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Posted: 1/1/2016 10:37:25 AM EDT
[Last Edit: 1/1/2016 10:38:24 AM EDT by highstepper]
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?
Link Posted: 1/1/2016 10:37:43 AM EDT
[Last Edit: 1/1/2016 10:38:22 AM EDT by armoredsaint]
in....
 



like picking a plumber in the telephone book with a fish symbol
Link Posted: 1/1/2016 10:40:32 AM EDT
Link Posted: 1/1/2016 10:48:12 AM EDT
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).
Link Posted: 1/1/2016 10:50:52 AM EDT


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.

Link Posted: 1/1/2016 10:52:19 AM EDT
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.

Link Posted: 1/1/2016 10:53:58 AM EDT
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
Link Posted: 1/1/2016 10:55:20 AM EDT
Scam, and a judgmental one at that.

Fuck these assholes.
Link Posted: 1/1/2016 10:55:52 AM EDT
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
Link Posted: 1/1/2016 10:57:34 AM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By samo38:


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).

View Quote
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.



 
Link Posted: 1/1/2016 10:59:10 AM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By GreenBastard:
Scam, and a judgmental one at that.

Fuck these assholes.
View Quote



Elaborate, please
Link Posted: 1/1/2016 11:00:33 AM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By samo38:


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).

View Quote




 



how do you prove that?
Link Posted: 1/1/2016 11:02:17 AM EDT
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 ).






Link Posted: 1/1/2016 11:02:39 AM EDT
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.
Link Posted: 1/1/2016 11:02:52 AM EDT
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).
Link Posted: 1/1/2016 11:03:10 AM EDT
Link Posted: 1/1/2016 11:03:32 AM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By APBullet:
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.
View Quote



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.
Link Posted: 1/1/2016 11:03:42 AM EDT
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.
Link Posted: 1/1/2016 11:03:52 AM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By highstepper:



Elaborate, please
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By highstepper:
Originally Posted By GreenBastard:
Scam, and a judgmental one at that.

Fuck these assholes.



Elaborate, please

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.
Link Posted: 1/1/2016 11:04:03 AM EDT
Link Posted: 1/1/2016 11:04:26 AM EDT
drive yourself to the emergency room:


Christian Healthcare Ministries cannot share bills incurred for
transportation from the site of your emergency to a medical facility.
Bills for medical transportation are only eligible for sharing when:
1) you are in a life-threatening situation and
2) you are transferred from one hospital to a nearby hospital that can
provide the necessary services and
2) the reason for the transfer is because the first hospital cannot
adequately care for you
View Quote
Link Posted: 1/1/2016 11:05:02 AM EDT
Sounds like a scam.
Link Posted: 1/1/2016 11:05:34 AM EDT
hope you don't need DME:


1. Gold members
The cost of medical equipment prescribed by a medical doctor is
eligible for sharing up to $4,000. The equipment must be necessary
to sustain life and includes items such as sleep apnea equipment,
aerosol machines, pacemakers, defibrillators, insulin pumps, and
oxygen supply/generators. CHM will only share these expenses after
all other forms of available assistance have been exhausted. The
costs of additional accessories or supplies acquired after the initial
procurement of medical equipment are not eligible for sharing.

2. Silver and Bronze members
Only devices inserted as part of a surgery are eligible for sharing; the
expense is included in the cost of the surgery.

View Quote
Link Posted: 1/1/2016 11:05:47 AM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By samo38:


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.
View Quote


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



 
Link Posted: 1/1/2016 11:06:29 AM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By dog-meat:
drive yourself to the emergency room:

View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By dog-meat:
drive yourself to the emergency room:


Christian Healthcare Ministries cannot share bills incurred for
transportation from the site of your emergency to a medical facility.
Bills for medical transportation are only eligible for sharing when:
1) you are in a life-threatening situation and
2) you are transferred from one hospital to a nearby hospital that can
provide the necessary services and
2) the reason for the transfer is because the first hospital cannot
adequately care for you

Many plans fuck you on ambulance costs.
Link Posted: 1/1/2016 11:07:10 AM EDT
If you do this, don't opt for anything other than "gold with brother's keeper".


What about medical bills
exceeding the maximum sharing
amount?
For medical bills exceeding the $125,000 sharing limit, CHM has
a program called Brother’s Keeper. Brother’s Keeper increases the
sharing limit per diagnosis (illness). For multiple diagnoses, each one
is eligible for an inceased amount in shared costs:
1. Gold members
Signing up for Brother’s Keeper provides unlimited cost support per
diagnosis.
2. Silver and Bronze members
Signing up for Brother’s Keeper provides an additional $100,000 of
cost support. With each annual Brother’s Keeper renewal, members
receive an additional $100,000 of assistance, accruing up to $1
million per diagnosis.
View Quote
Link Posted: 1/1/2016 11:07:21 AM EDT
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
Link Posted: 1/1/2016 11:08:16 AM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By GreenBastard:

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.
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By GreenBastard:
Originally Posted By highstepper:
Originally Posted By GreenBastard:
Scam, and a judgmental one at that.

