Christian Health InsuranceChristian health insurance is an alternative to health insurance for those who are tired of paying high monthly premiums to help insurance companies cover more at-risk customers who smoke, drink excessively, and do drugs, three things that people are forbidden to do with Christian health insurance. This kind of health insurance may appeal to those that are self-employed or in the ministry, such as a pastor and his family.
Christian Health Insurance: Health Care SharingThere are many types of health insurance that fall under this category. Health care sharing is an alternative option to health insurance that appeals to many Christians. Medi-Share is an example of this kind of health care. Medi-Share is a Christian group that bands together to take care of people’s medical bills. Through this program, your medical bills are sent to Medi-Share. Medi-Share then negotiates your bill in order to get you a discount and then posts your need on its website. Your need will then be met with the monthly shares of others. However, not all of your needs can be posted on the website. You have to choose a dollar amount for your family which will determine when your medical bills can be posted for sharing. If you choose a low number, such as $500 or $1,200, your monthly share will be higher than others, because when your bills exceed that number, your medical expenses will be taken care of by Medi-Share. There are other Christian groups like this such as Christian Healthcare Ministries and Samaritan Ministries
Christian Health Insurance: The BenefitsThere are obviously several benefits to this kind of alternative insurance. Each organization has a wide variety of choices available so you will be able to find a price that you can afford. Most likely you will be paying just a fraction of your old monthly premiums that you had with your health insurance. Some organizations will simply ask for you to give the amount that the Lord lays on your heart to a particular need instead of a set monthly fee. Another benefit to this program is the power of prayer. Those that give to your need are asked to pray for you and to send you notes of encouragement which can help to get you through the rough time in your life.
Christian Health Insurance: The DisadvantagesAs with insurance companies, each Christian health care sharing organization is going to have its own rules and regulations. However, there are some disadvantages that many or most of them have in common. These kinds of organizations may not cover a pre-existing condition or other treatments such as heart disease and psychiatric disorders. These exclusions could make your commitment to this kind of health care pointless if your medical need did not qualify for bill sharing. Another disadvantage may come through your specific doctors. Before making a switch to this kind of health care, it is important to check and make sure that your current doctors accept your membership to your chosen organization or you may find that you do not get a discount or even have your costs count toward your yearly total.
Christian Health Insurance: The WarningThere are plenty of scams out there, and many organizations claim to be a ministry, but take more than what is necessary for administrative costs. If you plan to switch from your insurance to one of these kinds of programs, make sure to do your research and give it a lot of thought. The last thing that you want to do is spend a few years sending money to an organization that you thought was helping people and then discover that it was all a hoax when you have a medical need of your own. Also, make sure that all the medical expenses that you expect to have are covered by this kind of a program. If a certain disease runs in your family, make sure that it is not on the list of exclusions.
Christian Health Insurance: Get a Free QuoteIf you think Christian health insurance might be for you and are interested in finding out more, enter your zip code at the top of the page and we will get you a free comparison quote.
|
Get Free Health Insurance Quotes!
