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What's the deal with those?
I had lost a few to those in the past, Not a big number
I rememeber one in particualr she would complain about her med sup premium and everytime I brought up MA she would come back with I dont trust them I cant deal with uncertiantly I dont want to be left holding the bag
And one day she calls me to cancel her supp because she got some self pa plan through a Christian organization she was super confident about
Nothing I could say to make her think twice about it
Jesus is going to win that one every time.
Its a "cost sharing plan", for people who are associated in some manner.
If I remember correctly, at one point it was only for religious based affiliations. Now it can be "lifestyle" based, so there are a few "healthy living" Cost Sharing Plans out there.
The idea is that people who dont do "bad things" stay healthier and its a lower risk pool.
Claims can be denied if too large.
Claims can be denied of they have no money.
Claims can be denied if it was due to a "lifestyle choice" that you agreed to not partake in.
No regulatory oversight.
Arbitration is often in the contract.
etc. etc.
In reality, hospitals are filled to the brim with people of the christian faith. And of all religions.
But for some, they choose to believe the lies regardless of the proof in front of them in their daily lives.
Lower premiums and false promises make people do dumb things sometimes.