Christian Health Ministries

[somarco]

hospital indemnity plan and a critical illness policy

CHM pays 2nd to any insurance plan. I believe the answer is no. And unless you have a Gold plan you have no Rx cover.

That's scary.

 

[HoosierLife]

CHM pays 2nd to any insurance plan. I believe the answer is no. And unless you have a Gold plan you have no Rx cover. That's scary.

OK. I know that there are other plans other than CHM. Samaritan something or another and another one that I can't remember the name at all.

Is there a time limit on when you can file on a hospital indemnity claim?

 

[Yagents]

You know it's over when agents throw up their hands, and buy any of these NON insurance plans.

I have a pre-existing porn condition, so I'm out.

 

[txagt39]

I am mostly a FE agent. But I am looking at alternatives to BC/BS. I ran across CHM through a friend of mine. Can any of the experts out there give me any thoughts?

This has been a hot topic for agents operating in Texas via the Tahu Cafe. Many agents have lost business to these Christian Ministries health plans. I lost one to Medi-share. I looked at the coverage and went over all the areas of concern to me and the client addressed each one with the Medi-Share folks who successfully addressed every concern. She went with them despite her having a chronic medical condition and all it's limitations. You have to walk on water to qualify and how they monitor this would be an interesting read. Not many folks will qualify due to drinking, smoking, church absences, etc. I warned her beforehand it clearly had a lot of uncertainty and no assurance that it would be there when most needed but she felt comfortable enough to move forward. Other agents shared the same concerns and shared experience losing accounts but until enough folks have a negative outcome the savings will still get them marketshare.

 

[somarco]

Obamacare is causing people to get religion.

I would not be so concerned about the entry requirements. You might be surprised at how many can pass the entrance exam, especially in the Bible Belt.

My concern is more on the back end. This is especially true with plans that impose annual limits and no Rx coverage.

And then you have the issue of claim adjudication. Do they post-underwrite and deny your claim if they discover you took up drinking and fornication?

 

[kgmom219]

Obamacare is causing people to get religion.

I would not be so concerned about the entry requirements. You might be surprised at how many can pass the entrance exam, especially in the Bible Belt.

My concern is more on the back end. This is especially true with plans that impose annual limits and no Rx coverage.

And then you have the issue of claim adjudication. Do they post-underwrite and deny your claim if they discover you took up drinking and fornication?

This. 100% on all accounts.

It especially concerns me on "scheduled surgery" or "high dollar claims". I know what the big Oncology center in Dallas says when you call them with this crap: "We need $50K before treatment begins".

 

[AllenChicago]

Obamacare is causing people to get religion.

It's ironic that Obama himself would be declined by CHM for smoking.

 

[somarco]

He gave up smoking.

No, wait. He lied about that too.

 

[TN_agent]

I have lost three in the last week to these health-share ministries

(off exchange people).

They have just been priced out of the market and they are willing to take the risks. Sucks for us.

 

[bluediamond]

I gained a client today that was on a chm plan last year. They were sold a bill of goods, even had gold plan on the card, but it was nothing but a discount plan where they tried to negotiate the price down. Well the guy ran up $60,000 of medical bills last year even with their so called discount and chm said there is nothing we can do. They also would not pay for preX which they did not understand since obamacare was suppose to pay.

I don't know why the DOI's allow this crap.