This last year I ran into a huge dilemma like a lot of you probably did. My healthcare insurance provider pulled out of my state and the only option I was left with was Obamacare, which was beyond crazy expensive. Because I am all about pinching pennies, I went on the hunt for cheap health insurance, and I discovered Medi-Share. I only wish I had found them years ago. Check out my Medi-Share review below and why I can’t recommend them enough.
Even if Obamacare eventually gets repealed (which it might here shortly), I have lost all faith in our healthcare system as a nation. And there is no way it will get reduced by that much.
Journey to Find Cheap Health Insurance
I work from home (in the United States) for a company overseas, as well as manage a multitude of my own projects. This means the IRS sees me as self-employed, and my employer doesn’t provide health insurance. There are thousands of freelancers and remote workers in similar positions. A couple years back I purchased health insurance from Aetna, which cost me about $275 a month.
But then it happened! Obamacare pretty much destroyed the health insurance marketplace and last year I discovered that every single private health insurance company in the state of Arizona was pulling out. This meant my only option was to sign up for Obamacare. I went and got a quote from healthcare.gov and my heart dropped. Their cheapest plan was $425 a month for single person plan.
I had heard bad things about Obamacare, but I couldn’t believe it. There was just no way I was going to pay $425 a month for health insurance, and the deductibles on that plan were still very high. That didn’t even include eye or dental insurance, only health. Working from home I have to budget for all of these things.
I actually closed my browser at that point in time and let my mind rest for a week or so, as I was kind of stressed out. I was really just kind of ignoring the problem and was seriously thinking about just taking the penalty and not signing up for insurance. For those of you who aren’t familiar with the US healthcare system, we get penalized if we don’t signup for health insurance.
I then did what most people do nowadays. I posted on my Facebook page and asked what everyone else was doing because this was mind boggling. Nobody had a good answer. However, a couple days later one of my relatives mentioned I should check out Medi-Share. I personally had never heard of it. So I headed over to mychristiancare.org (also known as Medi-Share).
Upon first visiting their site I could instantly tell they were a Christian organization. Being a Christian myself (even a Pastor’s kid), I thought this was pretty cool! Reading into it more I really was inspired by what their organization was providing. Here is a breakdown from their site about how Medi-Share works:
Each month, your monthly share is matched with another’s eligible medical bills. Through a secure online portal, Christian Care Ministry publishes the bills eligible for sharing and coordinates the direct sharing of medical costs between members. You will know each month whose bills your share is helping pay, and when you have eligible bills and your annual household portion (AHP) has been met, your fellow believers will be sharing those bills and praying for you as well.
Or in short, it’s like Christian crowd-funded healthcare! Together, members have shared over $1.6 billion dollars in medical bills since 1993.
Who is Medi-Share For?
If you aren’t a Christian, this might not be for you, however, I urge you to still look into it. You might be surprised by what I found to be an awesome and friendly community that helps each other. To be a member you should agree to this statement of faith. I had no problem with this as I will hold these beliefs until the day I die. They provide affordable options for individuals, families, and seniors! There’s even a group program for churches and Christian employers.
And if you are wondering, this does comply with federal regulations for health insurance. If you go with Medi-Share you won’t be penalized.
How Much Does Medi-Share Cost?
So I know you are all probably wondering, how much does Medi-Share cost? Well, it really depends on your age. Here is a chart from someone in their mid 30’s. I ended up going with the $10,000 household portion, which if comparing to normal insurances is what they call your deductible. I haven’t had any health issues for a while and have savings so I was fine going with a higher deductible. Because of this, I ended up paying $73 a month for my health insurance! This is a savings of $352 a month compared to Obamacare. Mind blown.
And as you can see above, if you need insurance with lower deductibles, they have very reasonable rates!
Dental, Vision, and Free Doctor Video Chat Included
And if you were wondering, this also includes coverage for dental, vision, and free 24/7 on-demand access to US Board Certified doctors via video chat! Talk about awesome. And yes, just like typical insurance providers you get ID cards which you can give to providers. You get hard copies in the mail, and you can also easily print these anytime from the website. Remember, they don’t technically call this insurance, but rather private healthcare and discounts. But insurance is essentially what it is.
I have used Blue Cross and Aetna before, and I can tell you that Medi-Share’s website is just amazing in comparison. It’s like they actually hire real designers over there. Here is a screenshot of the dashboard. As you can see you can quickly find providers, edit your payment methods, find forms, print ID cards, and check on on your medical bill status. This is what a health insurance website should look like! It’s clean, simple, and easy to find everything.
Putting Medi-Share to the Test
I didn’t plan on putting Medi-Share to the test anytime soon, but one morning this last May I woke up with intense chest pain. It got so bad I thought I was having a heart attack, even though at my age that is very unlikely. So I went over to the emergency room. Well, long story short… I was sent to the hospital and had to stay there for four days. Thankfully, it turned out to be Pneumomediastinum, which is basically where air leaks into the chest cavity.
A lot of times this happens in super skinny people, which I am. And it resolved on its own after some bed rest. Ironically my doctor, who was also a super skinny guy said he has this happen to him once when he was younger as well. He said it rarely every happens again. But this is a friendly reminder to all of you, no matter how healthy you are, you should always have some type of health insurance!
But, like some of you probably know, a trip the ER with lots of tests and four nights in the hospital is not cheap by any means. All in all, I wound up with a $46,000 bill. So I ended up really putting Medi-Share to the test. I can personally vouch for them and once I hit my deductible of $10,000 they paid for the rest. Below is just one of the many screenshots. In the end, they paid for around $35,000 and there was $1,000 or so that was not covered.
One really cool thing is that it is like a community of people helping each other. People can comment on each other’s medical bills being shared and you can actually see where your money is going. You can even thank everyone for their help. This is so much better than just handing your money over to a corporation.
I also have to give a shoutout to the Medi-Share staff. I have called them a couple times and they are literally the most polite people I have ever talked to. They even say a prayer with you on the phone, which I thought was really cool. I remember calling Aetna, and every time I talked to someone it was like they hated life, their job, and just wanted the conversation to be over. It is the exact opposite with Medi-Share. If you don’t believe me, feel free to dial them right now and chat.
They also go the extra mile. The last guy I talked to actually sent me a handwritten note in the mail. Yes, handwritten! (see below) It reads:
I’m praying for you to have healing, strength, recovery and the peace and presence of Christ. “In this world you will have trouble, but take heart, I have overcome the world.” John 16:33
In Christ, David
How cool is that? I can promise you Obamacare won’t be sending you any personal notes anytime soon.
I can honestly say that Medi-Share is a true blessing! Their price is great, the people are superb, and the coverage works. Is it for everyone? Probably not, but it can definitely work for a lot of you just like it did for me. I want to personally thank the founders of Medi-Share for coming up with such a creative company. They aren’t just about providing cheap health insurance. I really believe they are creating a difference in the world, and it’s something our nation especially needs right now.
I am curious, have you had any experience with Medi-Share? If so, I would love to hear your thoughts. And if this Medi-Share review was helpful, please share it!
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