Alternative healthcare plans require comparing medical cost sharing with comprehensive insurance. Redirect Health administers an individual/family medical cost-sharing program through Newpath Medical Inc.; that program is not insurance. The company also describes different employer plan arrangements, including self-funded plans. Confirm which product is being offered and its actual documents. Before choosing a provider nationwide, confirm acceptance, authorization and payment arrangements. For medical cost sharing, payment is not guaranteed and eligible expenses may be limited. Review the membership guide, exclusions, member responsibility and unpaid-bill risk before joining.
MediShare is a faith-based health care sharing ministry designed primarily for individuals and families. Members contribute a monthly “share” and have an annual household portion similar to a deductible. Eligible medical bills are shared among members, aligning costs with a religious community’sshared values. Membership requires adherence to Christian lifestyle guidelines and may not be right for everyone.
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