Complaints

This profile includes complaints for Christian Care Ministry, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Christian Care Ministry, Inc.

  4150 W Eau Gallie Blvd Melbourne, FL 32934-7202

• 

  Christian Care Ministry, Inc.

  PO Box 674 Sterling, IL 61081-0674

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/30/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In August I notified Medi-Share that I was going on ******** in September and that I was cancelling them. I didn't cancel my bank from auto paying them and accidently paid them $390 on August 18th. When I called Medi-Share on Friday August 22nd to get reimbursed they said they would mail a check, and it would take 30 days. I was given a reference #********. After 29 days and not receiving a check, I called to find out status of reimbursement. This was on Friday September 19. After spending over 45 minutes on the phone I was told I would receive a check in 5 business days. That was 7 business days ago and still no check. I want my money back they have had since August to pay me, tomorrow is October 1st.

  Business Response

  Date: 10/07/2025

  Medi-Share regrets any confusion surrounding your refund check. Your refund check has been issued and received, and Medi-Share will be closing your case. If you have any future questions or comments, please reach out to the individual who assisted with your case. Thank you very much for your time as a Medi-Share member. Your membership was a blessing to many.  

• Initial Complaint

  Date:09/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Complaint Against Medishare I have been a Medishare member since 2017. For years, my family did not rely heavily on the program, but in 2024 we faced significant medical needs after two of my children suffered injuries requiring emergency care. Unfortunately, Medishare failed to fulfill its obligations in processing our bills and providing fair credit toward our Annual Household Portion (AHP).I submitted bills promptly using Medishares required paper process. I was told they would be processed in 60 days, then 90 days, but the delays stretched to 10 months with no proactive updates from Medishare. During this time, I received repeated threats from providers to send my family to collections.Medishare switched to an online submission system but never notified me, preventing faster processing.When bills were finally reviewed, Medishare applied First Health discounts that providers were not obligated to honor. As a result, I paid thousands of dollars out of pocket to keep accounts current, yet ********************** only credited a fraction toward my AHP. For example, a $3,100 bill I negotiated down to $1,800 was credited only $628.I have spent over 80 hours trying to resolve these issues and have only been told to resubmit billsan unreasonable burden for any member.Adding to the harm, Medishare recently announced midyear premium increases, new fees for telehealth, higher provider fees, and reduced benefits. This reflects a pattern of practices that are deceptive, exploitative, and harmful to consumers.I request full and fair credit for my actual out-of-pocket payments toward my AHP, timely resolution of outstanding claims, and a review of Medishares billing practices.

  Business Response

  Date: 09/23/2025

  ********, Medi-Share regrets any frustration you have experienced in getting your charges processed. When medical charges are submitted on industry-standardized billing forms (a HCFA or a UB04), charges are processed relatively quickly, in about three weeks. Without these forms,when only receipts or provider invoices are submitted, it takes longer to create bills as the process becomes manual rather than automated. Medi-Share has been working with your providers to obtain the required information to process the charges that have been submitted. Each Medi-Share household has an Annual Household Portion (or AHP, which is similar to a deductible) that must be met before members share in any eligible bills.  The recent share increase accounts for rising healthcare costs and will enable continued medical bill sharing among members. Medi-Share will continue to update you as bills are processed. In the meantime, please reach out to the individual assigned to your case with any questions or comments. Thank you very much.
  

• Initial Complaint

  Date:08/14/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Submitted a bill reimbursement for wellness visits for my children. Requested processing time since it has been a month now and it has not been reviewed. Received this email stating we won't be eligible for a reimbursement cause wellness visits aren't covered even though I was assured by multiple agents that it was. Wellness visit bills for minors under 6 need to be reimbursed within a reasonable time.

  Business Response

  Date: 08/26/2025

  Medi-Share regrets any misunderstanding regarding the processing of your childrens medical expenses. As per Medi-Shares member-voted guidelines, well-child care visits are eligible for sharing until the child reaches the age of six. However, before eligible expenses can be shared by Medi-Share members, charges are to be received on industry-standardized medical billing forms, and the Annual Household Portion, which is similar to a deductible, must be met. Please reach out to the individual assigned to your case with any questions or comments. Thank you very much. 
  
