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I was enrolled in Christian Healthcare Ministries when between jobs in 2014. I had no qualms about their philosophy, knowing that I would not be paying into the system of the Beast, whatever benefit I realized from the ministry.

I never did file any claim with them, but know this - and I know this is driven home repeatedly - that THESE MINISTRIES ARE NOT INSURANCE. With that in mind, know that they are NOT obligated to pay any of your claimed medical bills, either in part, or in whole. Count your contribution as a donation, not as a premium.

The groups understandably do not cover the medical consequences of an immoral life: smoking, illicit drug use, single pregnancy (unless by untimely death of husband), STD's, HIV medications, birth control or contraception, etc. And this is their reasonable right. Nor do they cover optional, unnecessary or elective procedures not critical to the life and health of the member. Cutting out all of these costs associated with the lowest-common-denominator member of the public saves massive amounts of funds to be used on other medical needs.

Up front costs need to be covered, or accounts established, before any claim is considered by the ministries, to be reimbursed upon board decision.

My level of membership was minimal, and very affordable compared to what socialist O-care wanted to charge. When I became employed again, I even contributed for a while out of benevolence, because I believed in the ministry.

Also, be aware that such ministries have been viciously attacked by the pagan left for not joining the worldly "system." The attacks are likely to increase and become more effective, especially if Trump doesn't win.

Thank you! I'm pretty comfortable with all of the conditions you've listed (and are probably common to most or all of the plans), and for some of them I absolutely love them -- like not covering abortions, contraceptives, medical costs for out-of-wedlock births, etc.

It seems like the only short-term risk is that I could have unforeseen medical expenses that they refuse to reimburse for one reason or another. In my particular situation, I may just try it for two months to get me to 2017 and see what happens. If I like what I see, I may walk away from standard medical insurance completely.

With that in mind, know that they are NOT obligated to pay any of your claimed medical bills, either in part, or in whole. Count your contribution as a donation, not as a premium.

True, but they have an excellent record of paying for claims. And if you think about how insurance companies worm out of paying, are they obligated? I checked Christian Healthcare Ministry's stats before I joined, and I feel "safer" with them than I do with a traditional insurance company.

For anyone interested, here's a link to one person's review of CHM: http://www.christianhealthcareministriesreview.com/

Sorry, don't know how to make a link.