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Cancel Medi-Share: Step-by-Step Guide
What is Medi-Share
Overview
Medi-Share is a faith-based health-share ministry run by Christian Care Ministry that facilitates members sharing eligible medical costs according to ministry guidelines.
It is not an insurance product and operates under its own terms, membership rules, and ministry policies rather than standard insurance regulation.
How it works in brief
Members contribute monthly shares and submit eligible medical needs to be considered for sharing by the group.
Eligibility, annual household portion (AHP), pre-existing condition rules, and sharing decisions are governed by Medi-Share policies.
How to cancel Medi-Share
Primary cancellation method
- According to Medi-Share's official FAQs, cancellation must be done by telephone.
- Call the Member Center at (800) 264‑2562, Extension 7075 to request cancellation. Use +1 before the number if dialing internationally: +1 800 264 2562 ext 7075.
Practical steps to cancel
- Prepare your membership number and personal details before calling.
- Call the Member Center and state you wish to cancel your membership; ask for the effective date of cancellation and any notice requirements.
- Request a written confirmation of cancellation by email or mail and note the representative's name and the date/time of the call.
- If you are charged after cancellation, save bank or card statements and follow the dispute steps provided by your payment provider.
What happens when you cancel
Access and coverage
Coverage or sharing typically continues until the effective cancellation date provided by Medi-Share.
Any eligible submissions made before the effective date should follow the standard review process, subject to Medi-Share rules.
Renewal, data and records
Cancelling stops future monthly share obligations after the effective date, unless otherwise specified by Medi-Share.
Keep copies of all correspondence, confirmations, member ID, and billing records for your personal files and any future disputes.
Will I get a refund?
Official policy status
No explicit refund policy is clearly stated in Medi-Share's publicly available materials.
There is no evidence of a statutory 14-day cooling-off or automatic refund guarantee from Medi-Share documents.
Common exceptions and notice timing
- Third-party summaries report a 15-day notice practice: notifying fewer than 15 days before month-end can delay cancellation by a full month.
- Some members have reported being charged after cancellation or facing difficulty obtaining refunds; these appear to be handled case-by-case.
Medi-Share plans and pricing
Available plan information
Publicly available Medi-Share pricing for Nigeria was not found.
Medi-Share typically publishes pricing in USD for U.S. residents via ZIP-based calculators or custom quotes.
Pricing table
| Plan name | Coverage type | Price (local/Nigeria) | Notes |
|---|---|---|---|
| Medi-Share (general) | Faith-based health share | Varies | Pricing publicly available in USD for U.S. residents; no Nigeria-specific pricing found. |
Your consumer rights in Nigeria
Regulatory context
Medi-Share is a faith-based health-share ministry, not an insurance provider, so standard insurance consumer protections may not apply.
Members are governed primarily by Medi-Share’s terms and ministry rules rather than Nigerian insurance regulation.
Practical steps for Nigerian members
- Retain written records of cancellation requests and confirmation from Medi-Share.
- If you encounter billing or refund disputes, consider contacting your bank or card issuer to dispute charges where appropriate.
- You may seek guidance from the Federal Competition and Consumer Protection Commission (FCCPC) or local legal counsel about consumer protection options.
Customer experiences
Positive reports
Some long-term members report Medi-Share paid medical bills after the annual household portion (AHP) was met.
A few members described positive experiences managing hospital stays and births under the program. Source: healthsharingreviews.com.
Negative reports
- Many users report difficulty getting bills paid, including delays, denials, and extensive paperwork follow-up. Source: Trustpilot.
- Complaints include limited in-network access, claims denied as pre-existing conditions, slow bureaucracy, and challenges with cancellations and refunds. Source: medisharereviews.com.
Documentation checklist
Essential items to prepare
- Membership number and full name as on the account.
- Date and time of your cancellation call, and the name of the representative.
- Written confirmation of cancellation (email or mailed letter) if provided.
- Copies of recent statements showing charges you may dispute.
Supporting medical and billing records
- Copies of invoices, itemized medical bills, claim submission receipts, and any correspondence about sharing decisions.
- Proofs of payment for monthly shares (bank statements, card receipts).
Common mistakes
Assuming it's the same as insurance
A common mistake is assuming Medi-Share has the same regulatory protections, coverage guarantees, or refund rules as regulated insurance.
Because Medi-Share is a ministry, its processes and dispute remedies differ from standard insurance products.
Timing and record-keeping errors
Not giving sufficient notice before month-end (reports indicate a 15-day practice) can delay cancellation and lead to unexpected charges.
Failing to obtain written cancellation confirmation or keeping call records reduces leverage in disputes over post-cancellation charges.
Comparative recap
High-level comparison
The table below summarizes key differences between Medi-Share and more typical insurance offerings to aid decision-making.
Comparison table
| Feature | Medi-Share | Traditional health insurance |
|---|---|---|
| Regulation | Faith-based ministry; not regulated as insurance | Regulated by insurance authorities with statutory consumer protections |
| Cancellation method | Telephone cancellation reported as required | Often cancellable online, by mail, or by phone depending on provider |
| Refunds | No explicit public refund policy; case-by-case and notice timing applies | Usually governed by law and contract, with clearer refund/cancellation rules |
| Provider access | Varies; members report limited in-network access in some cases | Network and provider access clearly defined in plan documents |
| Consumer protections | Limited compared with regulated insurance; governed by ministry rules | Stronger statutory protections and regulatory oversight |
After cancelling
Immediate follow-up actions
- Save the cancellation confirmation and note the effective date.
- Monitor your bank or card statements for any post-cancellation charges and be ready to dispute them if needed.
Helpful links and contacts
- Medi-Share official FAQs: medishare.com - FAQs.
- Third-party complaint summaries: medisharereviews.com.
- User reviews and experiences: Trustpilot, healthsharingreviews.com.
Address
Corporate correspondence
Christian Care Ministry, Inc.
4150 West Eau Gallie Blvd. Melbourne, Florida 32934 United States
Notes about contacting from Nigeria
U.S. toll-free numbers may not be accessible from Nigeria; use +1 and a suitable international calling method or VoIP service if needed.
If you need further assistance, consider contacting local consumer protection authorities such as the FCCPC or seeking local legal advice.
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Written by Kayode Ogundipe
Digital-law graduate · 7 years experience
Graduate in digital law and passionate about secure written communication, I have been writing guides on certified mail and electronic registered delivery for 7 years.