Faith based medical expense sharing organizations

Apr 15, 2018

  1. Daniel J Topolski
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    Daniel J Topolski New Member

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    Yeah to add me to her insurance is almost $600 just for me.

    So doing one of the above options at $211 to $240 is much better option and all we can afford.
     
  2. David Block
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    David Block Expert

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    Wow ... $600 per month?!? I don't even want to know what a family plan would run. As I mentioned earlier, all of us need to make decisions and unfortunately, yours involves health insurance. So again, I say to you, explore your options but make certain you are aware of the limitations (and benefits) of whatever you select. I wish you all the best!
     
  3. somarco
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    somarco GA Medicare Expert

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    Until Obamacare came along wellness visits, AKA annual physical, was usually not covered.
     
    somarco, May 21, 2019
    #23
  4. mudhound
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    mudhound Guru

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    I joined CHM years ago.
    So far i have had 2 Major claims. Both, paid in full
    Now, as far as "selling" it. NOPE!
     
  5. Sherota1
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    Sherota1 Super Genius

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    I get text and emails all the time from Health Sharing Organizations. Medi Share, Kingdom Health Share which is now One Share Health LLC. I attended a webinar for Kingdom Health Share before they changed their name out of curiosity. My honest opinion is are they now using funds that should be designated for their paying members to recruit insurance agents? Are their members okay with these new arrangements? Will these non-profits become underground for profit organizations? They emphasize high commissions as their #1 lure for agents and brokers, which is what many feel is our main motivation which is not true in many cases.

    The plans look like pseudo insurance plans which would be hard to distinguish for the average person. They offer their own E&O insurance for $160 which all insurance agents who contract with them must purchase. I have not found a sample policy so I don't know the level of coverage they offer.

    They were vague but basically alluded to the fact that you just need to accept their mission statement in order to sign up.

    Aliera is in a lawsuit and is being accused of operating as an unlicensed insurance company.

    SCAM ALERT: Washington State & New Hampshire warn about "Healthcare Sharing Ministry" frauds

    Some people have benefited from these arrangements despite the fact that they do not provide the same "protections" that traditional insurance is suppose to provide. I don't sell these but using them is a personal choice. It's extremely important that people know what they are getting into. There is nothing that provides a 100% safety net.
    The best ones to comment on the effectiveness of a plan are the end users. Listen to both the good and the bad and cautiously make your own decision. Any agent who decides to sell these are taking a risk but that can be said of any product.

    This is a good site to look at for those who might be considering this option

    Healthsharing Reviews | Liberty Healthshare Reviews and more.

    This is their Facebook Review Page:
    HealthSharing Reviews Group Public Group | Facebook
     
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