Our services · Gothenburg, Nebraska
Medi-Share and Medi-Share 65+
Christian health care sharing, under and over sixty-five
A Christian approach to sharing eligible medical expenses. We help you understand how it works, what it covers, and whether it fits your household and financial priorities.
Medi-Share
For households under sixty-five. A faith-based approach to sharing eligible medical expenses, offering an alternative to traditional individual and family health insurance that has no open enrollment window to wait for.
Medi-Share 65+
For members on Medicare. Medi-Share 65+ works alongside Medicare rather than replacing it, sharing eligible medical expenses that Medicare doesn’t cover. It offers an alternative to traditional Medicare Supplement coverage for households who want to share health care costs with other believers.
For some families, health care sharing may make sense. For others, traditional coverage may be a better fit. We’ll help you understand the differences so you can choose with confidence.
Frequently Asked Questions
Is Medi-Share insurance?
No. Medi-Share is a Christian health care sharing ministry, not health insurance. Members contribute toward eligible medical expenses of other members according to the program’s guidelines. Unlike insurance, Medi-Share does not guarantee payment of medical bills.
Who can join Medi-Share?
Medi-Share membership includes agreeing to a Christian statement of faith and following the program’s membership guidelines, including its lifestyle requirements. Eligibility and membership requirements can change, so current requirements are available directly from Medi-Share.
Is there an open enrollment period?
No. Medi-Share does not have an annual Open Enrollment Period like Marketplace health insurance. Eligible households can generally apply throughout the year, subject to the program’s current membership requirements.
How does Medi-Share 65+ work with Medicare?
Medi-Share 65+ is designed to work alongside Medicare rather than replace it. Medicare remains primary, while Medi-Share 65+ may provide sharing for eligible medical expenses according to the program’s guidelines. It is an alternative to a traditional Medicare Supplement, so the benefits, requirements, and protections are different.
How do I know if health care sharing is right for my family?
There isn’t one right choice for every household. Your health care needs, budget, priorities, and comfort with the program’s guidelines all matter. We can help you compare health care sharing with traditional insurance so you can understand the differences and make an informed decision.
From the Resources library
From The Legacy Letter
Not sure which of these you need?
That is the normal place to start. Tell us what you need protecting and we will work out the rest together.
Contact
Spencer Legacy Insurance is an independent, faith-based insurance agency at 828 Lake Avenue Suite C in Gothenburg, in central Nebraska. Independent since 2004, we help families, farms, and businesses with life insurance, health insurance, Medi-Share, Medicare, annuities, long-term care, and the Infinite Banking Concept.
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