Medishare Calculator

Medishare Cost Estimator

Use this calculator to estimate your potential monthly contributions and annual costs with a Medishare program. Medishare is a health care sharing ministry where members share each other's medical bills. Your costs are primarily determined by your household type, your chosen Annual Household Portion (AHP), and the age of the oldest member.

Individual Couple Family
$3,000 $6,000 $9,000 $12,000

Understanding Medishare and Your Costs

Medishare, offered by Christian Care Ministry, is one of the largest health care sharing ministries in the United States. Unlike traditional health insurance, Medishare is a community of believers who voluntarily share each other's medical expenses. It operates under a different model, often appealing to those seeking a faith-based approach to healthcare and potentially lower monthly costs.

How Medishare Works

Members make a monthly contribution, which is then used to share eligible medical bills among the community. Key components of Medishare include:

  • Monthly Contribution: This is the recurring amount you pay each month to be part of the sharing community. It varies based on your household size, the Annual Household Portion (AHP) you choose, and the age of the oldest member.
  • Annual Household Portion (AHP): Similar to a deductible, the AHP is the amount your household is responsible for paying towards eligible medical bills each year before the Medishare community begins to share. Common AHP options include $3,000, $6,000, $9,000, and $12,000. A higher AHP typically results in a lower monthly contribution.
  • Eligible Medical Bills: Medishare shares a wide range of medical expenses, including doctor visits, hospital stays, prescriptions, and more, provided they meet the program's guidelines.

Benefits of Medishare

  • Cost Savings: Many members find Medishare to be more affordable than traditional health insurance, especially for healthy individuals and families.
  • Community and Faith-Based: Members appreciate the spiritual aspect and the sense of community that comes from sharing burdens with fellow believers.
  • Flexibility: Medishare often offers more flexibility in choosing healthcare providers, as it doesn't typically rely on restrictive networks.

Important Considerations

It's crucial to understand that Medishare is not health insurance. It is a voluntary program, and while it has a strong track record of sharing eligible bills, it does not guarantee payment. There are also specific guidelines regarding pre-existing conditions, lifestyle choices, and eligible medical events that members must adhere to.

Using the Medishare Cost Estimator

Our calculator helps you get an idea of your potential Medishare costs. Simply select your household type (Individual, Couple, or Family), choose your desired Annual Household Portion (AHP), and enter the age of the oldest member in your household. The calculator will then provide an estimated monthly contribution, total annual contribution, and your maximum potential annual out-of-pocket cost (AHP plus annual contributions).

Disclaimer: The rates used in this calculator are hypothetical and for estimation purposes only. Actual Medishare contributions and program details can vary based on specific plans, health status, location, and current program rules. This calculator does not provide a quote and should not be used as a substitute for obtaining an official quote directly from Christian Care Ministry or a licensed agent.

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Estimated Medishare Costs:

" + "Estimated Monthly Contribution: $" + monthlyContribution.toLocaleString('en-US') + "" + "Estimated Total Annual Contribution: $" + totalAnnualContribution.toLocaleString('en-US') + "" + "Maximum Potential Annual Out-of-Pocket: $" + maximumAnnualOutOfPocket.toLocaleString('en-US') + "" + "This includes your total annual contributions plus your chosen Annual Household Portion (AHP), representing the maximum you might pay in a year if you meet your AHP."; }

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