www.chministries.org

I have a self-employed client with 3 kids who really likes it.

Their GOLD plan for me is $150/mo and to add the Brother's Keeper unlimited coverage rider is another $40 per household.  That's wayyyyy cheaper than my current health insurance plan

Thoughts?

in....
 

like picking a plumber in the telephone book with a fish symbol

From their website: To be CHM members, participating adults must be Christians living by biblical principles, including abstaining from the use of tobacco and the illegal use of drugs (1 Corinthians 6:19-20), following biblical teaching on the use of alcohol, and attending group worship regularly if health permits (Hebrews 10:25).

Pre-existing conditions
This information also appears in CHM Guidelines Z and AA

Definition: A pre-existing condition is any medical condition for which you experience signs, symptoms or treatment before joining Christian Healthcare Ministries (CHM), even if you have not been diagnosed. CHM cannot share medical bills incurred before you join the ministry.

Active vs. maintenance: We distinguish between pre-existing conditions in “active” treatment and “maintenance” treatment.

Medical bills cannot be shared if, at the time you join CHM, the bills are for pre-existing conditions that are actively undergoing treatment other than with maintenance (routine) medications. After the incident is over and your doctor states that you are on a maintenance treatment regimen, bills for any new incident related to the pre-existing illness are eligible for sharing according to the information below.

Schedule: If these criteria are met, Gold level members can receive assistance with medical bills for pre-existing conditions according to the following schedule:

In the first year of participation, bills incurred for a pre-existing condition are eligible for sharing up to $15,000.

In the first two years of participation, bills incurred for a pre-existing condition are eligible for sharing up to $25,000 ($15,000 during the first year plus $10,000 during the second year).

In the first three years of participation, bills incurred for a pre-existing condition are eligible for sharing up to $50,000 ($15,000 during the first year plus $10,000 during the second year plus $25,000 during the third year).

After the third year of participation, the condition will no longer be considered pre-existing.

Prayer Page: Bills exceeding the three-year schedule listed above may be eligible to appear on the ministry’s Prayer Page printed in the monthly CHM newsletter. All CHM members are invited and encouraged to give to Prayer Page needs (above regular monthly gifts) as they feel led. Members’ names, addresses, medical need explanation and gift updates are included on the page. Prayer Page contributions are tax-deductible, unlike CHM regular program monthly financial gifts. To learn more about the Prayer Page, call 1-800-791-6225 (ask for the Prayer Page) or send us a message.

Maternity: If a member joins CHM while she is pregnant, bills for that pregnancy cannot be shared through the regular CHM sharing program or through the Prayer Page. Members must have a due date for delivery at least 300 days after joining CHM for bills to be eligible for sharing. Please note: Our Gold program offers a generous maternity program. Silver and Bronze exclude most maternity costs. To learn more about maternity, visit our maternity page.

It's like bizzaro insurance where they don't use the same  terms.

Christian Healthcare Ministries uses a unit system. A unit is a participating individual within a membership. A single person is one unit, a married couple is two units, and a family is three units, regardless of the number of dependent children.

Damn entertaining: 9. Unwed mothers
There are times even in the Christian community that unwed women
become pregnant. Christian Healthcare Ministries members have
agreed not to share medical bills for pregnancies of unwed mothers.
Instead, CHM recognizes that in such circumstances the assistance
needed goes far beyond financial aid. Therefore, we encourage you
to seek help from a compassionate, Christian pregnancy center if
you find yourself in this situation. That agency will be best suited
to address all of your needs—spiritual, emotional, financial, and
physical. You are in our prayers

Scam, and a judgmental one at that.

Fuck these assholes.

Didn't know motorcycles were covered in the Bible:  3. Non-licensed motorized vehicles
CHM can only share medical bills when all safety equipment is worn
properly. A helmet must be worn at all times when operating any
vehicle commonly known as an ATV. ATVs include (but aren’t
limited to) four-wheelers, three-wheelers and motorcycles. Farm
vehicles for which manufacturers don’t recommend a helmet (such as
tractors and Gator-type vehicles) are an exception to this rule

Yet most of them have no problem feeding themselves until they are morbidly obese. Guess they get to pick and choose which principles to live by.



 

Elaborate, please

 

how do you prove that?

125k per illness max unless you opt for the "brother's keeper" option which has unlimited costs "per illness" (why the need per illness when there's no limit ).

Is it a cost sharing system? Try and find a doctor, and a hospital for that matter, that will take the coverage before you buy.

Hope you don't need any expensive drugs to manage conditions:

T. Are prescriptions eligible for
sharing?
1. Gold level
Incident-related (related to the test or procedure performed)
prescription costs are eligible for sharing. (“Incident” is defined in
the Glossary section of these Guidelines.)

2. Silver and Bronze levels
Silver and Bronze do not include provision for any prescription
medication.

3. All sharing levels
Prescriptions used for maintenance treatment cannot be shared by
CHM members (see Guideline P).

you present yourself as "self pay" then you have to submit the bills yourself with a letter of explanation. they then send the reimbursement directly to you.

No offense to anyone, but if I go into a doctor or lawyer and the first thing they do is grab my hand and say "let us pray" I'm outta there.  Especially a defense attorney.

They have mountains of fine print that disqualifies you, if you read their legalese a medical student and a paralegal could review your medical records and refuse payment for any of their dozens of disqualifiers.

They also remove preexisting conditions and make a broad and borderline illegal generalization as to what is preexisting, which is why legitimate plans are more pricey.