Fuck these assholes.



Elaborate, please

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.



Roger, thanks.

Posted Via AR15.Com Mobile
Link Posted: 1/1/2016 11:11:26 AM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By dog-meat:
If you do this, don't opt for anything other than "gold with brother's keeper".

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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By dog-meat:
If you do this, don't opt for anything other than "gold with brother's keeper".


What about medical bills
exceeding the maximum sharing
amount?
For medical bills exceeding the $125,000 sharing limit, CHM has
a program called Brother’s Keeper. Brother’s Keeper increases the
sharing limit per diagnosis (illness). For multiple diagnoses, each one
is eligible for an inceased amount in shared costs:
1. Gold members
Signing up for Brother’s Keeper provides unlimited cost support per
diagnosis.
2. Silver and Bronze members
Signing up for Brother’s Keeper provides an additional $100,000 of
cost support. With each annual Brother’s Keeper renewal, members
receive an additional $100,000 of assistance, accruing up to $1
million per diagnosis.



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.

Posted Via AR15.Com Mobile
Link Posted: 1/1/2016 11:12:42 AM EDT
watch out for a baby born with problems. 25k might get someone in a neonate icu to answer the phone:


10. Congenital conditions
Needs for birth defects or congenital conditions (and bills from
resulting conditions) may be submitted for sharing with a maximum
total not to exceed $25,000 per diagnosis. CHM will always assist
members with finding other sources of funding for such conditions.
View Quote



Appendix: Bills ineligible for
sharing
1. Bills incurred prior to joining Christian
Healthcare Ministries
2. Dental expenses
• Exception: Dental expenses incurred due to
an accident—other than accidents caused by
chewing—are eligible for sharing.
• Expenses from Temporomandibular Joint
Disorders (TMJ/TMD) are not eligible for
sharing. This exclusion applies regardless
of variations in diagnostic coding (i.e.
micrognathia, congenital malformations of
the jaw, etc.), where treatment is being rendered, or the type of
practitioner providing the treatment.
3. Incidental medical expenses: vision correction (optometrist
services, eye exams, eyeglasses, contact lenses, etc.).; audiological
expenses; chiropractic treatment; routine, maintenance
prescriptions; well visits/routine check-ups and related testing (see
Guidelines O and P)
4. Elective, non-health related cosmetic surgery. Bills from medically
necessary breast reductions are eligible for sharing.
5. Weight reduction programs or procedures
6. Abortions or births from unwed mothers (see Guideline R.9)
7. Infertility testing or treatment; sterilization or reversal (see
Guideline R.7)
8. Gestation or surrogate maternity procedures; in vitro fertilization
and associated maternity bills (see Guideline R.7). Genetic testing
is ineligible unless required for determining treatment for a current
medical condition. Medical records must be provided.
9. Congenital conditions (limits apply; see Guideline R.10)
10. Psychological treatment, tests or counseling. Only emergency
room bills incurred to physically stabilize the patient are eligible
for sharing.
11. Prosthetics
12. Medical supplies, including (but not limited to): syringes, test
strips, lancets, orthotics, batteries, hearing aids, crutches, etc.
Medical appliances and equipment (limits apply; see Guideline V)
13. Alternative treatment (See Guideline N)
14. Non-medical expenses such as travel expenses, postage,
shipping, finance charges, interest, nutritionist services, phone
calls, private room, etc.
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)
17. Medical transportation (limits apply; see Guideline U)
18. Immunizations
19. Nursing home care/rehab housing


View Quote
Link Posted: 1/1/2016 11:13:59 AM EDT
What do they cover?
Link Posted: 1/1/2016 11:14:46 AM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By highstepper:



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.

Posted Via AR15.Com Mobile
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By highstepper:
Originally Posted By dog-meat:
If you do this, don't opt for anything other than "gold with brother's keeper".


What about medical bills
exceeding the maximum sharing
amount?
For medical bills exceeding the $125,000 sharing limit, CHM has
a program called Brother’s Keeper. Brother’s Keeper increases the
sharing limit per diagnosis (illness). For multiple diagnoses, each one
is eligible for an inceased amount in shared costs:
1. Gold members
Signing up for Brother’s Keeper provides unlimited cost support per
diagnosis.
2. Silver and Bronze members
Signing up for Brother’s Keeper provides an additional $100,000 of
cost support. With each annual Brother’s Keeper renewal, members
receive an additional $100,000 of assistance, accruing up to $1
million per diagnosis.



