The most up to date version of the members guide is where you will always find the most up to date information on MCS policy. The most resent version will always supersede any and all previous versions. This right is reserved by MCS and applies to all memberships, new and old. It is necessary for MCS to make periodic adjustments as the marketplace itself fluctuates.
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.
The primary member may apply for dependent coverage (children) after birth and up to age 18, unless child is furthering education and can be claimed on parent's taxes.
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.
Once you start comparing plans, you will easily see why we are clearly the best value in health sharing organizations.
With the Plus Plans, our members have access to the PPO network. MCS Medical Cost Sharing partners with PHCS/Multiplan Network, the largest PPO network in the United States.
To find a doctor in your area, click on the following link:
- Make sure that the selected network is "PHCS"
- Use the search box to find a doctor by name, specialty, facility type, NPI # or license #
- If you want to filter results by geographical location, click the "Enter Zip" text link and enter a city, state or zip code
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.
Diamond and Diamond 5 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 Room will be $1000.00 in addition to your annual plan personal responsibility with the exception of life threatening situations.
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.
Medicinal and/or recreational marijuana use (even in legalized states) would not be consistent with program guidelines (at least as long as marijuana use is not Federally legal).
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 "Diamond" and "Diamond 5" 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: 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.
Your coverage begins as soon as you sign up and your monthly contribution has been paid.
Maternity/Pregnancy is only eligible for Reference-Based Pricing. The allowed amount is the members responsibility. This is in effect for all members regardless of effective date.
You will send an email to firstname.lastname@example.org requesting to cancel your membership. An electronic PandaDoc document will be sent to your email for you to fill out and send back. Please allow 3-5 business days for the process to complete.
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:
“What is a pre-existing condition?”
A pre-existing condition is any condition that you had prior to your requested effective date of your Medical Cost Sharing Membership
“Do you accept pre-existing conditions?”
Yes, all pre-existing conditions are ran through our Reference-Based Pricing system.
MCS is happy to announce an upgrade to what was the graded benefit plan.
We have eliminated the pre-existing graded benefits of $15,000 first year, $30,000 second year, and $45,000 third year. To best serve our membership in general, we have adopted a new policy. We are introducing the new pre-existing condition program that becomes effective on 08/01/2020.
The new program works as follows. Under the new unlimited plan, the caps have been removed. We will now, from dollar one, run claims on pre-existing conditions for any amount. Even if it is for multiple issues or for multiple occurrences. Whatever the discounted amount turns out to be, it will be the members responsibility, but the annual caps have been removed.
Our Team feels this will be a tremendous asset and benefit to our members with pre-existing conditions. The savings under our Reference-Based Pricing is generally in the 75% range. Eliminating the caps should address concerns about larger claims. This will assist both the member and the provider in determining the amount owed to the provider.
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.
Refunds will be pro-rated based on unearned contribution.
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.
Also, the personal responsibility for an ambulance will be $1000.00 in addition to your annual plan personal responsibility.
Seeing a specialist without prior authorization is not 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.
MCS utilizes Reference-Based Pricing, the most recognized payment platform in the industry.
It is always the members responsibility to verify that any provider or facility accepts Reference-Based Pricing as payment in full prior to service.