Overwhelmed by the insane cost of traditional health insurance? This year, Take Command Health is offering Medi-Share in addition to insurance plans from the brokers you know like Aetna, Blue Cross, United, Cigna and Humana.
So... what is Medi-Share? Medi-Share is a non-insurance alternative to traditional health insurance that allows Christians to pool their resources and share the cost of each other's health care bills. Members of Medi-Share are exempt from the Affordable Care Act penalty for not having health insurance.
So... how does it work? When you become a member of Medi-Share, you select an annual household portion and a standard monthly share. Each month you pay your "standard monthly share" similar to how you pay a monthly premium on traditional insurance. Your share then goes to help pay the medical bills of other members.
When you go to the doctor, you pay a "provider fee" similar to a copay. Your doctor will then submit the rest of your bill to Medi-Share. After Medi-Share receives the bill, they process it for any applicable discounting and you pay the bill if you haven't hit your "annual household portion." Medi-Share then tracks that amount against your "annual household portion."
Once you hit your "annual household portion" all of your medical bills are then eligible to be shared between Medi-Share members.
Not all services that are covered by traditional insurance are covered by Medi-Share--for example, pregnancy outside of marriage or anything that may happen as a result of smoking/drug use. Additionally, many pre-existing conditions are not covered by Medi-Share (though Medi-Share members often help other members pay for care related to pre-existing conditions even though it isn't technically covered.)
Our goal at Take Command Health is to help you find the coverage that works best for your family--whether that's traditional insurance or an alternative like Medi-Share. Want to compare the two side-by-side?
Stop by Take Command Health today!
I wrote this blog because I care about ideas (big and little) that can help fix our healthcare system. I used to work on projects for Kaiser Permanente and the Parkland Health & Hospital System so I've seen the system inside and out. It's so important that consumers keep up with industry shifts and changing health insurance regulations. I'm also Take Command Health's Content Editor and a busy mom. Learn more about me and connect with me on our about us page. Thanks!