Yes, most people are not aware nor fully understand the loopholes that are available to them in the ACA – Affordable Care Act or (Obamacare). One such loophole is Christian health sharing ministries because of their religious beliefs.
Medical Cost Sharing is not a new concept; in fact Christians have been coming together to share their medical costs for well over 30 years.
There are no restrictions based on age or geographic location with the exception that this is only for people under 65 living in the United States. All plans require that you live by Faith-based principles, refrain from illegal use of drugs, follow Biblical teachings on the use of alcohol and attend Worship as regularly as your health permits.
No, we are not an insurance company; we are a 501c3 not for profit Christian corporation that provides a health care alternative to its members.
Staying in communication with us is the key during such instances. If something like this was to happen to you and your family we would need to discuss your personal responsibility options because increasing that option could potentially lower your monthly membership fees. Remember that it is imperative that all members participate in the manner in which the system is structured in order for the coverage and healthcare provision to be successful for all.
That is an easy question to answer. Here are some of our huge advantages.
We DO NOT charge you to apply. Some other companies charge you hundreds of dollars JUST TO APPLY!
Our medical cost sharing begins after your personal responsibility is met for the year. Other companies deal with PER INCIDENT! That means if you have several "incidents" your out of pocket expenses could be HUGE
We have plans for special situations such as our Pre Medicare and New Employee Bridge
Once you start comparing plans, you will easily see why we are clearly the best value in health sharing organizations.
MCS Medical Cost Sharing Plans are now All Provider Plans. We have moved away from the PHCS network which helps our members be more flexible on who they are able to see!
All of our staff, management team and officers are well experienced in the healthcare field. Our main officers have over 40 years of collective experience helping people with their healthcare needs.
All plans have a monthly membership fee or as we call it, a monthly contribution. In addition, all of our plans do have a “personal responsibility” (like a deductible if this were insurance). There is NO co-pay at the doctor’s office. In addition, all trips to the Emergency Rooms have a $1,000.00 co-pay.
Most claims are usually paid within 60 days.
Members can keep in touch and be updated through our Facebook page. Feel free to make a prayer request or keep up with those recovering. We are a family and we hope you join us as we all participate in the well-being of our members.
As we would love to care for each of our members there are instances that are out of our control in which you should call 911 or go directly to an emergency room. You should contact us and we can post to the Facebook page for immediate prayer once it becomes feasible to do so.
Yes we offer a 24 hour Telemedicine benefit that allows you to talk with a board certified USA based physician. This is a totally free service for our members.
Each MCS member that is enrolled in our Platinum, Gold, Silver and Bronze full sharing plan does have a “personal responsibility” (which is like a deductible if we were a health insurance company) that must be met before MCS will pay for qualified medical expenses.
Answer: You can choose to have your monthly contribution ( this is the same as a health insurance premium if we were an insurance company) made with pre-tax or post tax dollars when your company offers a flexible benefits or cafeteria – style benefits program. If you are self employed or your company does not offer such a plan, you have to use after tax dollars. When you have the option to pay with pre-tax money, you may be asked if you want to use after tax dollars. You will have to specifically request the change to use after tax money during your annual enrollment process.
With that being said – you should ALWAYS consult your C.P.A. for your particular situation.
Answer: There are two requirements that must be met.
1. All people must be able to answer “Yes” to our 4 basic questions. We trust that as a Christian you will be honest in answering these four questions. We do not require verification from other sources because we believe our relationship with you and your relationship with us is based on Faith and Trust. There are some other ministries that require signatures from Ministers and church attendance records, but we accept your word as the truth.
2. All people enrolling will be evaluated for pre-existing conditions if they intend to enroll in our “Sharing” Programs (the Platinum, Gold, Silver and Bronze plans).
Your coverage begins as soon as you sign up and your monthly contribution has been paid. In all cases payment to your health care provider will only be made AFTER your personal responsibility has been made. In some cases payment is not made until after our staff has determined by obtaining your medical records that treatment was not due to a pre-existing condition.
We do have what is called a “Vetting Period”. We use 90 days as our vetting period. No claims are eligible for sharing during the 90 day vetting period. The purpose of the vetting period is to make sure MCS is a good fit for you as well as the family of MCS members.
For all cancellation requests, the primary member must submit a signed request. This must be received by one of the following methods:
mail – MCS, 1202 Village Dr., St. Joseph, MO 64506;
fax (866) 875-8226;
or by email to firstname.lastname@example.org
A follow-up call must be made BY THE MEMBER within 72 hours to ensure the cancellation request was received by MCS.
*** Please allow 10 business days after written confirmation is received, for deactivation of your membership, and to complete the process to stop your recurrent billing.
30 days – After a contribution is more than 30 days late, the membership automatically terminates.
Medical Cost Sharing is a Christian health care sharing ministry. As such, we trust but verify. We reserve the right to terminate membership for any of the following reasons, but not limited to:
If you wish to renew membership, effective date will be the requested effective date on your new application.
When MCS accepts your new application, it works as follows:
Part 1: Question: “What is a pre-existing condition?”
Answer: A pre-existing condition is any condition that you had prior to your requested effective date of your Medical Cost Sharing Membership
Part 2: Question: “When does the 36-month pre-existing clause actually start ?
Answer: Not the application date, but the requested effective date on the application is the beginning of membership, and is the starting date of the 36-month pre-existing condition period.
Offer and compromise is good for 3 business days.
As a health sharing ministry, we do not have an “open enrollment” window. New members can sign up 365 days a year.
Please use email@example.com as your primary email when you need support from our staff.
The most up-to-date information for NEW and EXISTING members will always be listed on this website.
MCS will not refund any portion of your monthly contributions should you decide to cancel your membership.
Effective 4/30/2018, all preventative/wellness care will now be a shared expense and will go toward your annual personal responsibility.
Effective immediately, due to the emergency room being misused as a Primary Care Physician, ER visits will no longer be eligible for sharing except in a life-threatening situation.
If it is a life-threatening situation, the personal responsibility for emergency room will be $1000.00 in addition to your annual plan personal responsibility.
Seeing a specialist without prior authorization is not be eligible for sharing. Seeing specialist with prior authorization will result in an additional $500 per visit to your personal responsibility.
Surgeries/outpatient/inpatient procedures, etc. are required to have a prior authorization before a member is seen or a procedure is done or it is not eligible for sharing, allowing that it is not life threatening.
All claims must be filed by the provider (on the current version of CMS-1500 or UB-04) on their claim forms to the address on the back of the card to be considered for sharing.
We cannot accept statement or invoices regarding doctor visits from members.