Complaints

This profile includes complaints for Christian Care Ministry, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Christian Care Ministry, Inc.

  4150 W Eau Gallie Blvd Melbourne, FL 32934-7202

• 

  Christian Care Ministry, Inc.

  PO Box 674 Sterling, IL 61081-0674

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I enrolled with MediShare, ****** explained the distance penalty waiver process due to the lack of in network providers within 25 miles of where I lived. I was told the ***** would reflect that I was responsible for all over the usual and customary charges initially, but that I was to call and request to file distance penalty waivers for out-of-network providers due to my location. She explained this was a normal process that occurred often and should not be a problem after she looked up providers in my area. After submitting bills for a 6/16/23 surgery, I requested this waiver. Despite repeated calls/emails and providing updated bills as requested by Medishare, only one distance penalty waiver was processed and paid. Two other bills for the SAME surgery, on the SAME date, at the SAME facility remain unpaid and show that I am still responsible for the over the usual and customary charges: BILL #*********** (ref #*******, $3892.60) and BILL #*********** (ref #*******, $2530.50), totaling $6,422.00. I've faced months of delays, despite following their process and patiently inquiring month after month. My last request was made via email in 1/2025. The response was that one bill/waiver was still "processing" while the other had been processed correctly without payment. Why was one waiver approved, but not the other two for the SAME service/providers on the SAME date at the SAME facility? I seek resolution and payment of the total charges of $6,422.00. I am requesting that Medishare make this right by honoring their word and policies as explained to me upon enrollment. I followed all procedures and protocols promptly as instructed and still have not received any resolution on this matter.

  Business Response

  Date: 04/04/2025

  Medi-Share regrets the difficulty experienced in getting your Penalty Waivers processed. The requested Penalty Waivers have been processed and we appreciate your patience as we worked to complete your bill processing. Please reach out to the individual assigned to your case with any questions or comments. Thank you very much. 

• Initial Complaint

  Date:03/24/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Unfortunately in the fall of 24 I required hospitalization and emergency surgery to remove a ruptured appendix. After my being released by the hospital I suffered a further complication with an infection both in my abdomen and in the wound from the surgery returning me to the hospital. Being in a small community with limited medical services this necessitated moving me to a larger hospital 120 miles from home. While there I received excellent care from different doctors and specialists, including interventional radiology and infectious disease doctors. Thankfully the doctors were able to curb my infection and get me out of the hospital in 4 or 5 days. At this point I was able to leave the hospital and go home, but had to continue treatment from my infectious disease doctor with IV antibiotics daily for a couple weeks, and a follow up CT scan with my interventional radiologist to make sure the abscess had abated so they could remove my pic line and drain line. Here's where the problem comes in, Medi-Share seems to think that once out of the hospital, I should have abandoned my treating physicians who literally saved my life, and found an "in network" provider for these follow up treatments. This makes little or no sense to any sound thinking person, but they are absolutely unwilling to budge even though there is no doctor in network within a 100+ miles of my home that specializes in either of these two fields. As well I have filed all possible penalty waivers and had multiple conversations with Medi-Share regarding this and they refuse to help. Absolutely nothing about this makes sense, is ethically acceptable, let alone Christian. They say they're "not insurance" but they certainly operate like any health insurance provider I have ever dealt with. I am seeking that Medi-Share pay the balance bill owed to both of the providers and honor their commitment.

  Business Response

  Date: 04/03/2025

  Medi-Share regrets any difficulty you may have encountered in having your bills processed. Medical bills are always processed based on Medi-Shares member-voted guidelines and, after reconsideration, your bills have been shared. If you have any questions or comments, please contact the individual assigned to your case.Thank you for the opportunity to assist in resolving your concerns.
  
