Medi-Share is a Christian health cost-sharing program that provides an alternative to traditional health insurance. Instead of paying a premium, members contribute a monthly share amount, which is used to cover medical expenses for other members in the community.
One of the biggest benefits of Medi-Share is its Health Incentive Discount, which helps members lower their monthly share amount by staying healthy. This discount is based on factors like BMI, blood pressure, and waist size. By meeting the required health standards, members can save up to 20% on their monthly costs.
This article explains the Medi-Share Health Incentive Discount, including who qualifies, how much you can save, and how to apply. It covers eligibility requirements like BMI, blood pressure, and waist size. You’ll also learn ways to maximize savings with Medi-Share.
What Is Medi-Share?
Medi-Share is not traditional insurance—it’s a faith-based cost-sharing program where members help cover each other’s medical bills. It follows Christian principles, meaning some procedures, like elective surgeries, aren’t covered. Instead of a deductible, members have an Annual Household Portion (AHP), which they must meet before expenses are eligible for sharing.
Members also pray for one another and offer support, making it a community-driven approach to healthcare. Unlike insurance, there are no networks—members can choose any doctor that accepts self-pay patients.
What Is The Medi-Share Health Incentive Discount?
Well, let’s break it down simply. The Health Incentive Discount is a special reward for members who take care of their health. By keeping your BMI, blood pressure, and waist size within healthy limits, you can save up to 20% on your monthly share amount.
This program isn’t just about saving money—it’s about encouraging a healthier lifestyle. When members stay fit, it helps lower medical expenses for everyone in the community. Plus, it’s a great way to feel motivated to make better choices for your health.
Think of it as a win-win: you save money, stay healthier, and help reduce overall healthcare costs for fellow Medi-Share members.
What Is The Medi-Share Health Incentive Discount?
Let’s make it simple. The Health Incentive Discount is a way for Medi-Share members to save money by staying healthy. If you keep your BMI, blood pressure, and waist size within the recommended limits, you can get up to 20% off your monthly share amount.
But that’s not all! This program encourages a healthy lifestyle and helps lower medical costs for everyone.
When more members stay fit, it reduces the need for expensive treatments, making healthcare more affordable for the whole community.It’s a great way to stay motivated, take care of your body, and enjoy financial savings at the same time. After all, better health means fewer medical expenses and more peace of mind.
How Much Can You Save With The Discount?
The Medi-Share Health Incentive Discount can significantly lower your healthcare costs. Here’s a look at potential savings:
| Monthly Share (Before Discount) | With 20% Discount | Yearly Savings |
| $500 | $400 | $1,200 |
| $700 | $560 | $1,680 |
| $1,000 | $800 | $2,400 |
If your monthly share is $700, you could save $1,680 per year!
Who Qualifies For The Medi-Share Health Incentive Discount?
To qualify, you must meet three health requirements:
Body Mass Index (BMI):
Your BMI should be between 18.5 and 24.9 to receive the full discount. If it’s between 25 and 29.9, you may still qualify for a partial discount. A BMI of 30 or higher might disqualify you from savings. Maintaining a healthy BMI helps prevent obesity-related health problems and ensures lower medical expenses for you and the community.
Blood Pressure:
Your blood pressure must be below 121/81 mmHg to get the full discount. If it’s slightly higher, you may qualify for a reduced discount, but very high readings may result in no discount at all. Controlling your blood pressure lowers the risk of heart disease, stroke, and other serious health problems, helping you stay fit and avoid costly treatments.
Waist Measurement:
Your waist size must stay within the recommended limits for your gender and height. A larger waistline increases the risk of health conditions like diabetes, high blood pressure, and heart disease. If all adult members of a household meet these health standards, they can qualify for the full 20% discount, making Medi-Share an even more affordable healthcare option.
How Much Can I Save With The Medi-Share Health Incentive Discount?
Great question! The Medi-Share Health Incentive Discount can help you save up to 20% on your monthly share amount if you meet all health requirements. If you partially qualify, you may receive a smaller discount based on your BMI, blood pressure, and waist size. The healthier you are, the more you can save.
But that’s not all! Even if you don’t qualify for the full discount right now, you can work on improving your health and apply again next year. Maintaining a healthy lifestyle not only helps you save money but also improves your overall well-being. Every small step counts!
How To Apply For The Medi-Share Discount?
If you want to save money on your monthly share, here’s how you can qualify for the Medi-Share Health Incentive Discount:
- Sign Up for Medi-Share: First, join Medi-Share by choosing a plan that fits your needs and budget. It’s important to pick a plan that covers your family’s healthcare requirements while keeping costs manageable.
- Complete a Health Assessment: Next, submit your BMI, blood pressure, and waist size for evaluation. This step helps determine if you meet the health standards for the discount, so make sure your numbers are within the required range.
