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Medi-Share - Lindsey's Story

October 08, 2020 / Jennifer Bothel

tagged in: family

Here at Ryan & Rose, we discuss alllll topics. This is one of the things that makes Ryan & Rose different from other businesses, Lindsey’s full transparency with all aspects of her life. If you’ve been following Lindsey on Instagram for some time, you might remember that she was born with a tumor on her spine. Along with the tumor, Lindsey has a neurogenic bladder, nerve damage, cavus & claw feet, and claw toes. Through the years, enduring 25 surgeries to date, she has everyday medical needs. Catheterizing every 4 hours is a daily routine and requires the use of medical supplies. When it came time to find a new insurance solution, Lindsey looked into Medi-Share and realized this healthcare ministry was exactly what she was looking for. 

As a person with preexisting conditions, finding the best insurance was always a top priority. Out of college, Lindsey searched for a job which provided her with insurance security since her needs were vast. While she was teaching, she received insurance coverage. However, when she quit her job at White Station High School, she had to search for another option. At that time, she decided Cobra was her best solution and found herself spending $1,600/month for insurance; with an additional $200/month for catheterizing supplies. In the end, she realized she was paying the equivalent of a mortgage payment on insurance needs. When Cobra was up, she HAD to find a better provider. Determined to no longer let insurance determine her life decisions and dictate her future, Lindsey started researching other options and came across Medi-Share

Medi-Share is a Christian Ministry which provides health care needs for individuals and families. When Lindsey first found Medi-Share, she had A LOT of questions that needed to be answered. She wanted to know if they accepted individuals with pre-existing conditions, what the cost was, and ultimately how Medi-Share worked. 

What is Medi-Share? 

Medi-Share is a health care sharing ministry founded on the belief that there is a BETTER way… a Biblical way, to take care of your health care. A way that focuses on people, NOT profit. A way that inspires you to live a healthier lifestyle so you can fulfill the plan God has for you. We are passionate about saving you money so you can use those funds to support your family and further kingdom work.

How does Medi-Share work?

Each month, your monthly share is matched with another’s eligible medical bills. Through a secure online portal, Medi-Share publishes the bills eligible for sharing and coordinates the direct sharing of medical costs between members. You will know every month whose bills you are paying, and when you have eligible bills, your fellow believers will be sharing those and praying for you.

Does Medi-Share accept individuals with pre-existing conditions? 

YES! Medi-Share accepts individuals with pre-existing conditions and also has options for Seniors. 

...It is 3 years that the member faithfully shares until bills for preexisting conditions are eligible for sharing.

What about pregnancy?

Pregnant Members who have faithfully shared from the month of conception through the month of delivery are eligible for maternity sharing. Maternity sharing will be eligible at each program level if the member is participating as “married.” Members must indicate if they are married at the time they join or switch AHPs, regardless of whether or not they join as an individual or as a couple, in order for maternity to be eligible for sharing. 

Is Telehealth, Vision, and Dental included?

Medi-Share membership also gives you zero cost 24/7 access to telehealth providers and dental and vision discounts.

Telehealth has been a HUGE blessing during this season of life. Lindsey & Bret have been able to use it over 6 times for various needs over the past few months. Due to COVID-19, many offices are limiting in-person visits. 

What’s the other criteria for qualification? 

Membership is made up of Christ-followers who agree with the Statement of Faith. Additionally, members agree to live by the following Biblical standards

After learning about Medi-Share, Lindsey dove into the application process. For a family of 4, the Ferrell family is currently paying $600/month with an additional $120 for Lindsey’s tubes. That’s an additional $1,080 they can use towards other essentials every month. 

This entire experience has reminded Lindsey that she doesn’t have to live like the rest of the world. She was basing life-altering decisions on what was common, instead of looking outside the box for other options. She leans on the Lord for every aspect of her life, insurance needs were no different. Lindsey likes to think of medical insurance in the same way we think of other insurances; it’s there for emergencies. Although she might not “use” what she’s paying into their plan each month, she sees their contribution pay for other families and their medical needs. They’re able to see exactly where their money is going, and can add these individuals to their prayers. 

Lindsey and Bret have been using Medi-Share since 2018. Her most recent surgery, to remove a golf-ball sized bladder stone, she expected to pay out-of-pocket. But she didn’t have to, because Medi-Share shared her cost. Lindsey loves Medi-Share because she seems exactly where her money is going every month. They have access to a platform which outlines what needs are being met, and what individuals need prayers. This system reminds her of the early church, where help and prayers were abundant. Medi-Share has been such a blessing for their family, and we hope that by sharing Lindsey’s story it might help others find a better insurance option for their family! 

To learn more, visit Medi-Share. If you have any questions, feel free to reach out to a member from their team. Be sure to follow Medi-Share on social media for additional information! 

"We thought we would only be on medishare for a short time before we found a new “insurance”. We have been so overly pleased with medishare that we don’t plan on going anywhere for the time being." -Lindsey
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