medishare.com Reviews 53

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 ?

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.

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.

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.

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.

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.

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.

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.

I NEVER leave reviews but I want people to know that as a Christian, I expect a company claiming to be a group of Christians to act with integrity. I have paid nearly double my deductible and they denied my son's claims because they stated he had some other insurance that ended in 2014. They just now asked me for letters of termination for this one and one other his dad had. And they laughed and said, oh by the way, if it is over one year - which conveniently it was JUST denied.....will not be paid even if I get the letters. Absolutely unethical, unChristian. If I could leave a 0 I would. I was a member 10 years!!