may continue. If not, only Eligible Medical Bills incurred before the 18th birthday will be considered for sharing.

C. Application Review

Applicants and dependents provide medical and lifestyle information during the application process in the Health History section. The Head of Household should answer these questions for all members of the household. This helps determine qualification for Medi-Share membership and eligibility for sharing. Some limitations apply.

Member authorization to obtain medical records for all household members from 36 months prior to membership will be requested at the time of application and is required within 30 days of membership effective date. There will be a review of the medical records to identify and confirm pre-existing conditions as defined in Section VI.F. and identify any lifestyle issues as defined in Sections II. B. and VI. D. Sharing limitations identified through the medical record review will be communicated to the member. Additional review(s) of member medical records may be required during membership to determine final eligibility of specific procedures, treatments, and other provisions.

If a Member disagrees with pre-existing conditions or lifestyle issues, as identified through medical record(s) review, the member can submit a request for Pre-Ex Reconsideration within 30 days of the date of the letter.

If a Member or Applicant becomes aware of any medical history not reported during the application process, that information should be immediately submitted in writing to Medi-Share. If information that would disqualify them from membership is omitted, medical bills may not be shared and/or membership may be cancelled.

D. Health Partners

Medi-Share cares deeply about the health and well-being of all Members. For this reason, some Applicants may be required to become a Health Partner. Health Partners are Members who may be at higher risk for disease. CCM believes certain conditions are likely to be reversed through a healthy lifestyle. By reversing and/or preventing certain diseases, people are able to live healthier and fuller lives, ultimately being able to do more work for the Kingdom of God. CCM’s goal is to help all Members reach their individual health goals so they can live more enriched lives.

A Health Partner is a Medi-Share Member who has access to unique online health content and personalized telephone-based coaching. The Health Partnership Program is designed to support Members in reducing the risk for major disease. Each Health Partner will develop and follow a personal plan for achieving health goals. Health Partners pay a monthly fee in addition to their Monthly Share. Many Members experience life-changing results such as lower cholesterol, healthy weight loss, and the reversal of diabetes.

E. Spouse and Children

The following family members may be included or added to the Member Household if they meet the qualifications for membership:

  • Spouse
  • Biological children*
  • Adopted children**
  • Children in full legal custody or guardianship**
  • Children in legal custody whose adoption is pending and have a legal placement agreement**

*Please see Section VII. D. to review how to add a newborn.

**Please review Section II. K. for additional information.

If the application to add a spouse is submitted and approved before or within 30 days after the marriage date, sharing in eligible needs including a pregnancy occurring on or after the marriage date will start on the marriage date. The share increase will take effect on the first day of the month following approval.

F. Adult Children of Members

Unmarried adult children of Members may be part of the parent(s) Member Household until they reach age 23* if they have a verifiable Christian testimony and commitment to healthy lifestyle outlined in these Guidelines.

Within 60 days after the adult child’s 18th birthday, he or she must complete the following to remain on his or her parent(s)’ Member Household:

  • Sign Medi-Share Testimony and Commitment form which includes:
    • a verifiable Christian Testimony (see Section II. A.)
    • an individual commitment to a healthy lifestyle (see Section II. B.)

*An exception would be those adult children 23 and older who are severely disabled and unable to live or work outside a special environment, who are still dependent upon and under the care of their parent(s).

It is the responsibility of the Member to notify Medi-Share when an adult child no longer qualifies as part of the Member Household. Continuing to submit the Monthly Share at the level that includes the adult child does not extend the membership. An adult child may be added to a Member Household if they meet qualifications for membership.

G. Children of Members Who Apply for Individual Membership

Upon reaching 18 years of age, a child participating under his or her parent(s) Member Household may apply for his or her own membership. The application and Medi-Share membership fees will be waived. The restrictions on sharing during the first month of membership detailed in Section VI. B. will be waived. Any medical conditions previously eligible for sharing will continue to be eligible under the Individual membership.

