Welcome to Medical Cost Sharing Inc. Many people just call us “MCS”for short. Most people that come to our website are looking for some way to solve the financial pain that has been caused by traditional health care. Others have completely lost their health care coverage because the company they work for can no longer afford to offer health benefits to their employees. Still another group of our visitors just don’t like the idea of ObamaCare being shoved at them by the government. Every person that we have talked to has seen their health insurance rates skyrocket in the last several years. No matter the reason, we are sure that the medical insurance industry has rocked your financial world in 2018 again, and of course not in a good way. We have given this out of control cost for health care a name…we call this the Health Insurance Bubble. It’s real and you get to watch it crush the average working American
Fortunately, we offer a Christian health insurance alternative that WILL save you 40% to 60% over traditional health insurance. We are NOT a health insurance company. We are a Missouri based NON PROFIT corporation. We are a legal alternative to ObamaCare.
What Sets Us Apart From Other Christian Based Medical Cost Sharing Programs
This exciting area is where we stand head and shoulders above other companies offering Christian health insurance alternatives. We are the leaders. We are the innovators that others are following.
Here are three unbelievable benefits included at no addition charge for all our members. No other company even comes close to providing these benefits. Please read about our Return Of Contribution Benefit, our Vanishing Personal Responsibility Benefit and our time saving and money saving TeleMedicine Benefit.
Would you like your money back if you stay healthy? Our Return Of Contribution “ROC” program is one of the HUGE advantages we have over other Christian based medical cost sharing programs. READ MORE ABOUT OUR “ROC” BENEFIT.
Interested in saving more money on your health care costs? We will reduce your personal responsibility (like a deductible in traditional insurance) costs by $100 dollars for each year you are a member at M.C.S. READ MORE
Imagine being able to talk with a licensed, board certified physician 24/7 without having to schedule and pay for an office visit! Find out more about this incredible benefit by clicking here: Medical Cost Sharing TeleMedicine Benefit
We are a Missouri based not for profit faith based corporation. We are not an insurance company; we are a group of like minded faith based individuals who share each other’s healthcare costs. Compared to ‘traditional’ medical insurance our plans usually cost you 40% to 60% less.
While we are NOT an insurance company, many think of us as Christian Health Insurance, or Christian Medical Insurance because, like conventional insurance plans, we help you pay your healthcare costs. But unlike these corporate, profit based plans, we are a healthcare sharing ministry. We offer approved Christian Medical Sharing alternatives to traditional health insurance and the Affordable Healthcare Act (ACA), commonly known as Obamacare.
|Company||Christian Health Insurance||Non-Profit Corporation||Christian Based||ACA Compliant|
|Medical Cost Sharing||No||Yes||Yes||Yes|
|Blue Cross Blue Shield||No||No||No||Yes|
|HealthCare.gov – Obamacare||No||No||No||Yes|
Our Standard And Bridge Plans
Medical Cost Sharing Inc. offers plans in two areas: our Standard Plan and our Bridge Plan. Our Standard Plan is the core of our program, offering medical cost sharing for individuals, families and businesses. These plans can be tailored to meet your personal needs by offering options in the following areas- Monthly Contributions, Yearly Personal Responsibilty, Membership Limits, and Lifetime Benefits.
Additionally, we offer our Bridge Plan that functions in exactly the same way as our Standard Plan, but is used in two special situations:
1. The New Employee Bridge Program is a transitional/ gap plan designed to help a new employee obtain coverage while they are waiting to qualify for a company’s group health plan. Please find out more about the new employee bridge program by clicking here New Employee Bridge Program.
2. Our Pre-Medicare Bridge Program is for those between the ages of 64 and 65 who are still on a traditional health insurance plan but are interested in coverage that bridges their healthcare protection until their Medicare coverage begins. It is designed to be used for 2 to 12 months of transitional coverage. Please find out more about the our pre-medicare bridge program by clicking here Pre-Medicare Bridge Program.
With these options available we know that MCS offers plans that can serve your needs! Our plans are cutting edge and outshine other not-for-profit plans. Compare our plans to others by clicking here. Medical Cost Sharing Cost Comparison.
Christian Medical Cost Sharing
Hebrews 13:16 ‘ Do not neglect to do good and to share what you have, for such sacrifices are pleasing to God’.
As many as 2.6 million families lost their chosen health insurance plan in 2013, since many of their plans didn’t meet standards required by the Affordable Care Act, also known as Obamacare. The law requires you to purchase an ACA-approved plan or pay a fine. Many individuals and families are finding these plans are unaffordable with premiums and deductibles much higher than before the ACA was enacted. It seems like Pandora’s Box has been opened wide…
What many people don’t know is that the ACA does offer a fully legal and legislated alternative opportunity for health care- The Health Care Sharing Ministry!
This is where we come in- Medical Cost Sharing Inc. offers plans that dramatically reduce healthcare cost, offer much lower monthly premiums and better protection.
Our program is a faith based voluntary cost sharing ministry. We are not an insurance company- we are a group of liked- minded Christians who share each other’s healthcare costs.
If you’ve shopped around you know that we are not the only Health Care Sharing Ministry- but we are the only one have added special benefits such as ROC-Return of Contribution, VPR- Vanishing Personal Contribution, and Preventative Care.
We invite you to compare what we offer to the other programs and we know you will join us in our ministry.
- The most up-to-date information for NEW and EXISTING members will always be listed on this website.
- A pre-existing condition is any condition that you had prior to your requested effective date of your Medical Cost Sharing Membership. Please see item 22 on our FAQ page for more information.