Anyone selling Christian based medi-share plans?

Jan 29, 2019

  1. BibH
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    I'm getting solicited to sell medi share. I've done a lot of research and know the pro's and con's of them , I see a great opp to sell these as with regular health plans few can afford now. I'm actually looking at one personally and using good rx for prescriptions. For anyone selling these. What are the commissions?
     
    BibH, Jan 29, 2019
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  2. Yagents
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    Enough to buy land......... and to build a church on it. Got to give back brutha.
     
    Yagents, Jan 29, 2019
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  3. TampaHound
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    That's always been my issue with these plans. You have to go to Church every Sunday to be a member, or some other requirement.

    Will you be denied coverage if you miss Church? What happens if you leave the Church, can you still be covered?

    I also think a lot of these plans are marketed as being somehow "different" yet when you get into the fine print, it's still a insurance plan. Just worded differently. I came across one that had a 10K deductible but because it was worded differently, it was not a "deductible".

    Just another way to take advantage of the gullible.
     
  4. Northeast Agent
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    I don't think E&O covers these, as they aren't "insurance."
     
  5. BibH
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    So has anyone sold any? I thought you just have to say you go to church?Com'on who the heck can afford $2k a month for a family plan?Its an alternative to have some coverage
     
    BibH, Jan 29, 2019
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  6. TampaHound
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    I'm sure someone is, and I remember a similar discussion some time ago on a similar product (A Christian Medicare product maybe???).

    My issue with this product was always the unknown. That and they seemed to be sold as a "political" product as well. I'm sure they would work for someone.
     
  7. LostDollar
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    Start by putting medishare in the search box. You will see some discussions and those will give you other search options s too.
     
  8. rousemark
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    They pay a premium but don't they also have to "share" in expenses over a certain amount that a member might incur? If that be the case, how would the amount they pay out be a lot less than the health insurance premium? Especially as the membership ages?
     
  9. Dave020
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    Dave020 Super Moderator Moderator

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    Most of the sharing ministry plans have the "premium" payment sent to affected members directly. Each month the invoice will tell them who to send the payment to. 11 out of 12 months are sent directly to other members, the 12th month premium is sent to the ministry.

    OP Should look at Aliera as well as CHM or Medi-Share. Aliera functions very much like health insurance and sharing is paid out internally instead of directly by the members. 15% commission and Aliera has non-insurance E&O coverage available for $150 per year.

    Aliera is not denominatoinally based like the other sharing programs.
     
    Dave020, Jan 29, 2019
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  10. Corpuschristi
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    I sell Aliera, has extensive PPO network in our area. Good commisions, works similar to health insurance, clients can call concierge service to set appointments and find specialists, much lower pricing than most other off exchange plans. There is a two year waiting period on preexisting conditions, you don't have to be Christian but must attest to believe in a "higher power".

    I will offer Aliera option to those that:
    1 Are in good health
    2 Will not qualify for ACA subsidy
    3 Can't afford traditional health insurance
     
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