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Medical Share Programs

medical share program concept image
If the cost of medical care and traditional health insurance premiums shock and dismay you, you are not alone. Many Americans are looking for a better alternative, and medical share programs are increasingly attractive to millions of people across the country.

Here are some quick statistics to give you a picture of the current healthcare environment:

2 Million
The increase in the number of Americans without insurance in 2018, according to the U.S. Census Bureau.

2 Million The increase in the number of Americans without insurance in 2018, according to the U.S. Census Bureau./span>

8.5%
Share of the US population who went without medical insurance in 2018, a 7.9% increase from the year before.

8.5% Share of the US population who went without medical insurance in 2018, a 7.9% increase from the year before.

One-fifth
Share of the economy that the total US health spending that is forecasted to increase to by 2025.

$ 3.6 Trillion Amount that spending on health care in the US has increased to in 2018, an increase of 4.6% from the year before, fueled by an increase in the cost of private health insurance plans.

$ 3.6 Trillion
Amount that spending on health care in the US has increased to in 2018, an increase of 4.6% from the year before, fueled by an increase in the cost of private health insurance plans.

$ 3.6 Trillion Amount that spending on health care in the US has increased to in 2018, an increase of 4.6% from the year before, fueled by an increase in the cost of private health insurance plans.

1 Million +
Number of Americans participating in medical sharing programs.

1 Million + Number of Americans participating in medical sharing programs.

If you’re considering your options for affordable healthcare, it’s time to take a look at medical share programs.

Medical Sharing 101:

What You Need to Know

When you’re contemplating choosing a medical share program, there are some basics you should know. The following questions and answers should help you make a wise choice.

  • What are medical share programs?
  • Is a medical share program right for your unique circumstances?
  • Are medical share programs a form of insurance?
  • What are the benefits of choosing a medical share program?
  • What types of medical expenses can you pay with medical share programs?
We have the answers.

1. What Are Medical Share Programs?

Medical share programs offer members a unique way to both obtain financial help to pay for health care expenses and help their fellow neighbors obtain the same assistance. These ministries are made up of like-minded people who share health care costs amongst themselves, helping to minimize the financial burden that often comes with receiving medical services.

The members of medical share ministries share a common belief system and agree to be a part of an organization that is meant to help members facilitate sharing of costs.

Is A Medical Share Program Right for Your Unique Circumstances?

Medical share programs can work for a variety of people in many different circumstances. However, generally speaking, here are some of the common requirements for eligibility in a medical share program:

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No chronic pre-existing health conditions: Most medical sharing programs require that members do not have any pre-existing medical conditions. Those who are in good overall health are better suited for medical sharing programs.
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A healthy lifestyle: Those who avoid potentially hazardous practices, such as tobacco use or immoderate consumption of alcohol, may be eligible for participation in a medical sharing program.
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Sharing the same faith and beliefs as other members of the medical sharing organization: Medical sharing programs are designed to serve those who share the same religious beliefs, providing members with the opportunity to be part of a group of other like-minded individuals.
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Looking for a more affordable alternative to traditional insurance plans: ACA-mandated insurance plans tend to be quite expensive, leaving many Americans unable to afford these policies. Medical sharing programs offer a much more cost-effective option to health care, allowing members to save as much as half – or more – of what a typical insurance policy would cost.
medical share freelance
Approaching retirement and ineligible for employers’ health care benefits: Those who are between the ages of 55 and 64 years of age and are nearing retirement before becoming eligible for Medicare may find medical sharing programs useful in bridging the gap between the coverage received through employment and Medicare.
medical share business
Self-employed individuals, freelancers, consultants and contractors: Those who do not have insurable employment will not be able to take advantage of employer insurance plans. These individuals may choose medical sharing programs as an affordable alternative.
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Small business owners who need to provide healthcare coverage to staff: Businesses with a handful of employees may offer a medical sharing program to employees as an alternative to a health insurance plan.
medical share thinking
Individuals who are ineligible for subsidies with ACA-backed plans: Those with incomes that exceed the federal poverty level will not be eligible for subsidies, even though they may not be able to afford traditional health insurance plans. In these situations, a medical sharing program may be a more accessible and affordable option.

Are Medical Share Programs A Form of Insurance?

No, medical share programs are not insurance. They differ in a number of important ways. Here’s a chart that highlights some of these ways:

What Are The Benefits of Choosing A Medical Share Program?

Health sharing ministries are not necessarily for everyone, but there are specific demographics that are better suited for participating in health share programs.

These may include people who meet the following criteria:

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Are in good overall health. To keep costs down for the entire membership, most health sharing programs limit eligibility to people without complicated pre-existing medical conditions. For those with chronic health issues and pre-existing conditions, there may be better options elsewhere.
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Budget-friendly. Members of medical sharing programs can choose the program that fits their needs and budget.
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Contracted Rates. Members benefit from pre-negotiated fees with network providers for services like doctor visits and diagnostics, along with affordable rates for generic and formulary prescriptions.
medical share checkmark
Medical sharing programs can be customized. There are several different program levels available to medical sharing program members that are designed to meet their needs.
medical share checkmark
Flexibility in choosing medical professionals. Flexibility in choosing medical professionals. Members of medical sharing programs have the freedom to select the specific type of physician or specialist that they want to see, typically within a specific network.
medical share checkmark
Chance to help out other believers. Bible-following members are given the opportunity to be a part of something that helps others who share the same faith, just as the Bible commands.
a family chose sharing medical

What Types of Medical Expenses Can You Pay With Medical Share Programs?

Medical share programs offer a wide range of medical services and features for eligible members, including:

  • Annual wellness visit and checkup
  • Telehealth servicesh
  • Doctor visits for both general practitioners and specialists
  • Urgent care
  • Emergency and hospitalization
  • Diagnostic lab work
  • Speech and occupational therapy
  • Pharmacy and prescriptions

Please note that not all medical share programs offer all these features. Check with the program you choose for specific details about what services are eligible for sharing with the medical share program.

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Stop worrying about healthcare costs and exercise your freedom to choose your own healthcare. Contact US HealthShare today to discuss your family’s needs and find out how we can help!

US HealthShare programs