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Health sharing ministries - advice?
me | 01/18/2018 | tbw2

Posted on 01/18/2018 9:05:21 AM PST by tbw2

Husband just lost job. We're looking at health sharing ministries as a lower cost way of saving on premiums compared to COBRA. What has been your experience with health sharing ministries? Which one would you recommend? Which ones don't make processing medical bills/claims a hassle? What should I look out for?


TOPICS: Chit/Chat
KEYWORDS: advice; healthsharing; medical

1 posted on 01/18/2018 9:05:21 AM PST by tbw2
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To: tbw2

I am 51, type 1 diabetic, I have Liberty Health Share, $195 a month, broke my are during the summer, paid all of 30K operation.


2 posted on 01/18/2018 9:08:23 AM PST by big bad easter bunny
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To: tbw2
Understand that these ARE NOT INSURANCE. At least they have to SAY that they are not, legally.

As such, they are under no obligation to pay (share) claims (expenses.) I was a member of Christian Healthcare Ministries for a short time in 2014, but I never filed a claim. But I've heard very good things about them.

3 posted on 01/18/2018 9:09:36 AM PST by fwdude (Why is it that the only positive things to come out of LGBT organizations are their AIDS tests?)
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To: tbw2

We have Medishare. Husbands about to have hip replacement and it seems to be in network. Very good customer service so far.


4 posted on 01/18/2018 9:10:59 AM PST by outinyellowdogcountry
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To: fwdude

“Understand that these ARE NOT INSURANCE. “

Yet somehow some of them are approved under Obamacare as having the necessary coverage.

I never did understand that.


5 posted on 01/18/2018 9:15:17 AM PST by CottonBall (Thank you, Julian!)
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To: tbw2

Bkmrk.


6 posted on 01/18/2018 9:20:57 AM PST by RushIsMyTeddyBear (Screw The NFL!!!!!! My family fought for the flag!)
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To: tbw2
I know multiple families in Central Illinois who belong to Samaritan Ministries out of Peoria, IL.

They are very happy with it. Current issues aren’t grandfathered in on these 0care alternates, which is precisely how insurance was meant to be. You can’t buy car insurance after you wreck your car and have it covered, either.

7 posted on 01/18/2018 9:21:30 AM PST by ConservativeMind (Trump: Befuddling Democrats, Republicans, and the Media for the benefit of the US and all mankind.)
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To: outinyellowdogcountry
We have Medishare. Husbands about to have hip replacement and it seems to be in network. Very good customer service so far.
8 posted on 01/18/2018 9:23:34 AM PST by pgkdan (The Silent Majority STILL Stands With TRUMP!)
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To: CottonBall

This is only because there are no “reserves” from which to pay.

Literally, all payments come from premiums policy holders pay directly to the person needing the help.


9 posted on 01/18/2018 9:24:54 AM PST by ConservativeMind (Trump: Befuddling Democrats, Republicans, and the Media for the benefit of the US and all mankind.)
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To: tbw2

We have MediShare. We have been using it for 4 years. It works GREAT! Family with 5 kids.

The only problem is sometimes you say “medishare” and the receptionist hears “medicare”. Just make sure they know what you are actually saying.

Don’t hesitate. I wish I would have done it sooner.


10 posted on 01/18/2018 9:28:24 AM PST by CloudyI (MAGA!!)
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To: CottonBall
Yet somehow some of them are approved under Obamacare as having the necessary coverage.

The Obamacare bill was NOT popular, despite the media spin, and only passed by the skin of their teeth. They HAD to make some concessions on religious groups to get the marginal vote needed to pass it. Faith-based health care sharing ministries were a bargaining chip in that legislation.

11 posted on 01/18/2018 9:40:58 AM PST by fwdude (Why is it that the only positive things to come out of LGBT organizations are their AIDS tests?)
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To: CottonBall

Health Care Sharing Ministries like Medi-Share are not approved under Obamacare as having the necessary coverage.

But on form 8965 (Health Coverage Exemptions), you can claim tax return exemption code D for the months you were a member of a health care sharing ministry.

https://www.irs.gov/instructions/i8965


12 posted on 01/18/2018 9:52:54 AM PST by DFG
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To: tbw2

pinging


13 posted on 01/18/2018 9:53:21 AM PST by onona
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To: fwdude
"Understand that these ARE NOT INSURANCE."

Buyer beware. These "sharing" plans can be blessings from God, but do your homework about acceptance of the plans reimbursement rate not only from the hospital, but from all associated physicians that may be involved in the delivery of health care. This holds true for any insurance plan.

14 posted on 01/18/2018 11:09:20 AM PST by buckalfa (I was so much older then, but I'm younger than that now.)
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To: tbw2

I had Christian Healthcare Ministries. I had a cataract removed and they covered all they said they would. I was very happy with them. The only reason I quit was because I became eligible for Medicare.


15 posted on 01/18/2018 11:22:17 AM PST by Grammy (Save the earth... it's the only planet with chocolate.)
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To: tbw2

CHM members here.

Excellent!


16 posted on 01/18/2018 11:32:02 AM PST by BBB333 (The Power Of Trump Compels You!)
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To: CottonBall

They’re operating under the same exemption as the Amish and other religious groups that eschew insurance.


17 posted on 01/18/2018 1:35:12 PM PST by tbw2
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