Christian Health Insurance Groups: Alternative to Insurance Companies

If you are worried about health insurance scams, an understandable thing considering how there are fraudulent companies out there, you might want to check out this Christian health care alternative where members contribute to pay for each other’s health care bill.

Admittedly, there would still be risks involved (there’s no ain’t thing as a risk-free anything, you know) but we think it is an alternative worth exploring. As a member quoted below says, you will be sending your money to the people who need them not to some insurance company.

Health insurance ministry members pay claims directly to other believers

From Kansas City:

When Jeff Masters had $30,000 in medical bills after getting bladder cancer, he didn’t pay through conventional insurance. Instead, he had thousands of fellow Christians foot the bill.

Masters, who lives in Fort Lauderdale, Fla., is part of a growing number of Americans who are members of faith-based “health sharing ministries” where members directly pay for each others’ medical bills. Members also pray for each other, and a “get well” card from a stranger isn’t uncommon.

National healthcare reform will force millions of Americans to buy insurance or face fines, but a little-noticed provision excludes people like Masters who belong to such groups.

For $533 a month paid through Medi-Share, a service of Melbourne, Fla.-based Christian Care Medical Sharing, Masters gets coverage for himself, his wife and two daughters. That’s almost one-third what the self-employed financial planner once paid for insurance.

Medi-Share members agree to a “biblical lifestyle” that includes regular church attendance and no sex out of marriage. They agree to healthy habits: no smoking or illegal drugs and no alcohol abuse. Abortion and birth control are not covered. Members who are overweight can be denied coverage. The fit ones get discounts.

“It’s a way to motivate people who are on the same page in their beliefs to take care of themselves and be proactive in their health,” says Masters, who attends Coral Ridge Presbyterian Church in Fort Lauderdale.

Each month, money is automatically withdrawn from his bank account to pay the expenses of other members, and he gets a statement telling him who he has helped. Recently, that included a middle-aged man with the stomach flu and a woman who had just given birth. When he checks his account online, he can see prayer requests for the sick.

“I like that I am supporting my Christian brothers and sisters,” said Masters, who joined Medi-Share a decade ago.

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