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.

Posted Via AR15.Com Mobile



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.

Link Posted: 1/1/2016 11:25:26 AM EDT
Link Posted: 1/1/2016 11:33:11 AM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By GreenBastard:
Scam, and a judgmental one at that.

Fuck these assholes.
View Quote



Heaven forbid that people use judgement.
Link Posted: 1/1/2016 11:56:44 AM EDT
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..
Link Posted: 1/1/2016 12:01:34 PM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By samo38:


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
View Quote


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



 
Link Posted: 1/1/2016 12:02:42 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By GreenBastard:
What do they cover?
View Quote


And who will take it?
Link Posted: 1/1/2016 12:09:29 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Skillshot:

eh, they wouldn't even need health insurance if the were stoned in the town square....
 
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Skillshot:
Originally Posted By samo38:
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

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


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.
Link Posted: 1/1/2016 12:11:51 PM EDT
True
Link Posted: 1/1/2016 12:14:34 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By CLICKBANGBANG:


And who will take it?
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By CLICKBANGBANG:
Originally Posted By GreenBastard:
What do they cover?


And who will take it?



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").


Link Posted: 1/1/2016 12:16:16 PM EDT
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.
Link Posted: 1/1/2016 12:21:09 PM EDT
Link Posted: 1/1/2016 12:25:11 PM EDT
[Last Edit: 1/1/2016 12:26:05 PM EDT by dog-meat]
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By jimblack:


For us it's basically catostrophic insurance, which is what we were wanting. I

View Quote



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).




Link Posted: 1/1/2016 12:25:18 PM EDT
I have a friend that is on that. He likes it and it works for him and his wife.
Link Posted: 1/1/2016 12:27:14 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By dog-meat:



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").


View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By dog-meat:
Originally Posted By CLICKBANGBANG:
Originally Posted By GreenBastard:
What do they cover?


And who will take it?



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").



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.
Link Posted: 1/1/2016 12:29:18 PM EDT
[Last Edit: 1/1/2016 12:31:46 PM EDT by GreenBastard]
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By TheGrayMan:


*shrug*  Clearly not the plan for you then.  Enjoy your $2000/mo-with-$12k-deductible Obamacare plan instead.

I think they're perfectly within their rights to exclude "moral turpitude"-type illnesses.  

Because let's face it:  plenty of illnesses and medical conditions are because people abuse substances, do stupid things, and engage in risky behaviors.  Tobacco is one they exclude, and I'm perfectly OK with that.  Ditto for risky sexual behaviors and not using basic safety equipment.  If you don't wear a seat-belt in this day-and-age, you may simply be too stupid to live... and I certainly don't want to pay for your multitude of injuries from being ejected during your DUI-rollover accident.

Likewise if you're a whoremonger.  I respect your right to insert your genitals in any willing individual, but don't want to pay for your HIV drugs.  Fair?  "Keep your laws off my body, keep the government out of my bedroom," right?  OK... I'm good with that... now keep your filthy hands out of my wallet.

Don't get me wrong... I lean Libertarian on all sorts of things, including drug use, helmets, sexual behavior, etc... but in return for respecting your RIGHT to do those things, I demand that you respect my RIGHT not to have to pay for your dumb ass.

Seems like this CHI program takes the same position... and I'm glad they do.

What's that famous ARF saying?  "Play stupid games, win stupid prizes" was it?

Yeah.  It's like that.
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By TheGrayMan:
Originally Posted By GreenBastard:
Scam, and a judgmental one at that.

Fuck these assholes.


*shrug*  Clearly not the plan for you then.  Enjoy your $2000/mo-with-$12k-deductible Obamacare plan instead.

I think they're perfectly within their rights to exclude "moral turpitude"-type illnesses.  

Because let's face it:  plenty of illnesses and medical conditions are because people abuse substances, do stupid things, and engage in risky behaviors.  Tobacco is one they exclude, and I'm perfectly OK with that.  Ditto for risky sexual behaviors and not using basic safety equipment.  If you don't wear a seat-belt in this day-and-age, you may simply be too stupid to live... and I certainly don't want to pay for your multitude of injuries from being ejected during your DUI-rollover accident.

Likewise if you're a whoremonger.  I respect your right to insert your genitals in any willing individual, but don't want to pay for your HIV drugs.  Fair?  "Keep your laws off my body, keep the government out of my bedroom," right?  OK... I'm good with that... now keep your filthy hands out of my wallet.

Don't get me wrong... I lean Libertarian on all sorts of things, including drug use, helmets, sexual behavior, etc... but in return for respecting your RIGHT to do those things, I demand that you respect my RIGHT not to have to pay for your dumb ass.

Seems like this CHI program takes the same position... and I'm glad they do.

What's that famous ARF saying?  "Play stupid games, win stupid prizes" was it?

