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 ?
By Consumer
MediShare is
MediShare is, without exaggeration, one of the most frustrating and misleading healthcare “sharing” programs I’ve ever dealt with. After months of faithfully paying into the program, they covered nothing. Not a partial share. Not a meaningful explanation. Just delay after delay, denial after denial, and a pile of stress I didn’t sign up for.
The most outrageous part? Their in-network requirements for emergency care. Yes—emergency care. I was literally told, “When I go on vacation, I do a lot of research and make sure I’m near a hospital in network.”
Read that again. If your healthcare plan requires you to pre-plan which hospital you might have a medical emergency near while on vacation, the system is fundamentally broken.
Emergencies are, by definition, unpredictable. No one having a heart attack, suffering a serious injury, or facing a sudden medical crisis should be expected to pull out a network map first. That expectation alone disqualifies MediShare from being taken seriously as a healthcare solution.
And the public feedback reflects this reality. MediShare sits at around a 1.4-star rating on Trustpilot, which aligns perfectly with my experience: denied shares, vague explanations, and a complete lack of accountability.
Now compare that with CrowdHealth, and the difference is night and day.
$500 MAXIMUM out-of-pocket for any emergency
No network requirements — go to any doctor or hospital
For non-emergency care, you simply agree to consult them so they can recommend doctors who charge fair, transparent prices
22 million enrolled
4.9-star rating on Trustpilot
That’s what a modern, competent, member-focused healthcare model looks like.
Frankly, MediShare should save their members the ongoing stress and disappointment, shut down, and refer people directly to CrowdHealth. CrowdHealth is run by people who understand healthcare, transparency, and accountability—without needing to hide behind prayer or market “Christian values” as a substitute for actually delivering a functional service.
Healthcare doesn’t need sermons.
It needs competence.
MediShare fails at that. CrowdHealth doesn’t.
By Wake A.
They never answer the phone
They never answer the phone. They rip off their members. I have paid well over my house hold limit and they are not honoring it.
By Trevor H.
Misleading Program
We joined MediShare about a year ago. Several months later, I went to my annual physical and had my doctor tell me the usual: lose some weight and keep using your baby statin drug to control cholesterol. The visit prompted a full medical review of my records by MediShare and I ultimately received a letter stating that I had numerous pre-existing conditions which MediShare was now notifying me that I would have no future sharing. All of these conditions were minor and properly disclosed in the original application' We were led to believe that nothing in my health history would be problematic for future sharing. It is now clear to us that MediShare actively looks for ways to deny sharing and therefore I suspect that any future major malady that I may encounter will likely be attributed to a "pre-existing" condition and thus denied. It was good to know their mentality sooner rather than after a future diagnosis, so I can quit the program. We are going back to a more traditional insurance program that can be relied on.
By TR
Poor way to run a business. This is a scam!
What can I say that has not already been said...? My husband is from Canada. He was waiting for his green card to be processed during the COVID shut-downs. He needed an affordable insurance. We listened to and believed the ad stating that they have higher customer satisfaction ratings than other insurance companies. What a load of bologna!!!
Upon being accepted, my husband went to one "wellness check-up" two years ago. That appointment IS STILL NOT PAID FOR. We did the job of the provider to access previous medical records and forward them to the medical billing department. Their excuse for not paying for this allowed service was: he might have had a previous condition from the past. Well, we got the medical records. Now what?
Nothing has changed. We keep getting the same bill every few months or weeks. Next we call the company to see why the bill hasn't been paid yet. Lame excuses and long wait times is all we get. Disgusting way to represent a Christ-like way of doing business.
By Christie A.
A Physician perspective
As a physician I am appalled at their "Christian" behavior. In fact, I am a 56 year old healthy man with only arthritis and reflux on 2 medicines who was denied coverage by Medi-share because I was considered "high risk." I hadn't even met my insurance deductible in the last 5 years! They only want to cover people with no medical problems and avoid any payouts just like any pagan insurance. Only it's worse because they claim to be Christian. Plus their network of providers is small unless you live in a metropolis.
By Doctor P.
Don’t fall for the radio advertisement.
Moved over under the guise that our insurance was gonna be so much cheaper. As it turned out, the premiums were cheaper, but, they don’t pay out on anything. Ended up going back to my old insurance company. Premiums are more expensive, but procedures are covered.
If you wanna pay somebody to pray for you, then this plan is for you. If you want coverage on your medical bills stay away.
By Dan H.
Stay Away from This Company
I cancelled my membership with Medishare. I paid them through autopay at my bank and was too slow in cancelling the payment. So they were paid $390 by mistake. When I called I spent a long time on the phone with someone who told me I would receive a refund but it would take 30 days. Then she told me if I didn't have the check in 30 days that means it was lost in the mail and they would send another check. Unbelievable. I didn't have a good feeling about this after she said that.
When they had not sent a check after 29 days, I called to check on the status of my refund. I spent over 45 minutes on the phone with someone who was trying to tell me they don't owe me money. Finally, he said that they did owe me money, and a check would be cut and should arrive in no more than 5 business days. They followed up with an email telling me they would send a check. Today is 7 days business days since we spoke, and since they sent the email saying they'd send a check, and still no check. I don't believe they ever planned on reimbursing me. They just tell me what they think I want to hear. And they call themselves a Christian company. Run, don't walk away from this company. Now I have to fight to get my money back. This so-called Christian company shouldn't be able to look in the mirror at themselves.
