Really? You get distracted easily. Jack of all trades, or master of none?
Opting Out of Obamacare for 2019
- Thread starter verykenn
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Really? You get distracted easily. Jack of all trades, or master of none?
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Ha - not me. Was curious as to who the 5 were.
I'm only doing Ambetter in GA and SC. That's plenty to keep me busy from 5pm to 9pm.
The big 5 are:
1) Liberty
2) Samaritan
3) Christian Healthcare Ministries (CHM)
4) Christian Care Ministries (CCM)
5) Kingdom Healthshare.
The first 3 I honestly dont recommend, (Liberty, Samaritan, CHM). After I became appointed I realized they have a lot of holes and essentially defeat the purpose of insurance. For example, you have to pay your medical bills upfront then 3-6 months after you submit for a refund they'll reimburse you what THEY deem sharable. So if you are hospitlized and acquire $50k in bills they'll reimburse you maybe $30k...leaving you $20k in the hole (they dont have a network so its really whatever they decide.. on average they reimburse about 70%).
However, the two I DO like are CCM and Kingdom. You dont have to pay medical bills upfront because they both have a network. CCM I recommend for clients in their 20s and never see a doctor because it's essentially only catastrophic coverage (it doesnt cover doctor visits, labs etc.- only hospitalizations and surgeries and you have to meet your deductible first).
Kingdom is by far the most comprehensive, user friendly and mirrors traditional insurance the closest. From day one there's no charge for preventive care (i.e.: check ups, physicals, annuals, women's wellness visits, labs/diagnostic tests), Unlimited 24/7 telemedicine (free), $20 copays for urgent care, $20 co-pays for non-preventative doctor visits (i.e.: sickness, injury, infection etc) prescription coverage, specialist visits, dental/vision discounts and more. You dont have to meet your deductible before you can take advantage of those services...basically you'll only have to meet it for more serious medical situations - like a major hospitalization or surgery.
It's a lot to explain by typing... hope that makes some kind of sense! For more info, plan options, quotes, questions etc message me. Bottom line is for people/families who aren't eligible for subsidies even the best Kingdom plan is less expensive than the lowest level Bronze Marketplace plans.
You're right, but that doesn't necessarily mean what you think it does. When the ACA was passed they had the 10 Minimum Essential Coverage guidelines all insurnace companies had to adhere to. The major difference between Health share plans & traditional insurance is the 24 month waiting period for major services related to pre-existing conditions - like hospitalizations or surgeries. Traditional insurance covers pre-x immediately. Medishare itsnt for everyone, but the carriers I work with include basic coverage for pre-x immediately (ie: doctor visits, medication discounts, labs, urgent care etc.) After 24 months on the plan, pre-x are fully covered. Healthsharing plans also dont cover abortions. This is why they can't legally be called insurance, though they mirror traditional insurance in every other sense and is why they are so much more affordable. The carriers I work with are ACA approved as well.
The definition of pre-existing is "anything in the 24 months BEFORE enrolling that a member was diagnosed with, treated for, took medication for, or had surgery for".
If the day AFTER you enroll you're diagnosed with something it wouldn't be considered pre-x and you have full coverage.
Basically they're for people who aren't eligible for subsidies and who are relatively healthy.
Most of my clients have some sort of pre existing- like high blood pressure, high cholesterol, asthma, thyroid issues, arthritis etc.
I'm fully licenced, contracted through the marketplace & can enroll members in traditional insurance as well. If someone currently has cancer or any serious health issues then it isn't for them. Also there's a bunch of medishare companies out there and some have more holes in their plans than what I described, so you have to speak with an honest agent to find if it's a good option for you, and if so- what medishare company is the best for you.
You asked who i'm appointed with for medishare, i'm appointed with 5 but if you read what I posted I only really recommend and work with two
The non profit isn't huge, it helps lower the monthly premiums a bit
I was appointed with Aliera and as of Oct 1st they actually are no longer tax exempt. But Aliera was one of my favorite medishare options for sure, now I'm a huge fan of Kingdom (same CEO that got Aliera their 1st client). Basically same plan but better and is exempt
I guess if I lived in Kommie Kalifornia, I'd be forced to consider a non insurance product, since your state outlawed short term major medical plans (a better alternative to any ministry plan). But allowing "alternatives" or choice is not in the liberal dictionary.
And, I don't think covering abortions "qualifies" any plan as "insurance". Where did you pull that from?
And, I don't think covering abortions "qualifies" any plan as "insurance". Where did you pull that from?
Why would you think that?
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