medishare.com レビュー 

Run. They are incredibly kind UNTIL you are a customer. Then expect nothing but super impatient help over the phone, red tape that makes no sense. It's near impossible to find providers that are considered in network. And on top of it you won't get any sort of self pay discount, no matter what they tell you. Essentia Health told me today that Medi Share provides a card, so you'll never be considered self pay. Aka we would have SAVED money by having nothing at all then using them for the past several months. Don't even consider it.

We've had Medishare for multiple years and never had to use it until the birth of our 3rd child. I do not recommend them at all after our experience. They are not customer centric or focused. It is a big money machine and they will treat you like a number. Calling in is useless, their communications are not clear, they constantly change terms and pricing. I think it started with good intentions and is run by money and profit now. Avoid at all costs.

I was with them for years and after my husband losing his job, they had no options for me for a program or any assistance to hold onto my insurance for 30 days. They also told me that if I reapply that I can't submit any bills to them for 90 days. This is NOT a ministry! This is big gov taking their money and not helping their members !!! DO NOT JOIN!

This is my final review. After paying money for 2.5 years into a medical sharing organization, I can say avoid at all costs. My costs for melanoma surgery and biopsies totaled well over 37k just in n the last 3 months of paying into this scheme. I easily met my deduction amount. I gave them one more chance to investigate my claim. lol. They will find reasons out of your control to not pay one cent. Run and let them pray over their own souls. They need it. Phony organization.

Being apart of Medi-Share was a constant headache. At a glance their website deceives you into thinking that there are plenty of providers in the area that take medi-share. When this is in fact not the case. Their customer service was atrocious, their website was constantly billing me even though I had already paid my share. The whole thing felt like a big scam honestly, and I wasted way too much money on medi-share and received no health help whatsoever. Do yourself a favor and don't waste your time with medishare.

This is our experience and it is not yet resolved. I hope others have had a better experience. My wife had an emergency surgery on June 2nd and we are still struggling with communication and follow through. We submit immediately when they ask for additional information/documentation but if it submitted horizontal instead of vertically, it is rejected. No notification. Nothing is known about this unless we follow up. Several times they have promised to get back with us, but have yet to follow through. They showed "contracted discount" amounts that they "negotiated" with the provider, but this turned out to be totally false, according to the providers themselves. In the mean time as we are doing our best to get help, our providers are threatening collections. We expected so much more integrity from a Christian organization. About the only Christian value we have experienced, is that they pray for us. We liked this at first, but now seems like a way to pacify us. Their marketing is not honest. They know they are marketing to people looking to find alternatives to traditional health care. When you see $50 Dr visit copay or $500 ER visit or $9000 out of pocket, that is what you expect. The reality is, they don't do the $50 copay or $500 ER until after the $9000 has been satisfied (this is what they told us on the phone). Thus far, of the $46k we owe, our providers say we owe $27k - not $9k. We will report back with better news if it comes.

I am extremely disappointed with my experience with Medi-share. they denied coverage for my hip replacement surgery by labeling it as a pre-existing condition.
for nearly seven years, i saw my orthopedic dr to monitor my hip. During that time, we were simply keeping an eye on it. It wasn't unit recently that my condition progressed to bone-on-bone arthritis, causing severe pain and making everyday activities difficult. at this point, surgery became medically necessary.
Instead of recognizing that my condition had significantly worsened, Medi-share denied my claim because I had been seeing the same dr for years. This is called monitoring a condition.
The experience has been frustrating and stressful.
I encourage anyone considering Medi-Share to carefully understand how they define pre-existing conditions and how that my effect coverage for future medical needs.

How does a faith-based organization who's foundation is loving and caring for others, have a large set of pre-existing conditions?

I accept the lifestyle principles at face value. Completely consistent and no difference from USAA initially starting with Commissioned Officers whose lifestyle tends to be less risky.

Got that.

I can even leap to the conclusion that one's behavior is potentially a reason for disqualification from a medical condition.

Like overeating for years at Church Picnics with the fatty foods and then getting high cholesterol and having to take medications. My consequence for my chosen behavior, so, my sin, my cost.