  

• Initial Complaint

  Date:05/31/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had been a member of Medishare since 2019. I opted for the lowest AHP because I am healthy and do not see doctors much throughout the year, except for well-checks. But in October of 2023, I had an unexpected pregnancy while I had an IUD in for 6 years prior (plus I was 41 at the time). This pregnancy was a shock, to say the least. But a month after my confirmed pregnancy, I suffered a miscarriage. I had an ER visit, follow-up visits with my OB, then had to have surgery the following February for a uterine polyp removal. I had to pay ALL these bills out of pocket, which was a huge expense, but to make things worse, I am still receiving bills for these doctor's visits ***** months after the initial visit. I chose to cancel my membership at the end of 2024 due to my many frustrations. I had called them multiple times to talk through my situation, and they were not helpful/empathetic. On top of grieving the loss of my pregnancy, I had the burden of all these bills. I filled out a survey after I ended my coverage with them and got a call back a little later from a manager who had read my story. He apologized and said to call him if I wanted to talk through things later. I kept his number just in case, and called back the end of April 2025 when I got a bill from October 2023. He never called me back, and I just received another bill from my surgery in February of 2024. Their processing department is insanely slow, I can't believe I am still receiving bills from this. I want to be done grieving, but every time I receive a new bill in the mail, the old feelings come back. I was a big fan initially of this company, but I am hugely disappointed with the way they handle situations like mine. I was a *****% statistic with what happened, and felt alone in the way Medishare handled my bills.

  Business Response

  Date: 06/13/2025

  Medi-Share regrets your frustration over the processing of your medical bills. Your bills were processed following Medi-Shares published, member-voted guidelines, with eligible amounts being applied to your Annual Household Portion (or ***, similar to a deductible). The *** must be met before any eligible bills can be shared by the members. The specialist assigned to your case remains available for additional questions or comments. Thank you for choosing Medi-Share.
  

  Customer Answer

  Date: 06/13/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:05/28/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I began using Medi-Share at the start of the year and submitted my first medical bill for reimbursement on January 22, 2025. As of todayover four months laterthis bill has still not been processed. This exceeds Medi-Shares own published 60-day timeline for processing reimbursements.I have followed up multiple times via email and have attempted to speak with someone by phone, but Ive consistently received unhelpful responses or no response at all. The communication has been poor, vague, and often fails to address the actual questions Ive asked. Despite my efforts to resolve this matter, I have not been given a clear explanation for the delay or a timeline for resolution.This has created financial strain and deep frustration, as Ive upheld my end of the agreement by submitting eligible expenses and paying monthly premiums. I was refunded one months premium, but that is insufficient given the length of the delay and the lack of service Ive received. I no longer have confidence in Medi-Shares ability to meet its obligations or serve its members ethically.I am requesting a full refund of all premiums paid to date, as I do not believe the services promised were provided. While Medi-Share was willing to refund one month, I believe this is unsufficient given they did not uphold their end of stated agreements. If not resolved promptly, I am prepared to pursue additional formal complaints and legal avenues.

  Business Response

  Date: 06/05/2025

  Medi-Share apologizes for the frustration you experienced in submitting your medical bill for sharing and the associated processing time.  Note that the bill processing is complete and you can review the Explanation of Sharing (***) in the Medi-Share ************* website. The *** contains the result of the request for sharing of the medical bill, in addition to any individual responsibility amount per your selection at the time of membership application.  In addition, your withdrawal request has been processed and one months monthly share has been refunded. Again, we apologize for any unclear or frustrating experience.  Please contact Medi-Share *************** with any questions or comments.
  

• Initial Complaint

  Date:04/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been working with Medi Share trying to get an emergency room bill paid for over 4 months. Each time I call, there is a different reason for things not being processed, and each time we request another step it is another 7 days, etc, etc.

  Business Response

  Date: 05/05/2025

  Medi-Share regrets any delays encountered in getting your pre-existing review completed. The review has been concluded and the related bills will be processed in accordance with Medi-Shares member-voted guidelines. Please reach out to the individual assigned to your case with any questions or comments. Thank you. 

• Initial Complaint

  Date:03/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I enrolled with MediShare, ****** explained the distance penalty waiver process due to the lack of in network providers within 25 miles of where I lived. I was told the ***** would reflect that I was responsible for all over the usual and customary charges initially, but that I was to call and request to file distance penalty waivers for out-of-network providers due to my location. She explained this was a normal process that occurred often and should not be a problem after she looked up providers in my area. After submitting bills for a 6/16/23 surgery, I requested this waiver. Despite repeated calls/emails and providing updated bills as requested by Medishare, only one distance penalty waiver was processed and paid. Two other bills for the SAME surgery, on the SAME date, at the SAME facility remain unpaid and show that I am still responsible for the over the usual and customary charges: BILL #*********** (ref #*******, $3892.60) and BILL #*********** (ref #*******, $2530.50), totaling $6,422.00. I've faced months of delays, despite following their process and patiently inquiring month after month. My last request was made via email in 1/2025. The response was that one bill/waiver was still "processing" while the other had been processed correctly without payment. Why was one waiver approved, but not the other two for the SAME service/providers on the SAME date at the SAME facility? I seek resolution and payment of the total charges of $6,422.00. I am requesting that Medishare make this right by honoring their word and policies as explained to me upon enrollment. I followed all procedures and protocols promptly as instructed and still have not received any resolution on this matter.