H. 65 Years of Age and Older

Applicants who are 65 or older are ineligible for Medi-Share Complete. However, applicants who are 65 or older are eligible for Medi-Share 65+. Medi-Share 65+ is a healthcare sharing program designed for seniors with Medicare Parts A and B. Members must transition to Medi-Share 65+ when they turn 65. Medi-Share 65+ is a program for individuals 65 and older with Medicare Parts A & B.

I. U.S. Citizens Who Live Abroad

There are no additional membership qualifications for U.S. citizens who live or have lived abroad.

J. Non-U.S. Citizens

Legal aliens who live full-time in the U.S. can qualify for Medi-Share membership. Medical Bills incurred while not a legal resident of the U.S. are not eligible for sharing.

K. Life Milestones

Medi-Share changes and grows with Members as they go through life. The following are instances where life changes may call for a Member to take action to maintain membership:

1. Adult Child*

  • 18 to 22 years of age – Member must qualify to participate in membership.
  • 18th birthday – The child Member must complete a Medi-Share Testimony and Commitment form to remain under his or her parent(s) Member household or apply for individual membership.
  • 23rd birthday – A child Member turning 23 can apply for individual membership before the birthday, as he or she no longer qualifies to participate as part of the parent(s)’ Member Household.
  • Getting Married – The child Member may no longer participate under the Member Household of the parent(s) and must apply for his or her own membership.

*Continuing to submit Monthly Shares does not extend the child’s membership.

2. Marriage/Divorce

  • Marriage – A member who gets married during membership must notify CCM within 30 days, even if the spouse does not intend to join the program. A spouse must apply and qualify to be added as a Member. The application can be submitted before or after the marriage but must be received within 30 days of the desired effective date. Membership can start on or after the marriage date.
  • Member on a $1,000 Annual Household Portion (AHP) marries, the AHP must be changed.
  • Divorce – Members who are going through a divorce or whose marriage has ended in divorce should contact Member Services for information regarding their options and continuing their membership.

3. Adding Children

A child can be added to membership by submitting an Application to Add-on Family Member(s).

A newborn can be a member from birth if the application is submitted within 30 days of birth. If the application is not submitted within 30 days of birth, the newborn’s effective date will be the first day of the month following approval of the Application to Add-on Family Member(s).

When a Medi-Share Member adopts a child or otherwise has obtained legal custody with legal responsibility for a child’s medical care, that child can be added to the Member household by submitting an Application to Add-On Family Member(s) with acceptable forms of proof listed below:

  • Valid, signed court order of adoption
  • Valid pre-adoption placement order issued by a licensed child placement agency
  • Adoption certification
  • Adoption placement and petition for adoption

The child can be a member from the time of placement, court order or other legal procedure if the application to Add-on Family Member(s) is submitted within 30 days of any such action. If the application is not submitted within 30 days, then the child’s effective date of membership would begin on the first day of the month following approval of the Application to Add-on Family Member(s).

If the adopted child is eligible/qualified for any other source of payment for the child’s medical bills, the Member must cooperate with Medi-Share in qualifying for such payments and those resources must be exhausted before medical bill(s) will be considered for sharing, pursuant to Section XII. A.

4. Turning 65

  • Members must transition to Medi-Share 65+ when they turn 65. Medi-Share 65+ is a program for individuals 65 or older with Medicare Parts A and B.

5. Age Affects Share Amount

  • A change of share amount may occur annually based on the date of birth of the oldest person in the Member Household. Because the $1,000 AHP program is only available for single memberships for unmarried people ages 18-29, when a 29-year-old Member on the $1,000 AHP turns 30, the AHP will automatically change to the next level of AHP with no fee or waiting period. A Member Household will be notified when its share amount changes. Married members will see an increased monthly share amount. If there is a change during membership, their AHP and AHP reset date will change as of the first of the month that the change is effective.