ComplaintsforChristian Care Ministry, Inc.

• Initial Complaint

  07/05/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have been trying to get reimbursement from Medishare for an emergency room visit in August 2023. I have paid to Carilion $9,156.06. My deductible is $4250.00. I have gotten Medishare to approve $1,122.01. After numerous calls and emails have transpired I cannot get additional charges approved. ******** cannot bill Medishare because they are not considered insurance. Forms from Medishare's website have been filled out and emailed documenting charges. Today my case advocate again asked for bills without performance measurement codes but service codes. I asked specifically which ones were incorrect and was told she could not tell me. They will not pay anything after a year on this one visit and the year is up on August 23, 2024. I need help. Carilion has reviewed codes and have removed the * codes which amounted to 4 cents. The code was used 4 times. They have received all medical records from that date as requested as well as what ******** is able to provide as far as itemized bills and it is never enough. I would appreciate any assistance.

  Business response

  07/16/2024

  Medi-Share regrets the inconvenience this billing issue has caused. As we discussed, we are continuing to work on your behalf to obtain the correct information from your provider. In order to be the best stewards of Medi-Share members resources, providers are required to submit standardized medical billing forms with proper coding to ensure that members are sharing in procedures or treatments that follow the member-voted guidelines. Please reach out to the individual assigned to your case for more information. Thank you very much.                       
  

  Customer response

  07/18/2024

   
  Complaint: 21946330
  
  I am rejecting this response because:
  They have never reached out to the provider.
  Sincerely,
  
  ***********************

  Business response

  07/23/2024

  Medi-Share appreciates your patience as we worked to collect the required information to process your bill.  The bill has since been reprocessed and payment was issued to you by regular mail on July 19.  Please reach out to the Medi-Share representative assigned to your case with any questions.  Thank you for being a valued Medi-Share member since 2019.    

  Customer response

  08/01/2024

   
  Complaint: 21946330
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

• Initial Complaint

  06/20/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We had a terrible experience with my wife's pregnancy and bills associated with it all. We were given misleading information regarding in-network doctor and hospital. We got the proper forms from the doctor and gave it to Medishare that they are "in-network". We were told by Medishare not to worry and everything will be covered. To relax and trust them. Well, now that we've paid thousands of dollars, we are told there is nothing they can do to cover over $20k worth of bills because of out of network doctor. Their website even now shows the doctor in network. We were also told not to worry about our baby, that all his hospital bills would be covered under mom's plan and then we have a choice to put him on mother's plan or a different plan. Due to the terrible way we were treated by Medishare, we chose his own health plan and now his bills cannot be shared. We were lied to, mislead, and cheated. We were not treated fairly at all. We expect all bills to be shared as promised multiple times on the phone prior to and during the pregnancy.

  Business response

  07/02/2024

  Mr. ****** thank you for the opportunity to address your concerns and respond. As was discussed with our representative, medical bills are processed in accordance with Medi-Shares published, member-voted guidelines which are available online at www.mychristiancare.org. Regardless of network status, medical bills must be submitted using the medical industry standardized billing forms and must be received by Medi-Share within one-year from the date of service to be considered for sharing.  When bills are received within timely filing, but without the standardized medical billing forms as in your case, bill processing can take much longer as it becomes a manual process. Please reach out to the individual assigned to your case with any questions or comments as your bills continue to process per the guidelines.  Thank you very much.

• Initial Complaint

  05/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Please See Attachment

  Business response

  05/28/2024

  Medi-Share apologizes for any confusion surrounding the processing of your medical bill.  As Medi-Share has advised you by phone, the bill in question has been processed with payment shared.  Thank you for your patience. Please reach out to the representative assigned to your case with any questions or comments. 
  

• Initial Complaint

  05/21/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  After much research I opted to have my daughter be a member of Medishare. I did all the work before hand and did exactly what they said in order to get her on Medishare from the date of birth. As well as picked an in network pediatrician. (All of this is provable on a recorded line). They now refuse to cover any medical bills from birth because they claim she wasnt insured, even though I did exactly what they said to insure her. They told me you have ****************************************************************************************************** order to be insured. I did just that and Medishare told my hospital that I was insured. When the bills came Medishare refused to cover anything claiming she wasnt insured on the date of her birth. Medishare advised me to get a self pay rate from the hospital, when I tired to do that the hospital was unable to help because Medishare told them that my daughter was in fact insured. Now I am stuck with these huge bills that nobody is helping us pay. After paying $143 a month to Medishare. As far as the pediatrician bills, they now say her doctor is not in network and will not cover any of those either. This company is an absolute scam.