  Business Response

  Date: 04/04/2025

  Medi-Share regrets the difficulty experienced in getting your Penalty Waivers processed. The requested Penalty Waivers have been processed and we appreciate your patience as we worked to complete your bill processing. Please reach out to the individual assigned to your case with any questions or comments. Thank you very much. 

• Initial Complaint

  Date:03/24/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Unfortunately in the fall of 24 I required hospitalization and emergency surgery to remove a ruptured appendix. After my being released by the hospital I suffered a further complication with an infection both in my abdomen and in the wound from the surgery returning me to the hospital. Being in a small community with limited medical services this necessitated moving me to a larger hospital 120 miles from home. While there I received excellent care from different doctors and specialists, including interventional radiology and infectious disease doctors. Thankfully the doctors were able to curb my infection and get me out of the hospital in 4 or 5 days. At this point I was able to leave the hospital and go home, but had to continue treatment from my infectious disease doctor with IV antibiotics daily for a couple weeks, and a follow up CT scan with my interventional radiologist to make sure the abscess had abated so they could remove my pic line and drain line. Here's where the problem comes in, Medi-Share seems to think that once out of the hospital, I should have abandoned my treating physicians who literally saved my life, and found an "in network" provider for these follow up treatments. This makes little or no sense to any sound thinking person, but they are absolutely unwilling to budge even though there is no doctor in network within a 100+ miles of my home that specializes in either of these two fields. As well I have filed all possible penalty waivers and had multiple conversations with Medi-Share regarding this and they refuse to help. Absolutely nothing about this makes sense, is ethically acceptable, let alone Christian. They say they're "not insurance" but they certainly operate like any health insurance provider I have ever dealt with. I am seeking that Medi-Share pay the balance bill owed to both of the providers and honor their commitment.

  Business Response

  Date: 04/03/2025

  Medi-Share regrets any difficulty you may have encountered in having your bills processed. Medical bills are always processed based on Medi-Shares member-voted guidelines and, after reconsideration, your bills have been shared. If you have any questions or comments, please contact the individual assigned to your case.Thank you for the opportunity to assist in resolving your concerns.
  
  

  Customer Answer

  Date: 04/03/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:03/02/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We have been members of medishare for just shy of 3 years my wifes knee gave out on her so we went to a orthopedic doctor and after exrays and examinations he said her knees needed to be replaced after countless calls to medishare they finally said we were all set had the surgery last Monday Saturday received a letter saying they were not going to share the expense of the surgery because it was a preexisting condition and that she had steroid injections in her knee none of which is even remotely true never had knee issues before and never injected

  Business Response

  Date: 03/12/2025

  Thank you for reaching out. To protect your privacy, Medi-Share will not specifically address conditions on public forums. However, its important to note that if a member disagrees with a bill sharing decision, the Medi-Share member-voted guidelines allow members, under certain conditions, to appeal. Please see section XII of the guidelines on Medi-Shares website, ***************************************** for more information. If you wish to appeal a bill sharing decision, either the patient or a *****-authorized representative can initiate the appeal. Please reach out to the representative assigned to your case with any questions or comments. 

• Initial Complaint

  Date:02/13/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, I contacted medishare when my husband lost health insurance coverage for himself and our daughter. Medishare was applied for and coverage started Sept 1, 2024. I have made payments online each month (Sept-Dec) totaling $1050 until my husband and daughter obtained health insurance coverage elsewhere. I called the same representative (**** ********) that signed them up to let him know I needed to cancel in December. After several attempts to contact him with no answer, I left a voicemail stating that i needed to cancel and be billed no longer. He never once called back, but instead I found out he retired my name off the account so I could no longer discuss the account with any other representative. I (*******) am the one who started this account for my husband and daughter. When I open the app, it says "Welcome, *******" at the top. But I cannot cancel? My husband (*****) has now emailed them requesting cancelation and bill adjustment. It now says balance due is $********* family hasn't used a single ***** of this so called coverage and just want to cancel and have no balance due. They claim to be a Christian based ministry but lie and deceive to continue getting as much money as they can out of you. Please cancel this account and remove the balance due as you had been notified before any account balance had accrued.

  Customer Answer

  Date: 02/17/2025

  Medishare has decided to resolve this problem.  They have canceled and removed all charges as of today. Email sent to me confirming cancelation was 01/01/2025. No further dispute. 

  Business Response

  Date: 02/19/2025

  Medi-Share apologizes for any difficulties you encountered in cancelling your familys membership. We thank you for bringing this matter to our attention. The membership has been canceled with no amount due. If you have any future questions or comments, please contact *************** at ************. Thank you very much.

  Customer Answer

  Date: 02/19/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******