Don't trip and fall with even a detectable ABV or get into any motor vehicle besides a modern car.

drive yourself to the emergency room:

Sounds like a scam.

hope you don't need DME:

If I go to a Doctor that wants to pray with me, I'm assuming I need life insurance not health insurance...



 

Many plans fuck you on ambulance costs.

If you do this, don't opt for anything other than "gold with brother's keeper".

Appendix: Bills ineligible for
sharing:
15. Bills incurred as the result of the abuse of drugs or alcohol; costs
incurred from self-inflicted, non-accidental incidents
16. Bills incurred from motorized vehicle accidents in which
members were not wearing a helmet or wearing the proper safety
equipment (see Guideline W)
18. Immunizations

Roger, thanks.

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Agreed.  Not sure if I would proceed.  Dave Ramsey appears to recommend CHMinistries and if my wife loses her job, our HI will go up to about $900/mo so alternatives may be needed...but hopefully not.

Stoopid Socialist Obama.  He and Pelosi and the others need to be prosecuted for treason and jailed.

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watch out for a baby born with problems. 25k might get someone in a neonate icu to answer the phone:

What do they cover?

sad that prior to obungo care you could buy a real catastrophic coverage insurance policy for a reasonable price. they had lots of fine print to, but generally provided real protection for unexpected catastrophically expensive medical expenses.

Heaven forbid that people use judgement.

https://mychristiancare.org/Medi-Share/Medi-Share.aspx

This was posted in another thread. Doesn't seem so radical. You must realize that by stating that they are religious based to bypass O-care they at least have to put on a front that their members are trying to live healthy, moral lives..

eh, they wouldn't even need health insurance if the were stoned in the town square....



 

And who will take it?

Not even sure why they put that clause in there since unwed mothers under a certain income already get free healthcare (and a lot of other free shit) via the taxpayers.

True

providers don't take it. you present yourself as paying on your own and you have to submit bills (not "claims") to the ministry (not "insurer").

My family has been a member for about 2 years now.  So far it has been great. Zero complaints and unless you go for an Obama substidized plan you can't beat the price. Wife and I are each on the bronze and kids are on the gold. We are self employed and when Obama care went in effect our insurance cost almost tripled and I refused to be on a taxpayer subsidized plan.

For us it's basically catostrophic insurance, which is what we were wanting. If your the type that goes to the doctor a lot of has pre-existing conditions then it might not be for you. Yes, there are some things that are not covered like alcohol related, unwed birth, etc. but I am fine with that and do see any need to be forced to pay for everybody else's decisions. Just make sure read the fine print. However, they do have an "offering page" that is published with each months newsletter that lists uncovered items and how members can directly help those other members that have something uncovered. You would be surprised how much of that gets covered by general donations.

you are basically self pay so if you know about something upcoming you can save a ton by just shopping around. For true emergencies they offer to step in and help you negotiate a cash price with around an expected 40% savings.

One great thing is that any savings you are able to negotiate with a provider goes directly to meeting your deductible. So, a 10,000 hospital bill with a 40% deduction for cash pay = 4,000 directly to your deductible.

Feel free to private message me if you have any specific questions.

It's not really.

Scanning those guidelines, there are a fair number of catastrophically expensive things you could unexpectedly incur that would be paid for.

For example if you have a baby born with a congenital heart defect requiring surgery / icu time, it looks like you'll be hosed.

Good luck if you develop some autoimmune problem like Crohn's  or arthritis and need to go on an expensive long term drug to manage (e.g. Embrel  or Humira).

I have a friend that is on that. He likes it and it works for him and his wife.

Then they politely tell you they won't pay for a dozen reasons listed in their phone books of limitations, clauses, and bylaws...

These aren't insurance plans, they are scams to squeak by the Obamacare regulations.

If you need to document health insurance, fully plan on taking it in the ass if you have a health care incident exceeding 40,000 dollars, and don't plan on addressing your health care concerns until you're about to be put into the ground... then these plans are for you.

I had two stones from gout and my MTP got so bad I couldn't walk last year. Between ER visits, drugs, seeing my primary, rheumatologist, and random other health care shit I had probably close to 30k expenses on my catastrophic plan which I paid 3500 deductible then 10%, out of pocket with other limitations and shit was about 8k.

Don't get sick on shit plans like these.

God forbid you have a catastrophic event and see how much of that 350k they will cover.

Catastrophic isn't with an asterisk.

It covers ALL beyond your initial out of pocket expense.

My wife and I use MediShare, it's another one of the health sharing companies. We've been on it for a year, so far so good. Our Dr's and hospitals here recognize it. Our monthly premium under ObamaCare was going to be $1000+ for the cheapest plan. Under MediShare it''s $465. We are self employed, we had no choice, ObamaCare would have killed us financially.

It's not a scam, they've been around for awhile, they've gained popularity since ObamaCare was implemented. Being on one of these Christian based plans exempts you from having to be on the ACA or any suffer from of its penalties. They have very strict guidelines, if you're not a Christian, and live an unhealthy lifestyle it's not for you.

Lol, I enjoyed reading this! And I agree with it.

I've had United, Aetna, and FedBlue pay everything.

It took some wrangling with FedBlue but the most I've went over was 30% of my deductible plus about 2 grand of legal wrangling they wound up paying 50% off...

I'm not saying it's perfect, but you show up with a Mickey Mouse Christian plan in an MVA you'll be staring at much more of the quarter million bill than with an actual insurance.