  Business response

  05/31/2024

  Medi-Share regrets any misunderstandings regarding your childs membership.  As per section VII,D, of Medi-Shares member-voted guidelines, a parent must be an active Medi-Share member at the time of delivery for the child to be added to membership within 30 days of birth.  In that instance, the child will be a member as of their date of birth.  Medi-Share is unable to refund your monthly shares as Medi-Share is a health care sharing ministry and your past monthly shares were earmarked to share in other members eligible medical bills. Please reach out to Medi-Share member services at ************ with any questions or comments.  Thank you. 
  

  Customer response

  05/31/2024

   
  Complaint: 21740283
  
  I am rejecting this response because:

  I was told something completely different on the phone on a recorded line by two different people on two separate occasions.  I was clearly told on the phone before making my daughter a member that I would have 10 days after her birth to get her on Medishare and everything from her birth would be covered.  I was then told by someone else after she was already a member and already accumulated some bills that I actually had 30 days from her birth date to sign her up and everything from her birth would be covered.  I was told by Medishare that these phone calls were looked into and I am wrong. I am 100% certain I am not wrong.  I would like these phone calls to be handed over to the BBB to decide.  I know for a fact if that is done the truth will be revealed and their lies will be revealed.  As far as the pediatrician bills, I was told over the phone they would not be covered because they werent in network even though they had previously told me that they would be negotiated and if I meet my deductible covered because the doctors office is in network.  Conveniently, today I got a message that a very small portion was covered.  It seems to me that they want to cover their tracks as to not get in trouble with the BBB. 

  
  Sincerely,
  
  *********************

  Business response

  06/12/2024

  Thank you ****** for the opportunity to respond.  Medi-Share management has reviewed the phone calls in question and the calls did provide the information as previously stated and according to Medi-Shares guidelines.  A parent must be an active Medi-Share member at the time of delivery for a child to be added to membership within 30 days of birth.  In that instance, the child will be a member as of their date of birth.  You can review section VII, D, of Medi-Shares member-voted guidelines available through this link ****************************************************************************************************************************************************************** on Medi-Shares website, www.mychristiancare.org,for more information.  Thank you very much.      
  

  Customer response

  06/20/2024

   
  Complaint: 21740283
  
  I am rejecting this response because:
  
  First of all, that is NOT was was told to me by multiple representatives on the phone.  I want these recordings to be handed over the the BBB so it can be proven I am not in the wrong.  But even if medishare is telling the truth (which they are not) it makes no sense.  Then logically that would mean it is impossible to insure a child from birth without the parents being on as well.  Logically, medishare is saying they wont cover anything or insure the child until they are on medishare, but told me that they cannot insure anyone without a birthday. You see the dilemma here? Its utterly ridiculous.  I was scammed.  I want the recordings heard by someone other than Medishare.  
  Sincerely,
  
  *********************

• Initial Complaint

  05/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I had surgery 12.25.23 to repair a Tibial Plateau Fracture, torn meniscus, and broken fibula. I sustained the knee injury the prior day, 12.24.23, skiing at *******************. The medical provider, Centura Health has been waiting for months to receive payment from Medi-Share. I have been a member of Medi-Share since Jan. 2023 and have never failed to pay my dues/premiums. I have contacted Medi-Share 6 times over the last two months trying to get clarity and resolution to this claim. Each time I am provided no information and assured someone would be reaching out to me within a day or two with a full update. Still nearly 5 months later I have no new information and Medi-Share never follows up with me as they assure me they will. I am always left to reach out to them again and the same stonewalling loop begins again. Medi-Share has blown through all of their stated timelines for providing updates and resolution. I believe they are dragging this out to eventually deny payment for a legitimate claim.

  Business response

  05/24/2024

  Thank you for the opportunity to address your concerns.  Medi-Share regrets any frustration you may have experienced in the processing of your bill, which did take some time as it was processed following our standard negotiation process for high dollar medical bills.  As your representative informed you by phone, the check is in process and will be sent to your provider in the near future.  Please reach out to the individual assigned to your case if you have any further questions or comments.  Thank you for your Medi-Share membership. 
  

  Customer response

  05/25/2024

   
  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

  03/30/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Unable to cancel health share policy. Have called several times to cancel, and I get transferred to a nonexistent line telling me to call back "within business hours". It is always within the time frame of business hours. The customer service agent lines now simply hang up on my calls. I cannot get someone to help me cancel my service, and no longer wish to pay for a service I am not using.

  Business response

  04/02/2024

  Medi-Share apologizes for any difficulty encountered in the withdrawal process but your withdrawal request has been finalized and confirmed by email.  Please reach out to the Medi-Share representative assigned to your case if you have any questions or comments.  Thank you for being a part of the Medi-Share community.  Thank you very much.

