Medishare Pricing Calculator

Medishare Monthly Share Estimator

Use this calculator to get an estimated monthly share amount for a Medishare program. Please note that this calculator uses a simplified, representative pricing model and is not an official quote from Medishare. Actual pricing may vary based on specific program details, health history, and other factors.

Understanding Medishare Pricing

Medishare is a health-sharing ministry, not traditional health insurance. Members share medical costs directly with one another, adhering to biblical principles. This model often results in different pricing structures and terminology compared to conventional insurance plans.

Key Factors Influencing Your Monthly Share

1. Household Size: Whether you're an individual, a couple, or a family with multiple children significantly impacts your monthly share amount. Larger households generally have higher share amounts to cover the potential for more medical needs.
2. Age of Oldest Member: Age is a primary factor in health-sharing pricing. As individuals age, the likelihood of needing medical care typically increases, which is reflected in higher monthly share amounts for older members.
3. Annual Household Portion (AHP): The AHP is similar to a deductible in traditional insurance. It's the amount your household is responsible for paying towards eligible medical bills each year before the Medishare community begins sharing costs. A lower AHP means you pay less out-of-pocket before sharing begins, but it typically results in a higher monthly share amount. Conversely, a higher AHP means a lower monthly share. Common AHP options include $3,000, $6,000, $9,000, and $12,000.

How Medishare Works

Instead of paying premiums to an insurance company, Medishare members contribute a monthly "share" amount. These shares are then used to pay for eligible medical bills of other members. When a member incurs an eligible medical expense, they are responsible for their AHP first. Once the AHP is met, the remaining eligible costs are submitted for sharing by the community.

Important Considerations

• Not Insurance: Medishare is not insurance and is not regulated as such. It does not guarantee payment of medical bills.
• Statement of Faith: Membership typically requires adherence to a statement of faith and a Christian lifestyle.
• Pre-existing Conditions: There are often specific guidelines and waiting periods for pre-existing conditions.
• Eligible Expenses: Not all medical expenses are eligible for sharing. It's crucial to understand what is and isn't covered by the program guidelines.

For an accurate quote and to understand all program details, it is always recommended to contact Medishare directly.