  

  Customer Answer

  Date: 04/03/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:03/02/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We have been members of medishare for just shy of 3 years my wifes knee gave out on her so we went to a orthopedic doctor and after exrays and examinations he said her knees needed to be replaced after countless calls to medishare they finally said we were all set had the surgery last Monday Saturday received a letter saying they were not going to share the expense of the surgery because it was a preexisting condition and that she had steroid injections in her knee none of which is even remotely true never had knee issues before and never injected

  Business Response

  Date: 03/12/2025

  Thank you for reaching out. To protect your privacy, Medi-Share will not specifically address conditions on public forums. However, its important to note that if a member disagrees with a bill sharing decision, the Medi-Share member-voted guidelines allow members, under certain conditions, to appeal. Please see section XII of the guidelines on Medi-Shares website, ***************************************** for more information. If you wish to appeal a bill sharing decision, either the patient or a *****-authorized representative can initiate the appeal. Please reach out to the representative assigned to your case with any questions or comments. 

• Initial Complaint

  Date:02/13/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, I contacted medishare when my husband lost health insurance coverage for himself and our daughter. Medishare was applied for and coverage started Sept 1, 2024. I have made payments online each month (Sept-Dec) totaling $1050 until my husband and daughter obtained health insurance coverage elsewhere. I called the same representative (**** ********) that signed them up to let him know I needed to cancel in December. After several attempts to contact him with no answer, I left a voicemail stating that i needed to cancel and be billed no longer. He never once called back, but instead I found out he retired my name off the account so I could no longer discuss the account with any other representative. I (*******) am the one who started this account for my husband and daughter. When I open the app, it says "Welcome, *******" at the top. But I cannot cancel? My husband (*****) has now emailed them requesting cancelation and bill adjustment. It now says balance due is $********* family hasn't used a single ***** of this so called coverage and just want to cancel and have no balance due. They claim to be a Christian based ministry but lie and deceive to continue getting as much money as they can out of you. Please cancel this account and remove the balance due as you had been notified before any account balance had accrued.

  Customer Answer

  Date: 02/17/2025

  Medishare has decided to resolve this problem.  They have canceled and removed all charges as of today. Email sent to me confirming cancelation was 01/01/2025. No further dispute. 

  Business Response

  Date: 02/19/2025

  Medi-Share apologizes for any difficulties you encountered in cancelling your familys membership. We thank you for bringing this matter to our attention. The membership has been canceled with no amount due. If you have any future questions or comments, please contact *************** at ************. Thank you very much.

  Customer Answer

  Date: 02/19/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:02/12/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My family and I had Christian Care Ministries operating as Medi-share for 7-8 years paying thousands to them over this period for coverage. We are healthy so they never shared in any of our health needs. Due to a change in employment we had an option to obtain traditional insurance for a similar price and quit sharing on 01/01/2025. Medi-share had required us to open an account through ********************************************* ************ (ACCU) where your monthly auto draft goes, Medi-share then withdraws the exact same amount "For the need" of another member. So for us they would auto draft ****** each month from our normal bank account placing it into the **** account, and would then draft the exact same amount from the **** account days later "For The Need" of another member, generally leaving the balance in the **** account at $0 every month. At some point over the last 7-8 years I accidentally made two double payments not remembering I had signed up for auto draft early on. I didn't think this was an issue since it was going into my account at **** which has my name on it and sends me a statement every month. So for years now my **** account has shown a balance of around $1,120.82 after the monthly share amount has been withdrawn. However after I quit Medi-share I contact **** to get access to the remaining funds in my bank account. They indicate I cannot access them due to Medi-share having power of attorney over the account (doesn't that seem strange) and that Medi-share would have to send me the funds and close the account. So I contact ********************** and request the funds and closing of the **** account. They refuse telling me company guidelines indicate any **** money is for sharing, however I STOPPED sharing on 01/01/2025. Meanwhile **** continues to send me statements indicating MY account still has MY $1,120.82 in it. Please return my money or provide me access to my bank account where the money is.

  Business Response

  Date: 02/19/2025

  Medi-Share thanks you for your time as a member and we are happy to have been of service to you. Your concerns have been escalated and resolved. If you have any questions or comments, please reach out to us. Thank you very much. 

