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:03/18/2024

  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.

  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

  Date: 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

  Date:02/16/2024

  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.

  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

  Date: 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

  Date:02/02/2024

  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 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

  Date: 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.     

• Initial Complaint

  Date:01/25/2024

  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.

  I have been using Medishare as an insurance substitute for a couple of years as I do not have employer paid insurance. I signed up for ACA insurance on January 15, ****. The policy hunter instructed me to call Medishare immediately and tell them I would be under an ACA policy beginning February **** and that I would be due a refund of the premium I had paid at the beginning of January ****/end of December 2023 in the amount of ****** paid from my checking account. I began calling Medishare customer phone number on January 16th. I followed the prompts inputting my social, DOB, etc. I was on hold each day that week for over 30 minutes some times with no answer. I then began to repeatedly email them. I received autoresponses. I did not receive a response until today telling me that I would not be "released" from my membership or be due a refund because I did not contact them 15 days prior to the end of the month. Had they had someone to answer their phones on January 16th, or answered any of my emails I would've been able to cancel within their parameters.

  Business Response

  Date: 01/30/2024

  Medi-Share appreciates your time as a member and regrets any difficulty you may have encountered in withdrawing your membership.  We have attempted to reach out to you to confirm that your withdraw date is February 1st,2024.  If you have any questions or comments, please reach out to the individual assigned to your case.  Thank you very much.  

  Customer Answer

  Date: 02/01/2024

   
  Better Business Bureau:
  
  This is what I was trying to accomplish from the beginning. Their initial response was to make responsible for additional months because they had no one to answer their customer service line or respond to my emails until I filed a BBB compliant. Once I filed a complaint, I got immediate response via email. I don't have phone calls as my cell phone provider blocks spam calls.

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

• Initial Complaint

  Date:01/24/2024

  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.

  I had surgery on 8/6. I had to pay everything up front. I have also had to pay all subsequent follow **** This hospital does not accept Medishare (MS) ******* Health West). I was told by Medishare just to get a letter from hospital stating that and they would reimburse me. I did. I also had to have a 3 way call with their rep so she could verbally hear hospital doesn't accept ******** said it will get processed. It hasn't. I then was requested to get a HFCA form. Hospital wouldn't give to me. I begged CFO to release. She begrudgingly did stating MS was horrible to work with and they had shady practices, hence why they won't bill them. I sent HCFA to MS. I also sent itemized statement, proof of payment, ICD codes, CPT codes, TIN #s, NPI #s, billing address. There is also a Gastro intestinal practice and a lab at another hospital that the same thing is happening with. Literally everything that is possible in my control had been sent repeatedly via their email. They just keep stating: something is missing and therefore inactive, thus not getting reimbursed. I have $30,000 in medical bills they are not paying for. I have been a member with them for 12 years and paid faithfully. For a Christian based business, they are painfully disappointing and incredibly frustrating with respect to what they say and promise vs. what they actually deliver.

  Business Response

  Date: 02/06/2024

  Medi-Share regrets any challenges you have faced in getting your bills processed. When providers submit standardized medical billing forms directly to Medi-Share as required by the Medi-Share Guidelines, bills are processed in a timely manner, but when there are exceptions to the required process, or when information is missing, resolution may take longer.  Medi-Share has been actively working on your behalf to complete the processing of your bills.  Please direct any questions or comments to the individual assigned to your case.  Thank you very much for your valuable membership.  

  Customer Answer

  Date: 02/06/2024

   
  Complaint: 21195527
  
  I am rejecting this response because: I am only partially rejecting since the bills have yet to be paid but I do appreciate *** rep **** has actually started communicating and appears to be working on the situation. It is by no means resolved and therefore I am unable to accept resolution at this time but hope to do so in the near future if and when I receive full reimbursement. 
  
  Sincerely,
  
  *********************

  Business Response

  Date: 02/14/2024

  Medi-Share has been contacting providers on your behalf to obtain the guideline-required standardized billing forms to process your medical charges.  Without these standardized billing forms, processing of medical bills can be delayed due to incomplete information.  Medi-Share recently issued a  reimbursement to you and other bills are working their way through the processing queue. Please reach out to the representative assigned to your case if you have any questions or comments.  Thank you very much.   

  Customer Answer

  Date: 02/15/2024

   
  Complaint: 21195527
  
  I am rejecting this response because while MS is finally working diligently on my behalf, which I appreciate, they have yet to fully resolve this issue.   There are still many denials or in process bills that they have already received  all necessary documentation yet have not paid them.  Some denials are bogus like excessive charge.  I have no control over that since it is a medical bill I received after paying in full, after care was received.   Some of them are now 9 months old.  
  
