Medi-Share 65+ Health Sharing Plan Self Enroll

Enrolling in Medi-Share 65+ health sharing plan is so easy and straightforward you can do it yourself in minutes.

If you are ready for an innovative approach to healthcare that will save you money while still providing robust protection against the high cost of healthcare in retirement, without overpaying in premiums, Medi-Share 65+ is a compelling option.

Skip the Extras. Take me directly to the Self-Enrollment link!

This blog will explore why Medi-Share 65 works so well, some of the mechanics of the plan, and how this money-saving, affordable non-insurance alternative to traditional Medicare Supplement Insurance products works.

If you’ve already researched Medi-Share 65+ and you’re confident health sharing is the right approach for you, feel free to scroll directly to the enrollment instructions below!

How Does Medi-Share 65+ Work?

Medi-Share 65+ is a comprehensive health sharing plan tailored for Medicare recipients, offering a straightforward alternative to conventional Medicare enrollment.

It’s not an insurance product. Instead, health sharing plans like Medi-Share 65+ are non-profit, voluntary associations of health-conscious, like-minded individuals who have come together to help share one another’s medical bills via cost-sharing.

Cost Sharing Structure

With Medi-Share 65+, you are responsible for the first $500 per household in costs for services approved but not paid under Medicare Parts A and B.

After you cover the first $500, Medi-Share picks up 100% of the rest of those costs.

You pay no further deductibles, copays, or coinsurance for anything approved under Medicare Parts A or B.

This is very similar to Medigap Plan G, which pays everything under Parts A and B except for your Part B deductible, which as of 2024 is $240 per individual, not per household.

For most people, Medi-Share 65+ offers similar cost-sharing power but at a significantly lower monthly cost compared to Medigap Plan G:

As of 2024, Medi-Share 65+ costs just $99 for those aged 65-74, and $150 for those aged 75 and older.

Low Out-of-Pocket Maximums Compared to Medicare Advantage

It also has much lower maximum out-of-pocket cost exposure compared to most Medicare Advantage plans, which unlike Medigap Plan G and Medi-Share 65+ can leave you facing thousands of dollars in potential out-of-pocket costs each year.

As of 2024, the out-of-pocket maximum for Medicare Advantage plans is $8,850 for approved services, though individual plans may set lower MOOPs. These plans will tend to have higher premiums.

Max Out-of-Pocket Exposure by Plan (2024)

Plan	Max Out-of-Pocket/Year
Medi-Share 65+	$500 per household
Medigap Plan G	$240 per individual (Part B Deductible)
Medicare Advantage	Varies, but up to $8,850

Note: Most Medicare Advantage plans, but not all, include Medicare Part D prescription drug coverage. Neither Medigap nor Medi-Share 65+ include prescription drug coverage. Most people in these plans purchase a separate, standalone Medicare Part D plan.

Click here to learn more about Medicare Part D Prescription drug plans, or enroll.

Get a Free Medicare Supplement Quote

Why you should enroll

Medi-Share 65+ has many benefits and enrollment is easy. Here’s how Medi-Share works to offer comprehensive healthcare services at a low cost:

Saves Money, Limits Costs.

Enrolling in Medi-Share 65+ offers significant savings compared to other plans.
Efficiently limits costs, especially compared to Medicare Advantage (MA) with higher Maximum Out-of-Pocket (MOOP) expenses.
Ensures comprehensive health plan without a hefty financial burden.

Saves Money Compared to Plan G.

Medi-Share 65+ saves monthly premiums compared to Medigap Plan G and most other comprehensive Medigap plans.
Ensures robust sharing benefits while keeping more money in your pocket.

Everything approved but not paid under Medicare Parts A and B (except the first $500 per household) qualifies for sharing.

Medi-Share pays all costs (deductibles, copays, and coinsurance) under Medicare Parts A and B, with the only exception being the first $500 per household per year.
Medi-Share 65+ensures access to a broad spectrum of medical services without major out-of-pocket concerns.

Price Lock-in until Age 75:

Offers stability by locking in pricing until age 75.
Provides peace of mind and predictability in healthcare costs, allowing effective budget planning and eliminating uncertainty associated with fluctuating healthcare expenses.

No Pre-existing Clause if You Join When First Eligible:

Joining when first eligible eliminates a pre-existing condition clause.
You will be approved regardless of medical condition or history, as long as you enroll during your initial Medicare enrollment period.

Pre-existing Condition Clause of 6 Months, Not 4 Years:

Even if you miss the initial enrollment window, the pre-existing condition clause for Medi-Share 65+ is only 6 months.
Pre-existing condition waiting periods are also waived if you sign up during Medicare Open Enrollment.

Medi-Share 65+ Self-Enrollment Instructions

Enrolling in Medi-Share 65+ is easy – and takes just minutes.

Here’s how to sign up:

First, gather your Medicare enrollment letter or your Medicare card. You’ll need your Medicare card number from these documents.

Then, once you’ve got them in hand, come back to the computer, and follow these steps:

Click the enrollment link here, and answer some basic contact information.
Click “I’m not a robot,” and submit.
On the next page, click the date on which you want your Medi-Share 65+ membership to become effective. You have a choice of three dates across the top.
Enter your state of residence, zip code, marital status, and date of birth of the oldest person enrolling on your application.
Enter the number of people applying in your household.
Click “See Pricing.” If the birthday you entered puts you or the oldest applicant at age 65 or older, the next page will give you pricing for the Medi-Share 65+ plan.
Click “Select.”
Enter the primary applicant’s identifying information.
Click “Onward.”
Enter your address information.
Click “Save and Continue.”
The next page will ask you if you are enrolled in a Medicare Advantage or Medigap plan, or if you plan to be when your Medi-Share plan becomes effective.
To join Medi-Share 65+, you must click “No.” You only need one of these plans. You cannot join Medi-Share 65+ at the same time you’re enrolled in either Medicare Advantage or Medigap. If you’re transitioning from either plan to Medi-Share 65+, you must cancel your old plan when your Medi-Share 65+ plan becomes effective.
Enter your 11-digit Medicare number from your Medicare card or benefits verification letter.
Enter your Medicare Part B start date, using the drop-down menu.
Enter your Medicare
Click “Continue.”
Answer the remaining questions as prompted.
Select a payment method
Proceed as you would with any other online purchase: Enter your billing/purchase information as directed.
Verify your payment went through and confirm the effective start date.

Once you’ve successfully enrolled, be sure to cancel any other other Medicare Advantage or Medigap insurance as of your Medi-Share 65 Plus effective date.

Get a Free Medicare Advantage Quote

Need Help?

If you have any questions or hit a glitch on your application, call us at MediGap Advisors, or make an appointment with a Personal Benefits Manager.

Don’t wait! Join the Medi-Share community today and see why so many people are making the switch from conventional Medicare plans to Medi-Share 65+.

Medi-Share Reviews

You can view existing Medi-Share 65+ reviews and type in your own reviews by clicking here, and scrolling down.

Here are few more blogs for further reading: Does Medi-Share 65+ Pay When Traveling Outside the United States? | The Less Expensive Medicare Supplement Alternative: Medi-Share 65+ | The Medi-Share 65+ Health Sharing Plan or Medigap Plan G: Which is Better?

Tom Lockwood

Tom Lockwood is a Personal Benefits Manager at MediGap Advisors. Tom has a passion for bringing clarity to those confused about Medicare. He is an authority on Medicare, Medicare supplement plans, Medicare Advantage plans, and Part D prescription drug plans. Read more about Tom on his Bio page.