Got it again. Kind of.

But thyroid disease, no behavioral health, let alone any hint of a condition is a pre-condition, and you have a health plan that is so failed, its founders should be ashamed of its closet discrimination that isn't so 'closet'.

So, diseases brought on by pollution, like living in a town full of chemical factories.

Being subjected to trauma, without request, leaving one mentally broken. "No bueno" says the Christian organization.

Foot those sinful bills yourself.

Disgust at the hypocracy results.

It's difficult. I did my job, worked hard, lived my life along the same principles of this organization and found myself having to care for someone 62, causing me to quit my job and live off my life savings to get to 65.

There is no insurance that helps. None. Medishare COULD have.... but, given could have never been sick and have a condition and qualify for insurance that might actually help, instead of further draining what little is left.... we get this feckless organization.

Like all the others.

After using them and not sending in any claims my daughter tore her ACL. She ended up needed several surgeries over 3 years. They kept changing their policies making it a nightmare to get anything reimbursed. After my deductible was met $10,500 they were to reimburse everything. They paid maybe 50% of the bills over the deductible.

Medishare is HORRIBLE. Never use it!

I had to visit the ER in October 2024, and it required multiple post visits due to an infection. However, I also got several very LARGE bills totaling over $30,000, even though I was told by Medishare reps that my maximum liability would be $12,000/year.
Also, for several services, initially, Medishare made a payment in December 2024 for some of the services. In one example $349.45. However, in June 2025, I started getting multiple statements in the mail from providers indicating a Balance Due. The details, stated, "Refund or takeback from Ins for -$349.45."

I did cancel my service in April 2025, AFTER signing up for a difference health insurance plan with a different company, but Medishare SHOULD have honored the payments they made for services during the dates I had an active plan with them; I have no idea how what they did with a takeback is ethical.

I think some of the employees who answer the phones may be good Christians and pray with you, but whoever is leading it is CORRUPT and UNETHICAL and GREEDY. I have not paid multiple medical bills because I believe Medishare violated their agreements with me. I will likely need to spend hours of the time I have left on this earth to fight with this horrible company for my rights; it's an uphill battle and time commitment I am not looking forward to.

Can I give them a zero? Unhelpful. Christian is not a proper adjective for medishare. They take advantage of Christianity to enrich themselves. Some of the most basic coverages are being revoked or reduced while share costs skyrocket. Avoid medishare

My wife and I had medishare when our first child was born. There were some complications and our daughter was placed in the NICU for a week. My wife also had to stay a few extra days in the hospital. Medishare was amazing! We had met our annual portion (deductible) prior to the baby being born, so we didn't pay a dime for the week our daughter was in the intensive care unit. The total bill was well over 100k. Medishare discounts brought the total bill to 77k and then they paid the rest. Medishare also took care of every cent of the follow-up visits for my wife and newborn. They were fast and effective.

Medi-share brings negative value to healthcare. Providers act like they don’t know what Medi-share is, forcing customers to pay cash and submit bills to Medi-share manually, which leads to a sixty day review. Medi-share then demonstrates skill at rejecting claims as preexisting conditions. And even if you are diagnosed with something they’ll help pay, prescriptions are only paid out six months post diagnosis. My wife contracted a chronic illness a couple of months after we joined and it was a nightmare. Some providers would not work with us at all as her health problems increased. One provider would only work with us after we fired Medi-share. They will pray with you, but the only real service we got was from the patient advocate nurse who advised us to drop Medi-share and join Obamacare. We paid about $3500 for zero value received and negative impact on our health. I wouldn’t recommend Medi-share to my worst enemy. Stay far away from Medi-share.

I just had to write this after hearing their unctuous ads on the radio. Don't fall for that ad of theirs.
They don't cover much. They don't pay much. They drag their feet. All of healthcare providers have quit accepting them. They told us to get new ones, who were only ones that took medicare patients. We were essentially lowered to the level of medicare patients and treated as such.
They didn't cover much of my wife's procedure even after pre-approval. We had attorneys and bill collector after us.
To their credit, they finally got involved and negotiated a settlement for us. But how humiliating to be treated like deadbeats everywhere we went. Plus, the hospital where the procedure was done refused anything but cash upfront from us after that.
All while thumping their bibles at you. They make me sick.

