Medi-Share Members in Maryland

Sharing Details for our Maryland Members

Thank you for being a valued member of our community! As Medi-Share is a health care sharing ministry, and not health insurance, Christian Care Ministry is working with the state of Maryland to ensure our Maryland members maintain their right to choose Medi-Share as an alternative to health insurance. 

Payments to providers typically come from Medi-Share on behalf of other members’ sharing dollars. However, 
Maryland members are responsible for paying providers directly. All other details of sharing remain the same, regardless of where you live.

As a Medi-Share member in the state of Maryland, please follow the steps below:

  • Step 1: When seeking care, pay your Provider fee at the time of service. Your Provider should send the bill to Medi-Share, as usual, using the information on your Member ID card.

  • Step 2: After your bill has been processed, if there are eligible needs that exceed your Annual Household Portion (AHP), you will receive an e-mail informing you that a check is being mailed to you so you can pay your provider. To see the details of what bills were eligible for sharing, what amount (if any) was applied to your AHP, and your member responsibility (if any), review your Explanation of Sharing (EOS) in the Member Center.

  • Step 3: You’ll receive a check by mail from Medi-Share payable to you, the Member.

  • Step 4: Deposit the check into your bank account.

  • Step 5: After confirming the check has cleared and the funds are available, pay your Provider the amount due, including (if applicable) any Member Responsibility as reflected on the EOS.

These few additional steps enable you to remain a part of our sharing community, and for that, we are grateful. As part of the Medi-Share community, members experience significant savings including network discounts, Dental, Vision & Hearing discounts, prescription discounts, telehealth visits at no additional cost, and more!

Christian Care Ministry is committed to its mission to connect people to a Christ-centered community wellness experience based on faith, prayer, and personal responsibility. This revised process of operation puts an emphasis on the latter part of that mission; one in which we commit to partner with you, our members, to ensure success.


Frequently Asked Questions

What do I tell my provider at the time of service?

You should still pay your $35 provider fee* ($200 for emergency room) at the time of service, and your provider should still bill Medi-Share directly using the information on the back of your Member ID card.

*Does not apply to members of Senior Assist or Medi-Share 65+

Do I need to pay my provider at the time of service?

You will still pay your $35 provider fee* ($200 for emergency room) at the time of service. Any additional amount due will be determined during bill processing and you will be notified of the amount due to your provider on your Explanation of Sharing (EOS).

*Does not apply to members of Senior Assist or Medi-Share 65+

What if my provider requires more than the provider fee at the time of service?

Even if you know you have not met your AHP, you should have the providers submit the bills to CCM for discounting, to determine if they are eligible, and whether they should be applied to your AHP. Your provider will then bill you for the net amount (which is the discounted amount minus the provider fee).

Does my provider still submit my bills directly to Medi-Share for sharing?

Yes, your provider should still bill Medi-Share directly using the information on the back of your member ID card.

What happens if I receive an email from Medi-Share that a check is on the way, but I don’t receive it in a timely manner?

If you do not receive your check within 10 business days of receiving the email, please call Member Services at (800) 264-2562.

What happens if I don’t pay my provider?

Failure to pay your provider immediately upon receiving a check from Medi-Share may result in you having to bear more of the financial responsibility.

How soon after I receive my check do I need to pay my provider?

You should pay your provider immediately to ensure you lock in the discounted rate. To ensure your bill is paid in a timely manner, consider calling your provider’s billing office and paying over the phone with a debit or credit card.

How does this affect my maternity global billing process?

Your maternity event will still follow the same process as outlined in your program maternity guide.

What if I have a major medical event that involves several providers and ongoing bills?

You should pay your provider fee as you normally would at the time of service. Ongoing bills will be processed as they are received, so keep checking your EOS and watch for emails from Medi-Share indicating that the bill(s) has been processed and a check is on the way to you.

Why is this happening in Maryland?

Even though the state of Maryland Insurance Administration determined that Medi-Share is not insurance, the Administration set forth certain parameters in order for Medi-Share to operate as health care sharing. Medi-Share is making this change as one way to continue providing sharing in Maryland.