  Sincerely,
  
  *********************

  Business Response

  Date: 02/23/2024

  Medi-Share has processed all of your eligible bills on record and checks have been issued to you, your providers or amounts applied to your Annual Household Portion where warranted;however, some charges are still pending where only partial information has been received. In these cases, Medi-Share has reached out to providers on your behalf to obtain the missing information needed to process the charges.  Unfortunately,without the guideline-required standardized medical billing forms, bill processing can be delayed.  Please reach out to the representative assigned to your case with questions or comments about individual bills. Thank you.   

  Customer Answer

  Date: 03/07/2024

  I am still waiting for Medi-Share to pay bills.  I didnt respond to last one because there was no specific timeline mentioned.  They have not fulfilled responsibility.  Please keep claim open.  

• Initial Complaint

  Date:01/04/2024

  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.

  After being unable to reach someone via telephone after numerous attempts, I decided that I did not want to continue my association/membership with Medi-share. I paid in November but the medical sharing benefits were set to begin January 1st, ****. I began trying to reach them and was unable to via telephone so I began sending them emails. Copies attached. I received one response via email when I sent them an email saying that I had closed the account the AutoPay was connected to and I needed to change it. I sent that hoping that I could remove my banking information from my account, effectively canceling my account but I am unable to remove the banking information. I am desperate - I can't afford to have $379 taken out of my account since I already have a different medical sharing program with ******************* and am paying for that one.

  Customer Answer

  Date: 01/04/2024

  I have attached the autogenerated "Thank you for contacting us" emails.  The first one I received was 12-24-2023.  I received 4 before I received the "Regarding your Withdrawal" email.  I have requested the link to the Medi-share Guidelines spelling out the details to withdraw from membership and informed them that I have made a complaint to the BBB.  I received another "Thank you for contacting us" email at 8:43 pm today.  My first request to cancel my membership was December 5, 2023. 

  There was not enough space to add my response to their "Regarding your Withdrawal" email and I don't know how to do Zip.  Here is the text below: 

  Subject: ********* to Medi-share Guidelines regarding withdrawal from membership
  ******* ****** Alderman <***********************> 8:43?PM (16 minutes ago)
  
  Please send me the link to the Medi-share Guidelines regarding withdrawal from membership. I have communicated with the Better Business Bureau regarding your lack of response to my repeated requests to cancel my membership.  
  
  ******************************** ********
  
  Withdrawal Case#: 04593332
  EFT Stop Case#: 04593331

  Business Response

  Date: 01/10/2024

  Medi-Share would like to apologize for any difficulties you may have encountered in withdrawing your membership.  Your withdraw request has been completed as per an email that was sent to you on January 6th ****.  Your refund request has been submitted and is pending approval.  Please reach out to the individual assigned to your case with any questions or comments.  Thank you very much.   

• Initial Complaint

  Date:10/09/2023

  Type:Billing 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.

  I was seen for neck and shoulder paint from April to June 2023. ********** denied all of the claims for payment until I provided additional documents. The provider sent the documents to **********. Today, 10/4/23, I received a letter from ********** dated 9/22/23 stating, “Your medical bills for cirrhosis of liver cannot be considered for sharing at this time because we are in need of additional medical records to complete your review.” I do not have cirrhosis. I’ve never had cirrhosis. No where in my medical records does it ever indicate this diagnosis or treatment whatsoever. ********** is so far off base with this, and I am being threatened by the medical facilities to be sent to Collections because the claims process has been taking so long. Furthermore, I could not receive further treatment for neck/shoulder pain because ********** denied payment.

  Business Response

  Date: 10/16/2023

  ********** wants to resolve any misunderstanding regarding billing.  **********’s processing of medical bills is based on information submitted by the providers and by **********’s member-voted guidelines.  The submission of corrected medical records and medical bills by your provider should resolve the issue.  Please reach out to the representative assigned to your case if you have any questions or comments.  Thank you. 
  

  Customer Answer

  Date: 10/16/2023

  
  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:04/17/2023

  Type:Customer Service 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.

  I initially called in on 4.14.2023 to cancel my membership. A recording played saying they were in a training for most of the day so calls were not being answered. I called back on today on 4/17 and they tell me my membership has to be canceled more than fifteen days before the next 1st of the month, so my first cancel date is 43 days later. Or 46 days later than my original call in date. What a scam!!! Why can't I just call in and cancel and it be effective on the day I call in? Medishare has to play some legal jargon games to increase revenue and that is UNFAIR!

  Business Response

  Date: 04/20/2023

  Medi-Share regrets the difficulties you encountered in attempting to withdraw from membership.  A task to withdraw your membership as of May 1st is in process.  Your monthly share for the month of May that was drawn by Auto Pay on April 15 is in the process of being refunded.  Please reach out to Medi-Share Member Services at 800-264-2562 with any questions or comments.  Thank you very much. 
  

  Customer Answer

  Date: 04/20/2023

  
  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:04/03/2023

  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.

