Medi-Share FAQs

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Medi-Share Complete FAQs

You Have Questions,
We Have Answers.

Medi-Share Complete Program

Is Medi-Share Christian insurance?

No. Medi-Share is not insurance. Medi-Share is a healthcare sharing program where Christians share their financial resources to pay each other’s medical expenses. Medi-Share isn’t insurance. Resources are shared directly between members. There is no pooling of funds as practiced by insurance groups. Christian Care Ministry and the Medi-Share program are not registered or licensed by any insurance entity, nor are we required to be. We do not collect premiums, make promise of payment, or guarantee that your medical bills will be paid. Sharing medical bills is completely voluntary. 

How is Medi-Share biblical?

Taking care of each other was a way of life for Christians in the days of the early Church. The book of Acts is a great picture of the fellowship of believers as well as mutual care. 
All the believers were together and had everything in common. They sold property and possessions to give to anyone who had need. Acts 2:44-45 
Christians view Medi-Share as a way to reclaim their biblical mandate to care and provide for their brothers and sisters in Christ. 

Who makes the rules for the Medi-Share program?

The Members make the rules! All Members have the opportunity to vote on how they wish to care for one another. The Board of Directors and Medi-Share Steering Committee members review suggestions from Medi-Share Members and recommend changes to the Guidelines. Voting is used to help create, amend and change the program Guidelines; voting is not used for determining whether specific individual bills should be approved for sharing.

Why should I consider or stay with Medi-Share?

Members have chosen Medi-Share for many reasons:

  1. Good Stewardship
    Most Medi-Share members are able to significantly cut their annual medical expenses, leaving them with more of their income to support their families and the Lord's work.
  2. Not Subsidizing Unbiblical Lifestyles
    Medi-Share members and their dollars do not pay for abortions, drug addictions, or any other unbiblical lifestyles.
  3. Sharing With Brothers and Sisters in Christ
    Knowing that a Christian will receive your monthly sharing gift is very gratifying. Medi-Share members know that they are truly making a difference in the life of a brother or sister in Christ. Those receiving those gifts are greatly encouraged in their time of need. 

How do I add family members to my Medi-Share Complete household?

They must enroll by completing the application to Add-on Family Members located in your Member Center under the Resources tab within the Forms page.

How do I add our new baby?

A newborn can be added by submitting an Add-on Family Member application within 30 days of delivery. Please review Medi-share Complete Guidelines Section VII D for additional information.

What is an Annual Household Portion (AHP)?

 The AHP is the dollar amount a Household must pay toward their Eligible Medical Bills during a 12-month period before their needs will be approved for sharing. The AHP 12-month period begins with the Effective Date. For a short video on what is an AHP, click here.

How can I switch my program AHP?

You can switch program AHP levels online. All household members on Medi-Share Complete must switch together to the new AHP. Certain limitations apply please review Medi-share Complete Guidelines Section IV B for additional information.

What do I need to do before I turn 65?

When you turn 65 years old and have Medicare parts A & B, you are able to transition to the Medi-Share 65+ program. The requirements to complete the process are simple:

  • Download and fill out the Transition to Medi-share 65+ from Medi-share Form located in your Member Center under the Resources tab within the Forms page.
  • Provide your Medicare number along with your Part B start date.
  • If you do not have Medicare Parts A and B, you may remain on Medi-Share Complete.

What do I do for adult children?

Once a child reaches 18, they may apply for an individual program or remain on the family’s program until they reach age 23.

If the child remains, they must complete Testimony & Commitment form within 60 days of the 18th birthday or bills will not be eligible for sharing and will be withdrawn. An email will be sent prior their 18th birthday with instructions to complete Testimony and Commitment form.

Your child must apply for their own program prior to their 23rd birthday by completing the Application to Leave Family for Individual Program found in your Member Center under the Resources tab, then select Forms. Review Medi-share Complete Guideline Section II for additional details.

My adult child is on my family program and is getting married, what do I do?

Your child must apply for their own program prior to the wedding date by completing the Application to Leave Family for Individual Program found in your Member Center under the Resources tab, then select Forms. Review Medi-share Complete Guideline Section II K for additional details.

How can I get a new Medi-Share Complete ID card?

You can access a digital copy of your member cards by logging into your Member Center at and click on View ID Card. You can also access your ID card on Medi-Share mobile app and select Cards. To request a new hard copy of your card(s), please call Member Services at (800) 264-2562.

For a short video tutorial on where to find your Medi-Share Complete ID card, click here.

Why do I have two different ID cards?

Your green Medi-Share Complete card is for medical needs such as office visits with your primary care physician or a hospital visit. You should also present this card at your pharmacy when fulfilling prescriptions as the information your pharmacist will need is on the front of the card. Your orange Select Savings card is for discounts as a cash customer the day of service for vision, dental, and hearing needs through Careington providers.

How do I use MDLIVE?

You will have access to MDLive, our contracted telehealth provider, at no cost. MDLive gives you 24/7 access to a board-certified physician who can help you determine if further care or testing is recommended before exposing yourself and/or others to the virus. If you have not yet registered or set up your account for MDLive, please visit and register now before you need care. If you are already set up with an account on MDLive, simply login to schedule your virtual call. For a short video tutorial on MDLive, click here.

What is the health incentive?

You may qualify for a discount on your  Monthly Share amount with the health incentive. All adult Members must meet certain health criteria. To qualify, you must verify your blood pressure, BMI, and weight/waist measurement within 30 days of each other.  For more information, click here. For a short video tutorial on the Health Incentive Discount, click here.

Is there any incentive when I refer someone to the Medi-Share program?

Yes, members who refer others to Medi-Share using your unique referral link can earn $100 for every friend who joins as a result of your referral. Log into your Member Center, click on the Resources tab, and select Refer a Friend.

What do I do if I forget my login or password?

Log into your Member Center at Select ‘Forgot Your Password’ or ‘Forgot Your Username’ and you will be able to retrieve or reset it.

What do I need to do to cancel my membership?

Please call (800) 264-2562 Extension 7075 and we can process your withdrawal request.

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