I think some of you are missing the big pic. I have sold a couple of these not because it's the best option but out of necessity. Why do I say that? I always offer a Major Medical first but once I know that's not a option based on a client's finances then I will advise the one of these ministry with a short term plan or a indemnity plan. I never get a commission off of the christian ministry plans I only get paid with the short term or the indemnity plan. That being said I've only sold maybe about 9 of them out of my book of over 300 clients.
Christian Health Ministries
- Thread starter MrBigD117
- Start date
- 267
Yup, obviously nobody is being forced to recommend/sell HCSMs and I assume non of us are offering anything we would not personally consider given the same scenarios as the client in front of us. I've personally been using an HCSM (Liberty Healthshare) for 3 years. I know the risks. I accept the risks. I have personal friends that have had them for years; one underwent prostate cancer trx and had everything covered--that was 6 years ago--and he still has that HCSM.
Anyone I talk to about them also knows the risks and accepts the risks. It's made abundantly clear that it is not insurance (thus no need for licensure FLM2--if it required an insurance license then it would cause more confusion: "if it's not insurance then why do you need a ins lic to sell it?"), but rather an alternative to health insurance.
It's just another tool in the toolbox. It's not my place to remove choices for my customers but rather to give them choices and let them make the informed decision based on their needs, beliefs, and budget...not mine.
Bottom line...if you can't accept the terms and principles of an HCSM then simply don't offer it. Same with any other product out there, insurance or otherwise.
Anyone I talk to about them also knows the risks and accepts the risks. It's made abundantly clear that it is not insurance (thus no need for licensure FLM2--if it required an insurance license then it would cause more confusion: "if it's not insurance then why do you need a ins lic to sell it?"), but rather an alternative to health insurance.
It's just another tool in the toolbox. It's not my place to remove choices for my customers but rather to give them choices and let them make the informed decision based on their needs, beliefs, and budget...not mine.
Bottom line...if you can't accept the terms and principles of an HCSM then simply don't offer it. Same with any other product out there, insurance or otherwise.
As Somarco said, I can't sell these, because its all about ME and I am going to sleep at night. That's me.
And as far as you selling them, if you are giving them the "real story" (Like RV), then I really think that's fine.
Its the people in the Evangelical community who are using these plans as part of "Obama is the devil and this is a way to get out of Obamacare" without really explaining the coverage that make me nutty.
You certainly have some interesting interpretations on bible verses...
- 7,012
That was a nice way of saying it haha!
superjohnadams69
Expert
- 21
I wouldn't substitute real health insurance with CMH, don't go with them. I can't help not wanting to trust a company with a religious agenda but that's just me. Plus the coverage isn't what you would get with a real health insurance company.
I'm more than happy to discuss it with either of you at anytime. Well, except in the fall. Fell free to PM me
I understand the points that you are raising about insurance coverage and they are well taken. However, equating living a Christian life with aspects of observing the Law of Moses is not the case for most people that call themselves Christian. Most Christians do not follow the law of Moses and those that do only follow certain aspects of the law.
Hence no qualms with eating pork, worshiping on Sunday not Saturday, wearing mixed garments, eating beef in a cream sauce, etc. However, CHM does put one at the mercy of their interpretation of what does it mean to live a Christian life. If your interpretation differs you may be SOL.
- 4,132
I've kinda read this thread for a while and really it just comes down to if people want to make that choice, it is theirs to make.
The right to make a stupid decision is an American value that cannot be infringed upon. If you've got somebody who is considering this, explain the differences and let them decide. If they choose poorly, console them.
About the only time I would be up in arms about something like this is if it were family, my immediate family.
I've run into people who use this form of health insurance and some of the reasons they do is it makes them feel spiritually superior to others. Am I going to talk somebody like that out of going that route? NOPE. Best of luck to ya and on to the next client.
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Let me add...
I came into this business about 30 years ago thinking I could help everybody. I learned fairly quickly not everybody wants to be helped.
I don't dwell on those who make decisions different than what I would do, does me no good and isn't going to stop them. Just better for both to move along.
The right to make a stupid decision is an American value that cannot be infringed upon. If you've got somebody who is considering this, explain the differences and let them decide. If they choose poorly, console them.
About the only time I would be up in arms about something like this is if it were family, my immediate family.
I've run into people who use this form of health insurance and some of the reasons they do is it makes them feel spiritually superior to others. Am I going to talk somebody like that out of going that route? NOPE. Best of luck to ya and on to the next client.
----------
Let me add...
I came into this business about 30 years ago thinking I could help everybody. I learned fairly quickly not everybody wants to be helped.
I don't dwell on those who make decisions different than what I would do, does me no good and isn't going to stop them. Just better for both to move along.
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