Our Plans

Our plans offer tailor-made medical cost-sharing to individuals, families, and businesses. Please note that our plans are only available to people in the United States. MCS recommends you obtain Traveler’s Insurance before leaving the United States.

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.

Most Christian Healthcare Ministries monthly contributions (monthly shares) amounts depend on your age, but in the case of Medical Cost Sharing, we have decided that your monthly contribution is the same regardless of your age. Our community is strong, and every one of us - whether young or old - has the same benefits and rights as everyone else who's on the same plan. Our monthly contribution's structure depends only on the plan of choice, and the total number of members being enrolled under one application.

Premier

THE WISE HEALTH CARD

Starting $65/month

Benefits

Access to our premium Reference-Based Pricing (RBP) feature (learn more)

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Monthly Cost

$65/mo

Diamond

Starting $150/month

Benefits

Premier Benefits Included

PLUS

No waiting period for pre-existing conditions

  • $10,000 Personal Responsibility (PR)
  • For families: Maximum two PR per calendar year

Membership Limit: $50,000 per incident

Maximum Sharing Benefits Eligible

Maximum Lifetime Benefit: $2,000,000

Monthly Share

Monthly Contribution
$150/mo

* The monthly contribution is the amount that you will be charged every month to maintain your membership.

Diamond 5

Starting $250/month

Benefits

Premier Benefits Included

PLUS

No waiting period for pre-existing conditions

  • $5,000 Personal Responsibility (PR)
  • For families: Maximum two PR per calendar year

Membership Limit: $50,000 per incident

Maximum Sharing Benefits Eligible

Maximum Lifetime Benefit: $2,000,000

Monthly Share

Monthly Contribution
$250/mo

* The monthly contribution is the amount that you will be charged every month to maintain your membership.

We couldn't say it better than our members

"I signed up with MCS. I am very healthy with no pre-existing health problems and take no prescription medications. I used the Telemedicine benefit when I got a sinus infection recently and the online Doctor called in a prescription for an antibiotic to my local pharmacy! This is a great deal!"

Blanche Zukowski

Blanche Zukowski

"I researched medical cost sharing very carefully and decided to join last August and have enjoyed the savings. I have found the ministry staff to be friendly and easy to work with. If you are taking lots of prescription medications and are not healthy, then you may be better off on an Obamacare plan. If you are a healthy Christian though, this is a great choice."

Maureen Portillo

Maureen Portillo

"My family is so blessed to have found MCS. We love the telemedicine benefit and the two times that we needed to go to a Doctor locally have found great ones to use in our area."

Brian Premo

Brian Premo

"I have been a member of MCS Medical Cost Sharing for more than a year now and recommend them to my friends at church."

Maria Hansel

Maria Hansel

"MCS Medical Cost Sharing has been a great blessing in my life."

Sharon Miller

Sharon Miller

"I am saving $272 per month and lowered my annual out of pocket expense from $6000 to $1000. This is a no brainer."

Molly Pankey

Molly Pankey

"I found Medical Cost Sharing through their website and checked them out very carefully. They are smaller than some of the other health sharing ministries but saw they were offering benefits that the others were not and decided to join. I have had no problems with them at all and have enjoyed saving lots of money over my ObamaCare plan!"

Ada Waldron

Ada Waldron

"I was a bit hesitant about joining Medical Cost Sharing at first because I read some negative information online, but talked to a few people that were members and also talked with a health insurance agent friend of the family and they had good things to say, so here I am and all has been great."

Justin Rudd

Justin Rudd

"I have been a member of Medical Cost Sharing for three years now. They have been great to work with. I have saved several thousand dollars on my health care costs compared to my old Blue Cross plan."

Janet Strouse

Janet Strouse

Frequently Asked Questions

What is a "Monthly Contribution"?

Medical Cost Sharing, Inc. is a 501 C3 non-profit faith-based corporation. All members of our ministry require to pay a "Monthly Contribution". The monthly contributions are collected from all members every month and are used to support those members who get sick or injured by paying their medical bills.

How does MCS pricing work?

We currently support three membership plans (Premier, Diamond and Diamond 5). Your monthly contribution is determined based on your plan of choice and the total members being enrolled in your application. Please refer to the "Our Plans" table at the top of this page for more details.

Who is eligible for Medical Cost Sharing?

There are no restrictions with the exception that this is only for people under 65 years of age and 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.

What forms of payment do you accept?

Medical Cost Sharing, Inc. partners with Stripe to provide secure invoicing and payments processing. All major credit/debit cards are accepted.

Do you offer discounts for charities?

Yes we do! Send our support team a message with your information and, if you’re eligible, we’ll set you up.

How secure is your site?

We use SSL encryption so your application will be securely transmitted to our servers, and payment processing is secured by Stripe. Protecting the data you trust to MCS is our first priority, and we will never sell your data to third parties. You can be sure that, with MCS, your private data stays private.