Medi-Share and Pregnancy: What’s covered, what’s not

by Keely S.

Trying to grow your family and wondering if Medi-Share can help you cover your costs? While this sharing ministry can be a great, affordable alternative to traditional health insurance, there's a few things you need to know first. 

Firstly, Medi-Share is a faith-based, Christian alternative to traditional health insurance. It is a community of believers who pray for and pay for one another’s medical events. Members pay a monthly share that helps to cover the existing bills of other members. When your own needs arise, other members cover them.

This sharing ministry is a lot more affordable than traditional insurance and you can sign up any time of the year, instead of just during open enrollment. It’s really a great option for those of Christian faith, even for growing families! (Just ask Sean Lowe!) Plus, it has a really solid PPO network.

Sound good so far? Here are a few important things to keep in mind.

Medi-Share and Pregnancy Guidelines

Medi-Share does not exclude people for pre-existing conditions (similar to major medical plans), but they won't pay for any pre-existing conditions for the first 36 months. Very important!

That means if you are already pregnant when applying for Medi-Share, that pregnancy will not be covered.

If you are planning for a family, your pregnancy journey will be a lot more affordable if you are already signed up for Medi-Share before you get pregnant.

(Read about our CEO’s personal experience with this very thing!)

Also, as stated in their guidelines, a baby conceived out of wedlock will not be covered.

What’s covered

  • Up to $125,000 for any single pregnancy event, to include antepartum care, the cost of delivery and complications to the mother and/or child(ren) and postpartum care
  • Complications with the mother
  • Well-child visits from newborn- age 6 (important note: vaccines are not covered!)
  • Adoption costs up to $4,100 (dependent upon the members Annual Household Portion)

What’s not covered

  • Accupuncture
  • Fertility/infertility care – including, but not limited to: 
     --Birth control procedures, such as IUD, and/or related supplies 
     --Infertility testing and treatment 
  • Lactation Counseling
  • Lamaze Classes
  • Breast Feeding Classes

Still need help figuring out Medi-Share and pregnancy coverage?

Still have questions? Take Command Health is committed to helping individuals choose the best plan for their families. Our CEO has personal experience with Medi-Share and has reviewed their experience for you! Spoiler alert: they loved it! 


Picture of Keely S.

Hi, I'm Keely S.! A wife to one and mother to four, Keely does all of the things. She’s also dabbled in personal finance blogging and social media management, contributed to MetroFamily magazine, and is passionate about good food, treasure hunting and upcycling. With a B.S. in Psychology from the University of Oklahoma and a knack for a witty punchline, it’s no surprise that Keely’s social posts are as clever as they get. In her (very little) free time, you’ll find Keely with her nose in a book or trying out a local restaurant with her family.