• Initial Complaint

  Date:01/17/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've been a member for almost 6+ years and in 2024 I shared some medical bills for the first time. They completely screwed it up. They did something wrong with the hospital and now the hospital is trying to charge me twice. Since we were still under our AHP Medishare took no responsibility and the hospital sent us to collections. So that's one mess I've got to clean up.On top of that Medishare kept asking me to manually submit procedure codes. I'm not a doctor, I had no clue what they were talking about. So I did my research, spent hours on the phone (most of it on hold), and sent them every procedure code in the exact format that they asked for. They never even responded to my email. I'm still waiting for this to be resolved. My AHP reset before they resolved it so I didn't even have a chance to use my benefits. And of course, they raised our monthly share amount. The final nail in the coffin was when I decided to leave. They kept me on the phone for an hour trying to convince me not to leave. This was in Dec. I finally convinced them to let me go and after warning me that I would regret the decision, they canceled my account and said I would not be charged again...they charged me again. I spent a couple more hours on the phone with them and they said they'd send me a check. When no check arrived I spent a couple more hours on the phone and still...nothing.

  Business Response

  Date: 01/22/2025

  Business

  Most Recent Message

  Date Sent: 1/17/2025 4:11:19 PM
  Unfortunately, we cannot identify this member. They have not provided a last name or address, and neither the telephone number nor email address that they provided can be found in our system.  Would you ask this member to provide their telephone number or email address that Medi-Share has on record, their last name, or their Medi-Share Household ID Number so we can locate their record and investigate their concerns? Thanks very much. 

• Initial Complaint

  Date:01/16/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been sent to collections because of a bill that is supposed to be shared through medishare. We met the annual household portion, and the provider is in network.The date of service is January *****, 2024.The bill is in regards to **** ******* *******, and ******** ******* is the guarantor.The provider, *********, said they were unable to send the bill to Medi-Share because they stated the account was inactive.I sent the bill for sharing in August. After 60 days, the bill was still processing. Then, I emailed the bill over again. I spoke with a representative and she said sometimes, a bill can take up to 90 days for processing. On November 20th, I called the provider because I have been sent to collections. The provider said that they could not send any bills to Medi-Share.Then I called Medi-Share and spoke with ********. She was the most helpful person that I was ever able to get ahold of at Medi-Share.********* said they would send a bill to Medi-Share, which still has not been received. ******** advised that I ask the provider to send the bill again. Since I have now been sent to a debt collector, ********* is no longer able to send information about this ******* has been well over 90 days for processing for this bill. In speaking with the supervisor at *********, she made it clear that there are no other billing codes in regards to the bill that I was sent.The only available codes are what is on the bill. The diagnosis code is provided, and there is no revenue code.The charges are $760.00, $655.00, and $326.I do not understand why the bills would be under review for 5 months.

  Business Response

  Date: 01/27/2025

  Medi-Share appreciates your patience as we work with the provider to get the needed information to process your bills.  When providers submit medical charges on standardized medical industry billing forms, charges are processed much quicker than without these forms. Medi-Share now has your bills in line for processing and will update you when the bill processing is completed. In the meantime, please reach out to the individual assigned to your case with any questions. Thanks very much. 
  

• Initial Complaint

  Date:12/17/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We have had extensive issues with medishare. They refuse to reimburse us for medical bills that are covered under their guidelines. They have refused to pay for a hospital visit that totaled over $6,000. I have been sent to collections over this. Medishare continually claims we did not submit the correct paperwork despite having the hospital on the phone confirming the correct paperwork. Every time we call we get another person telling us to continue to wait for processing though its been almost 6 months. Additionally, they will not pay for my physical therapy bill despite it clearly stating in the guidelines that it is covered. This health share has completely ruined our lives and caused us incredible stress.

  Business Response

  Date: 12/23/2024

  Medi-Share regrets the amount of time it has taken to process your medical bills. When medical charges are not submitted on industry-standardized billing forms,processing can take longer than usual as it becomes a manual process instead of an automated one.  Your bills are now in line for processing and should be completed soon.  Please reach out to the individual assigned to your case for more information.  Thank you very much.  

  Customer Answer

  Date: 12/23/2024

   
  Complaint: 22701257
  
  I am rejecting this response because though they have finally processed the bills, we have not received any of the over $6,000 in payments. Once they have paid these medical bills, I will be satisfied.
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 12/31/2024

  Medi-Share appreciates your patience as we work to complete the processing of your bills and the sharing of any amounts due. As soon as your bills are completed,updated information will be available in your ************** The individual assigned to your case can directly answer any questions you have.  Thank you very much. 
  