Here's a copy of my cancellation notice.
This is my letter of notification for cancellation of services associated with We Share and Healthcare by UHSM.
Reasons for cancellation
- Onboarding date urgency - Onboarding meeting is MANDATORY. If the onboarding is mandatory, the urgency to execute the meeting is lacking attention. My meeting is scheduled for February 26th.
- Expedient bank withdrawal - The funds were almost immediately withdrawn from my account. I did expect the withdrawal. But, when called to get clarification no one was available to take the call.
Poor customer service - During the process of seeking simple answers in order to line up my financial calendar, I was put on hold for over 30 minutes on 2 separate occasions. I took advantage of the offer to press "1" to receive a call back. The call came an hour and twenty-five minutes later as a spam call and I missed the call. No other attempt from We Share was made to contact me. I reached out and again was placed on hold for almost 30 minutes for the second time. I called back and the person placed me on hold after I asked/begged not to be put on hold. After a few minutes, I hung up and have not received a call back.
Further Damage Prevention - It is stated in the documents that I can cancel anytime. Therefore, I do not authorize any payments to be withdrawn from my bank account because of my cancellation. If this is the type of customer service from the beginning, I'm selecting to end the partnership to avoid any problems if would have ever needed the service.
Misleading and Perception of Being and Unethical Company - I regret that I did not look at the reviews for We Share Healthcare by UHSM. They are very poor with similar stories as my experience. All this gives a feeling of being misled (christian values) and a perception of being unethical. People who are in need seek companies like yours because of the trust value. Clearly, that doesn't matter because my trust and the trust of others is shattered. 
Regrettably disturbed,Leland L.

Haven't used the health part of it but here is my take on the sign up process. Was told there was $149 sign up fee only to see the next day there was not only the $149 on my credit card but an additional $918.00. Tried calling 3 times to cancel or explain. Our initial contact didn't call us back, the second contact put me on hold (waited 40 mins and nobody answered) and the 3rd person said someone would call me back within 2 hours and nobody did. Tried calling today and have been on hold for 30 mins and gave up. Take it for what it is worth - we won't be using them but maybe it will work for you. Good Luck

This company operates like a scam. I have been paying for their services for over a year, and instead of helping, they have caused nothing but stress and frustration. They have failed to assist with my bills and actually delayed the process on several of them, which has now resulted in accounts going to collections.

The mobile app rarely works, the website is difficult to navigate, and it typically takes three to four phone calls just to reach a representative. When I do reach someone, they speak in circles and are often rude and unhelpful.

After a year of paying for no real service, I will not be giving this company another cent. I would strongly warn anyone considering this company to stay far away.

They are clueless about health.

They insisted I eat almost no meat, high carb, low fat, low protein diet or they would raise my monthly rates. They are giving horrible nutrition information based on flawed 1950's data that will shorten your life. Their "nutritionists" are complete frauds, someone please show them current science. I cancelled soon as I was able to get other coverage.

Overpromised and underdelivered... They claim to be a Christian company with rave reviews. They do a detailed study of your medical information you provide and because they do not cover preexisting conditions they seem to try and connect any new condition or ailment to your preexisting condition and they deny your claim. I believe they grossly misrepresent their coverage and I know for sure they misrepresent their customer satisfaction rate. We spent a lot of money on their premium and then they tacked on a life coach fee to their supposed low rates which went up substantially after the first year. They told me that their life coach fee would drop off after a few months but it never did as I paid an extra 99.00 plus each and every month. Don't waste your money. I was with Medishare from June 2023 to December 2025.

Awful. Had them for 5 or 6 years never paid a dime . Only used them one time on heart stints . Bill was 68k . Not one cent was paid . Ended up settling with the hospital as a cash pay customer . It was always the run around . We need this you send it and then they would need something else . Don’t fall for the Christian talk . The people working for them maybe IDK . But company wise Christian would be the last way to describe them . They’re just using that to draw people in . I’m sure they are paying in some cases but do you want to take the chance on not being one they do ?