Medi-Share FAQs

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Medi-Share 65+ FAQs

You Have Questions,
We Have Answers.

Medi-Share 65+ Program

How does Medi-Share 65+ work?

Medi-Share 65+ works much the same as Medi-Share except Medicare is now the primary.  Medicare first processes eligible medical bills, and the remaining amounts that Medicare does not pay are processed for eligibility by Medi-Share 65+.  Once eligible medical bills exceed the AHP in that year, the amounts outstanding are shared.  At the time of the medical service, members must present both their Medicare and Medi-Share 65+ card.  When billing, the Provider sends the claim to Medicare for processing and then to Medi-Share 65+.  For a short video tutorial on how Medi-Share 65+ works, please click here.

Is Medi-Share 65+ insurance?

No, Medi-Share 65+ is not insurance or an insurance policy and is not offered through an insurance company. Medi-Share 65+ is a voluntary bill sharing ministry facilitated by Christian Care Ministry where Members share each other’s medical bills.

Must I enroll in Medicare Part A and Part B?

Yes, you must enroll in both parts A and B for bills to process as Medi-Share 65+ is secondary to Medicare.  In general, Medicare Part A, which covers hospitalization cost, is premium- free.  Medicare Part B, which covers medical diagnostic and treatment cost, has a monthly premium, and must be maintained to be able to process all medical bills.

When is someone eligible for Medi-Share 65+?

You are eligible on the first day of the same month you turn 65 if you already have Medicare Parts A and B. If your birthday falls on the first day of the month, you are eligible for Medi-Share 65+ on the first day of the prior month if you already have Medicare Parts A and B.  For a short video on eligibility for Medi-Share 65+, please click here.

If I am already a Senior Assist member, can I switch to Medi-Share 65+?

Yes, you can complete a switch by completing this form and returning it using the instructions provided at the bottom of the form.

If someone has Medicare Parts A & B because they are disabled, but not yet 65, are they eligible for Medi-Share 65+?

No, you are only eligible for Medi-Share 65+ once you turn 65 and have Medicare Parts A and B.

I am enrolled in the Medicare Railroad Retirement Board. Am I eligible for Medi-Share 65+?

No, you are not eligible for Medi-Share 65+ if you are enrolled in Medicare Railroad Retirement Board.

Can I be withdrawn from Medi-Share 65+ for medical reasons?

No, there is no medical reason that would cause you to be withdrawn from Medi-Share 65+.

What if I decide to drop my Medicare Part A or Part B?

You must maintain your enrollment in Parts A and B in order for your Medicare benefit to be effective. Medi-Share 65+ cannot process medical bill submissions without a current enrollment in both Medicare Parts A and B.

What if someone joined Medi-Share 65+, but it is later discovered they do not have Medicare Parts A and/or B?

If a member has dropped Medicare Part B, they must be informed immediately that we cannot process their medical bills since we will not have a Medicare EOB for any of their medical costs. Their Part B medical bills will be ineligible for sharing. Their membership is at risk because we are unable to return them to Medi-Share Complete. There are also costly penalties to unenroll from Medicare Part B, which is why we always advise they keep their Medicare B active regardless of the monthly cost to maintain it. Their options are to stay on 65+ with Part B costs ineligible for sharing and apply for Medicare Part B reactivation or go without a secondary provision until both Parts A & B are reactivated. The member can decide to leave membership, but they will have the same problem with obtaining a replacement provision as Medigap plans and Advantage plans both require enrollment in A & B to acquire a policy. 

What is the annual responsibility?

Medi-Share 65+ has an Annual Household Portion (AHP) or ‘responsibility’ of $500 per member.  The AHP is the amount you must pay toward eligible medical bills during a 12-month period that begins on your current membership effective date before eligible bills can be shared.  Along with the 20% co-insurance that Medicare Part B doesn’t pay, any copayments or deductibles due after Medicare’s processing will be applied toward the $500 AHP.  Once the AHP is met, Medi-Share 65+ will share 100% of the balance on eligible medical bills. Please review Guideline Section IV A for more information.

Are Medi-Share 65+ Members able to use Telehealth/Careington?

Yes, all Members who join Medi-Share Complete or Medi-Share 65+ are entitled to receive the discounts offered through Careington for dental, vision, Lasik, and hearing. They are also able to access telehealth through their member center. Additionally, Medi-Share 65+ members have access to tele-behavioral health counseling services by phone and have access to prescription discounts through Navitus Pharmacy Solutions (note: this is not an alternative to having Medicare Part D overage). Each Medi-Share 65+ Member receives his or her own Careington/Select Savings and 65+ membership card upon becoming a Member.

Is Medi-Share 65+ considered to be creditable coverage or has Medi-Share 65+ been rated according to Medicare?

No, Medi-Share 65+ is not considered creditable coverage, because it is not insurance and is not rated by Medicare.

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