Cancel Medi-Share: Step-by-Step Guide

What is Medi-Share

Overview

Medi-Share is a faith-based medical cost sharing ministry that facilitates voluntary sharing of medical expenses among members.

It is not regulated as insurance and does not carry the legal guarantees or regulatory oversight that insured products do.

How it operates

Members contribute monthly shares which are intended to be allocated toward other members' eligible medical needs.

Participation is voluntary and sharing decisions are subject to Medi-Share rules and member eligibility criteria.

How to cancel Medi-Share

Required notice and methods

• Provide notice at least 15 days before the desired cancellation date for individual or family membership.
• Acceptable contact methods: mail, email, fax or phone (handled directly by Medi-Share).

Step-by-step cancellation (recommended)

• Step 1: Find your membership number and personal details (name, DOB).
• Step 2: Decide an effective cancellation date and ensure it aligns with the 15-day advance rule.
• Step 3: Send your cancellation request using mail, email, fax or phone. Keep records (confirmation number or proof of postage).
• Step 4: Confirm cancellation becomes effective on the first day of the applicable month following the notice period.
• Note: If you enrolled via an app store but did not purchase through the store, cancel directly with Medi-Share.

What happens when you cancel

Access and coverage end

Coverage under Medi-Share ceases on the effective cancellation date, which aligns with the first day of the applicable month after proper notice.

Members should not expect further sharing of new medical expenses after that date.

Records and renewals

Medi-Share will retain member records according to its internal policies; request copies if you need them for future claims or disputes.

If you later rejoin, you may face waiting periods or eligibility reviews under Medi-Share rules.

Will I get a refund?

Official policy summary

There is no explicit general refund policy publicly stated by Medi-Share in Help Center or Terms as a universal guarantee.

Refunds are not guaranteed and appear to be handled case-by-case rather than as a statutory entitlement.

Exceptions and user reports

• Some members report refunds processed as a "gesture" in exceptional cases, often after long delays.
• Members who paid for the next month but did not give the required 15-day notice commonly report not receiving a refund for that upcoming payment.
• If you believe you are owed a refund, document your payments and cancellation notice and follow up persistently with Medi-Share customer service.

Medi-Share plans and pricing

Pricing availability

Medi-Share pricing for New Zealand is not published in NZD and no NZ-specific plan listings are available.

Membership appears to operate in USD for U.S.-based plans; New Zealand residents should confirm currency and eligibility directly with Medi-Share.

Summary table

Your consumer rights in New Zealand

Regulatory status

Medi-Share is not insurance and is not regulated as insurance in its official descriptions; it operates as a voluntary sharing ministry.

Because it is not a regulated insurer, many consumer protections that apply to insurance products in New Zealand may not apply to Medi-Share.

Practical implications

• You may not have a statutory cooling-off or automatic refund right similar to regulated insurance products.
• Appeal rights and regulatory complaint pathways available for insurers may be limited or unavailable for Medi-Share.
• Consider seeking independent consumer or legal advice before relying on Medi-Share for major medical expenses.

Customer experiences

Common negative reports

• Long hold times and difficulty contacting customer service; some users report wait times of hours.
• Claims denied for pre-existing or minor conditions; users describe disputes over eligibility and "medical necessity."
• Delays in claims processing and sharing payments, including unpaid telehealth or clinic bills.

Positive and neutral notes

There are fewer documented positive reviews in the sources used; some members report successful sharing for eligible claims.

Outcomes appear inconsistent and may depend on individual circumstances and how conditions were disclosed at enrollment.

Documentation checklist

Essential items to prepare

• Membership number, full name, date of birth and contact details.
• Clear written cancellation request stating desired effective date.
• Proof of sending (registered mail receipt) or confirmation number for phone/email contact.

Optional supporting documents

• Copies of recent payments or bank statements showing monthly shares.
• Any correspondence verifying prior approvals or denied claims relevant to your cancellation/refund request.

Common mistakes

Failing to provide sufficient notice

Many users report failing to give at least 15 days' notice and then being charged for the next month's share without refund.

Always calculate the effective date against the 15-day rule and provide proof of timely notice.

Relying on app-store cancellation or expecting insurance protections

If you enrolled or pay outside the app stores, cancelling there will not cancel Medi-Share membership; you must contact Medi-Share directly.

Do not assume insurance-style guarantees (automatic refunds, regulator-enforced payments) apply to Medi-Share.

Comparative recap

Quick comparison overview

The table below compares key consumer-facing aspects of Medi-Share with typical regulated health insurance in New Zealand.

Comparison table

After cancelling

Next practical steps

Confirm you have written confirmation of the cancellation and keep all records of communications and payments.

Check bank or card statements for any unwanted recurring charges and dispute them with your bank if necessary.

Helpful links and resources

• Medi-Share official site
• New Zealand Consumer Protection
• Commerce Commission (NZ)

Address

Mailing address for cancellations

P.O. Box 120099

West Melbourne, FL 32912-0099, USA

Contact reminder

When mailing, use registered post and retain proof. You can also contact Medi-Share by phone, email or fax as alternative methods.