  Customer Answer

  Date: 01/02/2025

   
  Complaint: 22701257
  
  I am rejecting this response because Medi-Share has failed to pay the bills that we acquired. They have began processing them but there has been little communication of if those bills will be paid. I have still had to make payments to ****** Health because of my outstanding balance during this time. In addition, I have not got a reimbursement for around$400 of other medical bills that should be paid under their requirements. Lastly, they did not cancel my plan when I asked them to multiple times on the phone and claimed I still had coverage when I did not. They are now sending this issue to yet another person so now I am sure I will wait another 6-9 months to get that resolved. This continues to be a nightmare situation. 
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 01/10/2025

  Your bills have been processed, and the checks due you have been released. A request to have your membership withdrawal backdated has been submitted and is pending completion.Please contact the manager assigned to your case if you have any questions or comments. Thank you very much.
  

  Customer Answer

  Date: 01/14/2025

   
  Complaint: 22701257
  
  I am rejecting this response because though I have received reimbursement for my physical therapy I am still waiting for my other hospital bill to be paid. It has been 9 days so Im hopeful its still coming but Im unsure if they are paying the hospital directly or me. I will not accept their response until the bills are paid. 
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:12/06/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We have paid our monthly share/ premium for the last 12 months and have not used one *****. We havent filed a single claim. Our monthly price increased last month. My husband lost his job in September and so my family has qualified for other insurance since we cant afford private insurance now. I called two weeks before the end of the month to say we wanted to cancel the plan effective immediately. This was almost two weeks before the end of November. When I called I was argued with for 10 min as to why I needed to leave one person on the plan, I kept saying I have other insurance now and need to cancel. The lady was adamant I was making a mistake. FINALLY I said just cancel the plan! She then told me even though I didnt need it and wanted to cancel Id have to pay for December also. She proceeded to tell me the payment drafts at the beginning of each month but couldnt tell me why I was going to be charged for December then except that was their policy. I said we cant afford it my husband lost his job thats why Im canceling! She said yeah sorry. I canceled auto drafts that same day. They assured me auto drafts were canceled effective immediately. Now fast forward to December 6 and they auto drafted $234 out of my account. Very ********************** of them right? ******** is more like it. Medishare is a joke and not a Christian company at all.

  Business Response

  Date: 12/18/2024

  Medi-Share appreciates your time as a member and regrets and difficulty encountered during the withdrawal process.  After reviewing your concerns, your withdrawal date has been updated to December 1 and your monthly share for December will be refunded.  Please reach out to the individual assigned to your case with any questions or comments. Thank you very much.

  Customer Answer

  Date: 12/26/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:10/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been a member of Medishare for years now and since June of this year I have been locked out of my account. I can't even look at it to pay my monthly share online until I enable a camera to send them a photo id. This seems like they are discriminating against me for not having a camera on my computer.I mailed them a physical copy of id and they acknowledged receiving it! BUT, they still refuse to allow me access to my account until I upload it via a camera.They keep sending me emails, telling me 'thank you for updating your information, but we need you to submit photo id via online'.They refuse to work with me on this and through many conversations with different individuals there I have gotten nowhere (all of whom say they will call back with answers and never do). They just tell me to go to a friend or family member and upload it from their device's camera. I have been forced to pay my monthly share through mailing it to them, since I can't get on my online account anymore and they don't accept over the phone payments. I am not happy with this lack of assistance and being shut out of My account with them. All they are doing is painting a bad image of the whole organization.I don't know what else to do to get help with this issue so I have turned here. I do not believe it is ethical for them to require me to have a camera to submit something they already have. They don't have a local facility to get this handled, so reporting this here is my last hope.I'm beyond frustrated. This isn't how Christians should treat one another.

  Business Response

  Date: 10/31/2024

  Medi-Share apologizes for any difficulties you encountered in updating your member information.  This process is a regulatory requirement that must be met to continue providing secure and reliable medical sharing to all of our members. Thank you for providing the necessary documentation which has been forwarded appropriately for processing.  Medi-Share will follow up with you regarding the documentation process if necessary.  In the meantime, if you have any questions, please reach out to the Medi-Share representative assigned to your case.  Thank you.