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The conclusion of our research to affordable, quality health "insurance": 
Christian Healthcare Ministries (CHM) A Christian non-profit organization

Christian HealthCare Ministries (or CHM) is the answer and conclusion in this research to affordable, quality health "insurance" (it's an insurance alternative) without a high deductible. They really have exceeded my expectations. Now that we are members over six years, we had a total of 8 claims. From pregnancy and birth of our son in 2016 to numerous ER visits and also some surgeries.

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Every single bill we submitted for every claim, from A to Z was paid for to the penny. With the Gold plan we never ended up paying anything out of our own pocket (well we did, but got fully reimbursed). 

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There are many other "Health Sharing" organizations these days. Many of them have no real reputation and are very "commercial", they are in it to make money and/or they are advertising on the radio/tv all the time (which you pay for in your monthly share/premium). There is nothing like an honest, non-profit Christian organisation like Christian Healthcare Ministries.

 

 Why Christian Healthcare Ministries?

  • You can use any doctor, specialist, medical facility or Hospital

  • Low monthly cost (in the 5 year scenario mentioned earlier on this website, CHM is nearly $9K less expensive than Medi-Share)

  • The Gold level has $1,000 (PR - Personal Responsibility per year) for bills over $1,000 per medical event

     No more worries about a high deductible

  • Excellent Maternity program

  • No restrictions based on age, height, weight, or location

  • Pre-existing conditions are covered as well (see FAQ below)

  • Talk to a US Licensed Doctor 24/7 online (telemedicine) at no additional charge

  • Incident related medicine included

  • Therapy and Home Healthcare included

  • Cataract surgery, Colonoscopy etc. included after PR

  • Skilled Nursing Facility Rehab (SNF) included

  • Congenital conditions included, see guidelines

  • Easy online claims

  • Spiritual support, all CHM members are like a church family. We pray and support each other

  • Excellent Customer Care

  • Works also if you already have Medicare (no need for an expensive secondary insurance)

  • Reliable not-for-profit organization since 1981

  • No Tax penalty! Christian Healthcare Ministries is exempted

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ALSO: Christian Healthcare is very careful and wise how they spend your money! Medi-Share spends

a LOT of the members money (your money) on advertising -radio, online ads etc.

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