  ***** underwent surgery on 1/12/23 for breast implant exchange and developed complications. Then underwent emergency surgery on 1/13/23. Provider failed to approve either of the surgeries since the initial surgery was initially filed as elective. I provided all information requested on 2/7/23 and 3/9/23 to reevaluate initial surgery. I called again on 3/10/23 to see if they received all information and was told both the 2/7/23 fax and 3/10/23 email info were received and would be processed. I called back on 3/13/23 and spoke with Debra a supervisor who I had communicated with several times and was told it takes a little more time for the review to Happen. Called again on 3/23/23 and Debra said give it a few more days. Called again on 3/30/23 and spoke with supervisor Andrea who said the information is still in the cue and if there is not an itemized bill with codes that it will not be processed. I informed her that the letter from the surgeon for the initial surgery included all the codes required during the surgery. Andrea again said without the individual codes there would be no processing. During my several hours of telephone conversation with Debra, she understood my situation and that everything has been received that had been required….now we just have to see what underwriting says. Since I was getting nowhere with Medi-Share and just keep getting the run around. I threw up my hands and said I’m out. I cannot deal with this. They claim to be a Christian organization but act very worldly. I’m frustrated but mostly hurt by their deception. They win.

  Business Response

  Date: 04/06/2023

  Medi-Share regrets the frustration you have experienced in getting your wife’s bills processed.  We appreciate the additional information you provided and bills you have submitted, and will follow up with you during the process. Member medical bills are always processed in accordance with Medi-Share’s published, member-voted guidelines.  Please reach out to the representative assigned to your case with any questions or comments.  Thank you very much for the opportunity to assist. 
  

  Customer Answer

  Date: 04/07/2023

  
  Better Business Bureau:
  
  I received a personal phone call from one of the companies Senior Specialists.  He fully understands our situation and will personally see the process through to completion.  This is all we wanted and expected from the start.  I commented, they should escalate unique cases to one specialists so protect frustration from setting in.
  
  Sincerely,
  
  **** *********

• Initial Complaint

  Date:12/30/2022

  Type:Billing 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.

  My daughter tore her ACL in August and required ACL reconstruction surgery. Per my request, my provider contacted Medishare to pre-notify them of the upcoming surgery. Whomever answered the phone told my provider that they could perform the surgery anywhere. The surgery was scheduled at a small surgery center to save both me and the health share ministry money. The surgery was performed on 8/30/2022. I was required to pay the self-pay rate of $13,750.80 to the facility with a cashier's check at time of service. I reached out to the MAO Leawood billing office to get the required UB04 form to submit to MediShare; however, the facility billing department would not provide me with the required form to process my claim. As a result, it took between 9/23 and 11/18 and many hours on hold and phone calls to MediShare for a dispute to be started for this bill. When I called on 11/18 to follow-up, Dre-Anna told me she started a dispute and to call again in 1-2 weeks to check the status. When I logged into my member center a few weeks later, I saw the bill was processed, but they said $7659 was "over usual and customary charges" and that the facility was "out of network." I have been blindsided by this as both the surgeon and anesthesia are in-network. My provider reached out to MediShare as requested prior to surgery and was told they could do the surgery anywhere and they neglected to mention to them that MAO Leawood was not in their required network or they would have looked elsewhere. Per MediShare, they will "file a waiver" to allow for the U&C charges to be "shared by members" IF my provider could only perform the surgery at this location. Obviously, we could have went to a big (more expensive) hospital for the procedure, but we were trying to be fiscally responsible for both us and MediShare. I called on 12/15 and a case ********* was created; however, it really wasn't. I'm tired of getting lied to. I want my money $7659 shared as that is what is the right thing to do.

  Business Response

  Date: 01/17/2023

  Medi-Share regrets the frustration you experienced in getting your daughter’s bill processed.  The documentation required to waive any penalties is processing.  In the meantime, please reach out to the representative assigned to your case with any questions or comments.  Thank you very much. 

  Customer Answer

  Date: 01/26/2023

   
  Complaint: ********
  
  I am rejecting this response because I am still awaiting confirmation that these expenses will actually be shared. After going back and forth with my provider, Tom with MediShare has said he has submitted an "Executive Exception" in an attempt to "resolve the penalty on Carmen’s bill." Per Tom, "Several people in Medi-Share management will review the Executive Exception, it went to my manger first and then will go to higher management after that.  I can’t promise an outcome or a timeframe for a response but it will be a few more days."

  I have been told by MediShare employees that they have done things in the past regarding resolving this issue, but they actually hadn't. While Tom appears to be working to resolve my complaint, until I receive a positive response and confirmation that the $7659 is eligible for sharing (and reimbursement), I will not be satisfied. 

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

  Business Response

  Date: 02/02/2023

  Medi-Share again regrets the frustration you experienced in getting your daughter’s bill processed.  Following a review and a waiver of the out-of-network penalty, the bill has been shared.  If you have any questions or comments, please reach out to the representative assigned to your case.  Thank you for the opportunity to be of service.