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<blockquote data-quote="alank2" data-source="post: 3184733" data-attributes="member: 108"><p>I did some research on Medishare and it is really designed for &quot;healthy&quot; people in that they have something like a 2 year waiting period for any pre-existing conditions.&nbsp; The key being that anything you have been treated for in the last X years as a pre-existing condition will be excluded from sharing for that waiting period.&nbsp; That was trouble right off the bat, but even worse is that they can decide whether to share or not share your medical expenses for various reasons.&nbsp; They come on the radio making it sound so great because in their example, they &quot;shared&#039; a 150K bill of the guy on the commercial, but what they don&#039;t tell you is that they don&#039;t technically have to do that for various reasons.&nbsp; One of them as I recall was that they had real touchy out of network or away from your usual doctor restrictions.&nbsp; If you go on a vacation and rack up a huge medical bill, they may not cover it.&nbsp; In the end, I felt that as they can&#039;t be relied upon in various situations, it doesn&#039;t matter that you are saving over traditional insurance plans because at least those plans cover you under a wide variety of conditions.</p></blockquote><p></p>

[QUOTE="alank2, post: 3184733, member: 108"] I did some research on Medishare and it is really designed for "healthy" people in that they have something like a 2 year waiting period for any pre-existing conditions. The key being that anything you have been treated for in the last X years as a pre-existing condition will be excluded from sharing for that waiting period. That was trouble right off the bat, but even worse is that they can decide whether to share or not share your medical expenses for various reasons. They come on the radio making it sound so great because in their example, they "shared' a 150K bill of the guy on the commercial, but what they don't tell you is that they don't technically have to do that for various reasons. One of them as I recall was that they had real touchy out of network or away from your usual doctor restrictions. If you go on a vacation and rack up a huge medical bill, they may not cover it. In the end, I felt that as they can't be relied upon in various situations, it doesn't matter that you are saving over traditional insurance plans because at least those plans cover you under a wide variety of conditions. [/QUOTE]

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