Medi-Share in Florida, uses the Health First provider network like traditional health insurance plans. It operates as a healthcare cost-sharing ministry, where members agree to share the burden of each other's medical expenses. As a result, members are free to choose their own healthcare providers, including doctors, specialists, hospitals, and other medical facilities. If the provider is "In-network", similar to insurance coverage, the provider has contractually agreed to abide by a schedule of fees.
When a member needs medical care, they can seek treatment from any healthcare provider of their choice. After receiving the medical services, the member submits the medical bills to Medi-Share for sharing among the community of members. Each member's monthly share amount is used to cover the eligible medical expenses of other members in need.
It's important to understand that while Medi-Share allows members the freedom to choose their healthcare providers, there are specific guidelines and restrictions on the types of medical expenses that are eligible for sharing. Pre-existing conditions, certain elective procedures, and other expenses may not be covered under the program.
Because Medi-Share is not an insurance company and may not have contracts with specific healthcare providers, members may be responsible for negotiating the cost of medical services directly with their chosen providers. Some providers may be familiar with the Medi-Share sharing process, while others may require additional explanation and cooperation from the member.
Before becoming a member of Medi-Share, it's essential for individuals to carefully review the program's guidelines, coverage limitations, and sharing process to ensure it aligns with their healthcare needs and preferences. Additionally, members should be prepared to manage their healthcare expenses independently and navigate the process of sharing medical bills within the Medi-Share community.