• Initial Complaint

  03/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have only been with them since February . I have cancelled my insurance withn them *** went back to UNITED HEALTH. THEY owe me ****** {$******} they keep ******* me they are going to send it,The person that I have been dealing with Is *************** HAS BEEN A NIGHT MARE with thes people. I am 71 living on a fixed income I need this money to pay for my new insurance. Athur's phone #***************************

  Business response

  04/02/2024

  Medi-Share regrets any difficulty you encountered in the withdrawal process.  Your refund request has been processed and you should receive a check shortly, if you have not received it already.  Please reach out to Medi-Share with any questions or comments.  Thank you very much.  

• Initial Complaint

  03/18/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  My daughter had knee surgery on 9/7/23. The surgeon is in network, but the facility he performs surgery at is not. I was told I had to pay cash on the day of the surgery. I paid $22,545.83 on the day of the surgery. This was a discounted rate. After the surgery was complete their billing department notified me that the surgeon did not perform everything that they had initially thought they needed to and that I had overpaid. They issued me a refund of $10,645.97. They provide my with a **** form all the receipts showing payment and refund, and a letter stating the provider has privileges at an out of network facility only. The **** showed a charge of $18,512.33. I requested reimbursement on 10/3/23 for $11,899.86 as the provider gave a discount of $6,612.47. Medishare made a payment of $2,750.68 to the provider and discounted the rest. When I contacted them they told me the provider had submitted the bill. They had not. I had. The **** form clearly states that the provider does not accept assignment and it has two stamps on it stating "self pay claim form". I pointed this out and was then told to submit receipts showing payment. I had already done that. I was told I had to get the provider to send me the check that Medishare sent in error. This is not how this works. It is Medishare's error and they need to correct this. I called again and waited over 2 hours for someone to answer and spent another two hours discussing this. I was told to resubmit the ****, receipts, letter, and correspondence again which I did on 2/19/24. Medishare still has not reimbursed me the $11,899.86. We had already met our deductible of $10,500.00. Every time I call I get a different response and no one seems to know what they are doing. They will not pull the original information and I continue to get the run around. It has been 6 months since I submitted a request for reimbursement. They claim the time for processing is 30 days and it has been almost 180 days.

  Business response

  03/27/2024

  Medi-Share regrets any delay encountered in you receiving your refund.  Your requested refund is processing at this time and will be mailed to you as soon as possible.  Please reach out to the representative assigned to your case with any questions or comments.  Thank you for being a faithful Medi-Share member. 
  

• Initial Complaint

  02/16/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  In January of 2023 I called Medishare (Christian Care Ministries) here after to be referred to as M, to cancel (withdraw) myself and my wife from our health insurance policy (medishare calls it a health care cost sharing membership), and left our son on the policy (membership). His dues (monthly share) were to continue at a rate of approx $59 per month. Our rate for the 3 of us had been approx $580 per month.Yesterday, Feb 15, 2024 I called to update our acct info for my sons policy and was told that my wife and I were still on the policy and that we had been paying for the family policy all along, not having been cancelled (withdrawn is their term)The person in cancellations, named ****, checked phone records which apparently only go back 1 year, and said they had no record of our cancellation. He was not willing to allow me to talk to a supervisor above him to problem solve. He said that he had the final say and that there was nothing he could do for me. And then offered to pray for me.So for an entire year we were paying an additional $500-600 per month (it varied due to a monthly share increase) adding up to over $6000. We wish to be refunded. We are able to document when our new insurance policy began in January/Feb of 2023. It can also be noted that there was no activity on our acct with **********************/Christian Care during the period described above in terms of usage or claims. I am asserting that the overbilling and lack of any record showing the cancellation was not my fault but the fault of M.... And requesting a refund in good faith based on our word and on the fact that we began a new insurance plan and can document the date we began that plan with ***************** even though I am not able to upload the document on this complaint form **** with M, was not willing to discuss that evidence. I appreciate your help.

  Business response

  02/28/2024

  Medi-Share apologizes for any misunderstanding that *** have happened during the withdrawal process for yourself and ***************.  A refund of your monthly shares paid for the last 12 months is being processed.  Please contact Medi-Share at ************ with any questions or comments.  Thank you very much.  

• Initial Complaint

  02/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have attempted to withdrawal from the program for over two mins now. It seems CCM is making it intentionally difficult to withdrawal. I have called and wait for an hour, and they just transfer me to multiple people who say they dont have the power to cancel my membership. I have sent emails, as they have told me to do, and I am still not withdrawn. I would like to be withdrawn and for my account balance to be removed.

  Business response

  02/08/2024

  Medi-Share apologizes for any difficulty you may have experienced in the withdrawal process.   Your withdrawal request has been processed and backdated to January 1st and there is a $0 balance due on your account. Please contact the representative that reached out to you by email if you have any questions or comments.  Thank you very much.     

*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. ↩