Compare Christian HealthCare: an alternative solution

Christian Healthcare is not insurance, however it serves the same purpose and mostly they offer the essentially the same benefits,

with (much) lower out-of-pocket expenses. The monthly premium -which is a lot less- is invested in an not-for-profit organization

instead of a commercial money-making business.

 

They are exempted from the Affordable Care Act (ACA) so you don't pay a tax penalty.

Members pay a monthly 'share' (premium). These funds all go into one account and medical bills among the members are shared from this account. 

I compared the two major Christian healthcare organizations below and found -for many reasons- that Christian Healthcare Ministries is the best one out there, which I'll explain below. The ministry is also supported and recommended by Dave Ramsey (the Christian financial guru).
 

Compare Christian HealthCare VS Medi-Share

Christian Healthcare

Gold Plan (any age)

Monthly Cost, per person

$150.00 -  Gold Plan (no matter your age)

Max premium $450 regardless size of household or age. Quarterly you pay $25.00 per member for the Brothers Keepers program (included in annual cost above). Lesser expensive plans available (Silver $85, Bronze $45 per month).

 

Total annual cost including monthly 'premium', fees, setup etc.

$1,940.00 -includes Gold plan and Brother keepers program (which includes unlimited coverage amount per medical event).

Lifetime max coverage

Unlimited coverage (no maximum) with Brothers Keepers program (included in the price above). See also pre-existing conditions below

Out of pocket expenses, before your bill is covered ("deductible")

$0.00 (ZERO), as long as your bill is over $500.00 for a covered medical event. 

Pre-existing conditions covered?

Yes, immediate limited coverage:

Year one $15,000 coverage

Year two $10,000 additional coverage (max $25,000 for 2 years)

Year three $25,000 additional coverage (max $50,000 for 3 years)

Year four and beyond: your condition is no longer seen as 'pre-existing'. So after 3 years you have unlimited amount because of Brothers Keepers program.

IF you have a medical event within the first 3 years, and the total bills for a covered medical event is more expensive than your coverage, you can be added to the prayer page where many CHM members will donate money to help you with your bills.

Maternity included? Maternity copay?

Yes, awesome maternity program included, ZERO copay. Coverage from A-Z. You get reimbursed in full! No "deductible" to meet! With Brothers Keepers program (included in price) you have no limit on the total bill.

 

Doctor / Facility / Hospital network?

See any doctor and choose any facility you like! There are no network restrictions what so ever.

Wellness/Routine covered?

No, you are a self-pay patient. If your routine checks out 'all healthy', there is no coverage (you typically get great "self-pay" discount at the doctor's office).

 

Some test like Endoscopy and Colonoscopy are covered (0 out of pocket with the Gold plan

Doctor's office visit coverage

Incident related only. However in case of a medical event, if your bills are over $500 (due to blood work, x-rays, visit and return visit etc) you will be covered. 

For regular doctors visits you typically get a great self-pay discount, see "money saving tips: on next page

 

Can I talk to a doctor online (telemedicine) and

is Dental and Vision included? 

Not included with CHM, however if you choose the Dental & Vision plan as recommended by CHM, from Carington (link provided on next page, you can talk online/via phone to a doctor for FREE consults (unlimited, 24/7). The cost

of this plan which includes Dental and Vision discount and lot's more benefits, is $129 per year for the whole family (or $11.95 per month).

 

ER Copay?

$0.00 - No copay, if your bill is over $500 (which the typical ER bill is). You negotiate discount after you say that you are self-pay, setup a payment plan until you get reimbursement from CHM.

 

 

Hospitalization in/out patient included?

Yes included. For covered medical events only and the bill has to reach $500 before CHM will pay.

 

 

 

 

 

Surgery included?

Yes included. For covered medical events only and the bill has to reach $500 before CHM will pay (what surgical bill is below $500 anyways?)

 

 

 

 

How to submit your medical bill(s)

Easy Online system. Fill in the online forms, scan in your receipts and submit them with the claim form.

 

 

Doctors / Medical facility discount?

You negotiate discounts (they have guides. If no discounts offered by the medical facility CHM will help you negotiate. If you get $500 or more discount your 'out of pocket' responsibility will be waived! For covered medical events.

 

 

 

 

OK if I have Medicare?

Yes! in that case CHM works as a supplemental insurance and CHM will pick up the 20% Medicare doesn't cover for covered medical events. Simply submit your Medicare statement (no need to keep track of your receipts). 