Yeah.  It's like that.

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.
Link Posted: 1/1/2016 12:37:36 PM EDT
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.
Link Posted: 1/1/2016 12:43:50 PM EDT
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Originally Posted By TheGrayMan:


*shrug*  Clearly not the plan for you then.  Enjoy your $2000/mo-with-$12k-deductible Obamacare plan instead.

I think they're perfectly within their rights to exclude "moral turpitude"-type illnesses.  

Because let's face it:  plenty of illnesses and medical conditions are because people abuse substances, do stupid things, and engage in risky behaviors.  Tobacco is one they exclude, and I'm perfectly OK with that.  Ditto for risky sexual behaviors and not using basic safety equipment.  If you don't wear a seat-belt in this day-and-age, you may simply be too stupid to live... and I certainly don't want to pay for your multitude of injuries from being ejected during your DUI-rollover accident.

Likewise if you're a whoremonger.  I respect your right to insert your genitals in any willing individual, but don't want to pay for your HIV drugs.  Fair?  "Keep your laws off my body, keep the government out of my bedroom," right?  OK... I'm good with that... now keep your filthy hands out of my wallet.

Don't get me wrong... I lean Libertarian on all sorts of things, including drug use, helmets, sexual behavior, etc... but in return for respecting your RIGHT to do those things, I demand that you respect my RIGHT not to have to pay for your dumb ass.

Seems like this CHI program takes the same position... and I'm glad they do.

What's that famous ARF saying?  "Play stupid games, win stupid prizes" was it?

Yeah.  It's like that.
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Originally Posted By TheGrayMan:
Originally Posted By GreenBastard:
Scam, and a judgmental one at that.

Fuck these assholes.


*shrug*  Clearly not the plan for you then.  Enjoy your $2000/mo-with-$12k-deductible Obamacare plan instead.

I think they're perfectly within their rights to exclude "moral turpitude"-type illnesses.  

Because let's face it:  plenty of illnesses and medical conditions are because people abuse substances, do stupid things, and engage in risky behaviors.  Tobacco is one they exclude, and I'm perfectly OK with that.  Ditto for risky sexual behaviors and not using basic safety equipment.  If you don't wear a seat-belt in this day-and-age, you may simply be too stupid to live... and I certainly don't want to pay for your multitude of injuries from being ejected during your DUI-rollover accident.

Likewise if you're a whoremonger.  I respect your right to insert your genitals in any willing individual, but don't want to pay for your HIV drugs.  Fair?  "Keep your laws off my body, keep the government out of my bedroom," right?  OK... I'm good with that... now keep your filthy hands out of my wallet.

Don't get me wrong... I lean Libertarian on all sorts of things, including drug use, helmets, sexual behavior, etc... but in return for respecting your RIGHT to do those things, I demand that you respect my RIGHT not to have to pay for your dumb ass.

Seems like this CHI program takes the same position... and I'm glad they do.

What's that famous ARF saying?  "Play stupid games, win stupid prizes" was it?

Yeah.  It's like that.


Lol, I enjoyed reading this! And I agree with it.
Link Posted: 1/1/2016 12:46:08 PM EDT
Link Posted: 1/1/2016 12:53:27 PM EDT
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Originally Posted By TheGrayMan:


lol.

You think regular insurance is any different?  I've had insurance companies play all kinds of games with my "coverage" after-the-fact, sticking me with tens-of-thousands of dollars in costs.   There is all kinds of "fine print" in contracts and agreements between insurers and hospitals/networks... some of which you NEVER get to see, but can cost you big money.

I had one case where they claimed a service wasn't "in network" (when the entire facility/etc was all in-network), and there was no way to discover that ahead of time.  I asked for a copy of their contract with the hospital... they told me to f*ck off.  I got my attorney involved, and he demanded a copy of the contract.  They told HIM to f*ck off.

Traditional insurance is no picnic either.  It's amazing to me that you don't know this.  

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Originally Posted By TheGrayMan:
Originally Posted By GreenBastard:

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.


lol.

You think regular insurance is any different?  I've had insurance companies play all kinds of games with my "coverage" after-the-fact, sticking me with tens-of-thousands of dollars in costs.   There is all kinds of "fine print" in contracts and agreements between insurers and hospitals/networks... some of which you NEVER get to see, but can cost you big money.

I had one case where they claimed a service wasn't "in network" (when the entire facility/etc was all in-network), and there was no way to discover that ahead of time.  I asked for a copy of their contract with the hospital... they told me to f*ck off.  I got my attorney involved, and he demanded a copy of the contract.  They told HIM to f*ck off.

Traditional insurance is no picnic either.  It's amazing to me that you don't know this.  


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.
Link Posted: 1/1/2016 1:28:27 PM EDT
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