If you have SiriusXM, you've certainly heard ads for Medishare and you probably already know what I mean when I say they are among the cringiest commercials we've ever heard.
The guy in the ad has this bland smiling cadence to his voice that just screams Youth Pastor as he tells us how much people just loooove Medishare- not because it saves customers "hundreds of dollars a month, on average three hundred dollars a month" but because it's a "community" of people with "Christian Values" who, when you call, will "offer to pray with you." (Personally, if I call an insurance company to ask a question about health coverage, or to file a claim, or to dispute a rejected claim, and am asked if I want people to pray for me, I know I'm totally screwed.)
It sounds like Medishare is fine as long as your doctor is In Network and a real hassle if he isn't- which is exactly like all other insurance works. Except, I'm willing to bet serious money that relatively very few doctors are In Network when it comes to Medishare. I may be wrong, but considering that I've never met anyone who has Medishare and I've never seen Medishare listed as a health insurance accepted by any doctor I've ever been to...yeah, actually I don't think I'm wrong.
And again- "when you call, we'll offer to pray with you..." Such a red flag. I can pray for myself. I don't want my mechanic to offer to pray over my car. If I'm in a plane I don't want to the pilots to pray during severe turbulence. And I don't want my health insurance to "pray for me." I want Medishare to act like any other insurance company- do their very best to deny coverage whenever possible and bury me in jargon and red tape when I try to get a bill paid. That I can understand.