 

 

Year organisation started

1981. This is a well organized, not for profit organisation with a financial stable history. They haven't missed any eligible payments because of financial issues and they haven't raised their prices for nearly a decade.

 

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Medi-Share

Age 30, $1,750 out of pocket plan

Monthly Cost, per person

$281.00 -  based on 'oldest' member in house hold age 30, with a $1,750 'deductible'. Medi-Share bases the premium on your age. 

Please note that there might be an additional $80.00 fee, per month if you are not of healthy weight, or have high blood pressure. Medi-share bases this on weight, cholesterol, blood pressure, diabetes and other criteria.

 

Total annual cost including monthly 'premium', fees, setup etc.

$3,124.00. Includes 20% discount for health members. Please note that there might be an additional $80 fee, per month if you are not "healthy". Medi-share bases this on weight, cholesterol, blood pressure, pre-existing conditions and other criteria. 

Lifetime max coverage

Up to $1,000,000. See also pre-existing conditions below.

Out of pocket expenses, before your bill is covered ("deductible")

$1,750 for a covered medical event.

Also additional copays on doctor visits and ER visits

Pre-existing conditions covered?

After 3 years:

If you didn't had any symptoms or treatment in the last 3 years, or when you are a member for 3 years, then you will get $100,000 coverage per year. Up to $500,000 if you didn't have any treatment or symptoms in the last 5 years, or when you are a member for 5 years.

 

 

 

Maternity included? Maternity copay?

Yes, it's only available to members with a Annual Household Portion ("deductible") of $3,000 or more. So your out of pocket expenses are at least $3,000.00. Max coverage is $125,000.

 

Doctor / Facility / Hospital network?

Yes, Medi-Share has their own network, however you can choose to go out of network but you end up paying 20% more per bill. 

Wellness/Routine covered?

No, you are a self-pay patient. If your routine checks out 'all healthy', there is no coverage (you typically get great "self-pay" discount at the doctor's office).

Doctor's office visit coverage

Medi-Share has a copay of $35.00 when you go to an in-network doctor. However you still get billed later on from the doctor's office for the remaining amount. The $35 is just applied towards  your total bill. The total doesn't count towards your 'deductible'

Can I talk to a doctor online (telemedicine) and

is Dental and Vision included? 

Included with Medi-share as a discount plan, from Carington.com. For regular doctors visits you typically get a great self-pay discount, see "money saving tips: on next page.

ER Copay?

Copay of $135.00 when you go to the ER.

You are responsible for your 'deductible' as well ($1,750) in this example

 

Hospitalization in/out patient included?

Yes included, you are responsible for your copays and deductibles

 

 

 

 

 

Surgery included?

Subject to program guide lines and deductible. Other limitations may apply.

You will pay at least your 'deductible' of $1,750

 

How to submit your medical bill(s)

If you choose an in-network provider, they will bill for you. However it's a limited choice you have from in-network providers. If you go out of network they have an easy online system. Fill in the online forms, scan in your receipts and submit them with the claim form.

 

 

Doctors / Medical facility discount?

When you go to an in-network provider the prices are set per contract.

 

OK if I have Medicare?

Yes you can combine Medicare with Medishare

 

 

Year organisation started

1993. This is a well organized, not for profit organisation with a financial stable history. However they do spend a lot of money on advertising (you hear them on the radio all the time) which is very costly, and technically you are the one paying for that!

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We only compared the best plans with the lowest out-of-pocket expenses / deductible. The reason that we didn't compare the 'lower' plans, is because of the 'deductible'/out of pocket expenses are extreme, just like commercial insurance.

Ask yourself this question: Do you have $5,000 - $10,000 'deductible' to pay before any medical bills are shared? 

Not many people do, so that's why it is smart to invest in a better plan, which still saves you lot's of money, and in case of a medical event you can have a $0 deductible!

There are many 'sharing' organisations popping up everywhere. Be aware that some of them are not 'non-profit' organisations,

meaning they are a business, they are in it to make money. This is why I compared the two largest Christian non-profit organisations. Christian Healthcare Ministries (CHM) and Medi-Share, both proven financial stability and in existence for a long time.


Please note that you have to be a Christian and you have to follow Christian guidelines and have a Christian lifestyle to be eligible for any of these organizations.

ReviewHealthCare.org     Reviewing Commercial Insurance to Alternative options - Christian Healthcare Ministries VS Medi-Share

Disclaimer: please note: I am the maker of this website and promote CHM due to the results of my research. I do not work for CHM and I don't get paid by CHM. For complete details on how CHM works, please review the CHM Guidelines on this  page or on the official website.

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