I work for myself. That means no juicy bigco health insurance. But I’ve found another way — a Christian health share.
Since 2018, I’ve been using a service called Medishare. Medishare is a collective of people that share each other’s medical bills.
Health shares will usually exempt you from any penalties under the ACA or state laws. Having Medishare has exempted me here in New Jersey.
For the last 6 years, Medishare has worked great for me! Here’s what I’ve experienced…
1) Eye infection. I got pink eye a couple of years ago, not long after I signed up for Medishare.
“Does this thing really work?” I thought. “I guess I’m about to find out.”
I went on their website and requested a telehealth appointment. A doctor called me within minutes.
I described what was wrong, and he prescribed some antibiotic eyedrops. I walked a couple of blocks to Walgreens, paid around $30, and the problem was solved.
Success!
2) Finger infection. This one hurt.
I banged my index finger doing dishes one night. I didn’t know it, but that mishap caused a tiny cut.
The icky water of dirty dishes must’ve gotten in there, and my finger got a bad infection.
I was visiting my mom in Wisconsin when I hit my limit. So although it was after midnight on Thanksgiving Day, I asked for an appointment via Medishare.
A very kind doctor called me back within probably 2-3 minutes, despite the time.
I sent him a picture and described the problem. “My finger definitely hurts,” I told him.
“Yes, I imagine it does!” he said. “What’s happening is the infected area is pushing your fingernail out of place.”
Nature had conspired to recreate ancient torture methods on poor Francis. But not to worry — this wonderful doctor was here to help.
He prescribed an oral antibiotic, and I thanked him profusely for being there for me after midnight on a holiday when he probably wanted to spend time with his family.
This man was truly a good doctor.
I picked up the pills for maybe $15 at Walgreens the next day. Almost immediately, the problem disappeared.
3) COVID. You knew this one was comin’, didn’t ya?
In late 2020, a friend of mine got COVID and wound up with some nasty symptoms.
I had been in a car with him shortly before. I felt fine, but I still must have it, right?
I called Medishare to find out what the heck to do in case I did test positive. How long do I quarantine?
A nice doctor patiently answered all my questions. I even called back for a 2nd visit later that day to ask more questions, and they answered every single one.
I got tested, and turns out I didn’t even have it! But Medishare was there to give me peace of mind, and I’m grateful for that.
All the telehealth visits I’ve described above were absolutely free. I only paid for the prescriptions, which were pretty cheap.
In the 6 years I’ve used Medishare, I have been very fortunate not to have any serious health issues. So, I cannot tell you what Medishare is like for those with more severe health challenges. I can only tell you about my experience.
It’s also absolutely critical to note that Medishare is not health insurance. A health share is different and subject to different regulations.
Medishare is not the only health share out there. I hear a ton of good things about Sedera. Liberty Healthshare is also a popular choice.
I can’t tell you the right choice for you. But I can tell you that after six years with Medishare, I’m happy as a clam!
What do you do for medical care? Leave a comment and let us know.
Have a great weekend everyone!
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