User Panel
Posted: 1/1/2016 10:37:25 AM EDT
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? |
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in....
like picking a plumber in the telephone book with a fish symbol |
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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).
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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. |
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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. |
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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 |
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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 |
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Quoted: 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 |
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Quoted: 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? |
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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.
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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). |
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Quoted: 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 |
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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. |
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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.
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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. |
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Quoted: 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). View Quote |
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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 |
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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 |
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Quoted: 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... |
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drive yourself to the emergency room: View Quote View All Quotes View All Quotes Quoted:
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. |
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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 |
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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 |
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Quoted:
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 View All Quotes Quoted:
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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 |
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If you do this, don't opt for anything other than "gold with brother's keeper". View Quote View All Quotes View All Quotes Quoted:
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 |
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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 |
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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. Posted Via AR15.Com Mobile View Quote View All Quotes View All Quotes Quoted:
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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. |
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Quoted: Many plans fuck you on ambulance costs. View Quote View All Quotes View All Quotes Quoted: Quoted: 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. |
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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.. |
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Quoted: 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.... |
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eh, they wouldn't even need health insurance if the were stoned in the town square.... View Quote View All Quotes View All Quotes Quoted:
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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. |
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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. |
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Scam, and a judgmental one at that. Fuck these assholes. View Quote *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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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). |
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I have a friend that is on that. He likes it and it works for him and his wife.
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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 View All Quotes Quoted:
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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. |
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*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. View Quote View All Quotes View All Quotes Quoted:
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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. |
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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. |
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*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. View Quote View All Quotes View All Quotes Quoted:
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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. |
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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. View Quote 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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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. View Quote View All Quotes View All Quotes Quoted:
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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. |
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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. View Quote Maybe... maybe not. If the hospital has a contract (or is willing to deal), you could do fine. I've had hospitals knock 75% off a bill just by me asking. And you still haven't defended your "judgmental" comment. I'm waiting to see what you have to say about that. Because this is a Christian-driven program, yes? And everybody hates those holier-than-thou church people, right? Bunch of squares... those smirking, judgmental, sanctimonious preacher-types who tell you "do this, don't do that. Moderation is good, work hard, don't smoke, be faithful to your wife, don't drink to excess, etc, etc." But you want to know something? When it comes to health-related risk factors that drive up the cost of insurance? They're 100% Grade-A, USDA-choice RIGHT. Let's examine various social pathologies that cost the health-care system big $$$$ (these tend to be rampant in the Medicaid population): drug use, violence, alcoholism, broken homes, out-of-wedlock births, promiscuity, obesity, welfare-fraud, joblessness, etc. How many of those are prohibited/frowned-upon by standard Christian doctrine, and its exhortations against sloth, gluttony, drunkenness, promiscuous sex, marital infidelity, etc? Pretty much all of them, am I right? The people in this program clearly don't want to subsidize evil, or pathological behavior... and in a happy coincidence (except it's not, as noted above), this desire to support a clean-living/Christian lifestyle leads to MUCH lower costs for their members... because they're not supporting the undisciplined, the drunkards, the whoremongers, the lazy, the slothful, etc. Maybe the owners/adminestrators of this program aren't even Christians... they could be a bunch of God-hating atheists... but even if none of the administrators or owners of this program believe one single bit of the Bible (maybe they're just greedy capitalists), their decisions of what to cover could just as easily have been made on the basis of cold-blooded, Ebeneezer Scrooge economics. What better population for an insurance program to have? |
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