- Maintain Your Health: To keep your discount, you must continue practicing healthy habits like eating well, exercising, and managing stress. Staying active and making healthy choices will not only help you save money but also improve your overall well-being.
- Submit Yearly Reports: Each year, you need to update your health information to qualify for the discount. This ensures that all members continue to meet the health requirements and benefit from lower monthly costs.
- Stay Aware of Changes: If your health metrics improve, your discount may increase, giving you even more savings. However, if your numbers go outside the required range, your discount could be reduced or removed. Keeping track of your health will help you maintain your benefits.
Can I Still Get The Discount If I Am Slightly Above The Required Limits?
Good news! If your BMI is between 25 and 29.9, you may still qualify for a partial discount on your monthly share amount. However, if your BMI is 30 or higher, or if your blood pressure and waist size exceed the limits, you may not get a discount.
But don’t worry! You can always work on improving your health and reapply for the discount during the next evaluation. Making small lifestyle changes like exercising regularly and eating healthier can help you reach the required limits. The better your health, the more you save!
Other Ways To Save Money On Medi-Share – Smart Savings You Shouldn’t Miss!
Besides the Health Incentive Discount, you can lower your costs by making smart choices. Here are some additional ways to save:
Choose A Higher Annual Household Portion (Ahp):
Selecting a higher AHP means your monthly share amount will be lower. Medi-Share offers different AHP options, ranging from $1,000 to $10,500, allowing you to customize your plan based on your budget. However, keep in mind that a higher AHP means you will pay more out-of-pocket before Medi-Share starts sharing your medical expenses.
Use In-Network Providers:
Choosing PHCS network providers can significantly reduce your medical costs because they offer pre-negotiated lower rates. If you visit an out-of-network doctor, you may be charged higher fees, and some expenses may not be eligible for cost-sharing. To avoid unexpected bills, always confirm if your provider is in-network before scheduling any medical appointments.
Take Advantage Of Telemedicine:
Medi-Share provides free telemedicine visits, allowing you to consult a doctor from home without extra costs. This service helps you avoid unnecessary doctor visits for minor illnesses like colds or infections. Telemedicine is a convenient and affordable way to receive medical advice, saving you both time and money while maintaining your health.
Live A Healthy Lifestyle:
Maintaining a healthy diet and exercising regularly can reduce your risk of major health issues. A healthier lifestyle not only improves your well-being but also helps you qualify for discounts on your monthly share amount. By making smart health choices, you can lower medical expenses, avoid hospital visits, and keep your Medi-Share costs under control.
Is Medi-Share Cheaper Than Traditional Insurance?
| Feature | Medi-Share | Traditional Insurance |
| Monthly Cost | $300–$700 | $400–$1,500 |
| Annual Deductible (AHP) | $1,000–$10,500 | $1,000–$8,500 |
| Doctor Visit Fee | $35 | $20–$50 |
| Emergency Room Visit | $200 | $100–$500 |
For healthy individuals and families, Medi-Share is often more affordable than insurance.
FAQS:
Does Medi-Share cover all medical expenses?
No, Medi-Share does not cover all medical expenses. It follows Christian values, so elective procedures, fertility treatments, and some medications may not be eligible for sharing. However, routine checkups, hospitalizations, and emergency care are covered if they meet Medi-Share guidelines. Always check the member handbook for details.
Do I need to reapply for the discount every year?
Yes, you must reapply for the Health Incentive Discount annually. You’ll need to submit updated health measurements, including BMI, blood pressure, and waist size. If your numbers remain within the required limits, you’ll continue receiving the discount. If they change, your discount could increase, decrease, or be removed.
Can my whole family qualify for the discount?
Yes, if all adult family members meet the health requirements, your household can receive the full 20% discount. If only some members qualify, the discount may be partial. Each adult in the family must maintain their health metrics to keep receiving the savings.
What happens if my health metrics change after qualifying?
If your BMI, blood pressure, or waist size goes above the required limits, your discount may be reduced or removed at the next annual review. However, if you improve your health, you may qualify for a higher discount the following year. Staying active and eating well can help maintain your savings.
Can I combine the Health Incentive Discount with other savings?
Yes, you can combine the discount with other cost-saving options. Choosing a higher Annual Household Portion (AHP), using in-network providers, and utilizing telemedicine services can further reduce your expenses. These strategies help keep your Medi-Share costs as low as possible while ensuring you get the care you need.
Conclusion:
The Medi-Share Health Incentive Discount is a great way for members to save money while maintaining a healthy lifestyle. By meeting BMI, blood pressure, and waist size requirements, members can reduce their monthly share by up to 20%. This program not only benefits individuals but also helps keep healthcare costs lower for the entire Medi-Share community.
It encourages members to adopt healthier habits, leading to fewer medical expenses over time. The discount also rewards those who prioritize their well-being, making healthcare more affordable. Ultimately, it supports a faith-based approach to cost-sharing while promoting a healthier lifestyle.
