If you’re a Christian looking for an alternative to traditional health insurance, you may have encountered two popular options: Medi-Share and Christian Healthcare Ministries (CHM). These organizations offer healthcare-sharing ministries that allow members to share medical expenses with others who share their beliefs. However, there are some critical differences between the two that you should be aware of before making a decision.
Medi-Share is a program offered by Christian Care Ministry, a nonprofit organization that has existed since 1993. It operates as a health sharing ministry, where members pay a monthly share amount that is used to pay for the medical expenses of other members. In return, members can submit their medical bills to be paid by the group. Medi-Share is available to Christians who agree to live a healthy lifestyle and abide by certain moral and ethical standards.
On the other hand, Christian Healthcare Ministries is a nonprofit organization that has been around since 1981. It operates as a healthcare cost-sharing ministry, where members pay a monthly share amount that is used to pay for the medical expenses of other members.
Members can submit their medical bills to be paid by the group, and there are no restrictions on pre-existing conditions or lifestyle choices. However, CHM does require members to agree to certain moral and ethical standards, such as abstaining from tobacco and illegal drugs.
Table of contents
- Overview of Healthcare Sharing Ministries
- Medishare and Christian Healthcare Ministries Comparison
- Membership Requirements and Guidelines
- Plan Options and Contributions
- Coverage and Benefits
- Network and Provider Access
- Member Responsibilities and Cost Sharing
- Advantages and Challenges
- Additional Services and Features
- Comparison with Traditional Health Insurance
- Choosing the Right Health Share Plan
- Legal Considerations and Exclusions
Overview of Healthcare Sharing Ministries
If you want an alternative to traditional health insurance, healthcare sharing ministries might be viable.
Healthcare-sharing ministries facilitate sharing medical expenses among members who share common beliefs and values. Medi-Share and Christian Healthcare Ministries are two of the most prevalent healthcare sharing ministries.
Definition and Purpose
Healthcare sharing ministries are not insurance companies; they are nonprofit organizations that facilitate the sharing of medical expenses among members.
Members pay a monthly share amount, which is used to cover the medical expenses of other members who have medical needs. Healthcare sharing ministries aim to provide a more affordable and community-based approach to healthcare.
Biblical Principles and Statement of Faith
Healthcare sharing ministries are based on biblical principles and require members to adhere to a statement of faith. Members are typically required to be Christians and agree to live a healthy lifestyle. The statement of faith outlines the beliefs and values of the organization and provides guidelines for members to follow.
For example, Christian Healthcare Ministries requires members to agree to the following statement of faith: “We believe in one God, eternally existing in three persons: Father, Son, and Holy Spirit. We believe that Jesus Christ is the Son of God, was born of a virgin, was crucified, died, was buried, and rose again on the third day. We believe that the Bible is the inspired and infallible Word of God and is the final authority for faith and practice.”
In summary, healthcare sharing ministries offer an alternative to traditional health insurance based on biblical principles and community-based sharing. If you are considering joining a healthcare sharing ministry, it is important to carefully review the statement of faith and understand the guidelines and requirements for membership.
Medishare and Christian Healthcare Ministries Comparison
are, and Christian Healthcare Ministries are two popular choices for alternative healthcare optionsof. These organizations offer healthcare sharing ministries that allow members to share medical expenses. However, there are some key similarities and distinct differences between the two.
Key Similarities
Neither Medi-Share nor Christian Healthcare Ministries are health insurance providers. Instead, they are healthcare sharing ministries that allow members to share medical expenses. Members pay a monthly share amount, which is then used to pay for eligible medical expenses of other members.
Another similarity is that both organizations require members to adhere to certain religious beliefs. Medi-Share requires members to attend church regularly, while Christian Healthcare Ministries requires members to be Christians who adhere to certain biblical principles.
Distinct Differences
One distinct difference between Medi-Share and Christian Healthcare Ministries is how they handle pre-existing conditions. Medi-Share has a pre-existing conditions program, allowing members to receive coverage for certain conditions after a waiting period. Christian Healthcare Ministries, on the other hand, does not cover pre-existing conditions.
Another difference is the way the organizations handle medical cost sharing. Medi-Share has a set amount that members must pay before medical expenses are eligible for sharing. On the other hand, Christian Healthcare Ministries has a tiered system where members pay a certain percentage of their medical expenses depending on their membership level.
Both Medi-Share and Christian Healthcare Ministries offer unique healthcare sharing options for those seeking alternative healthcare options. It is essential to carefully consider the similarities and differences of each organization before making a decision.
Membership Requirements and Guidelines
When considering healthcare sharing ministries, it is essential to understand the membership requirements and guidelines. This section will discuss the membership requirements and guidelines for Medishare and Christian Healthcare Ministries.
Statement of Faith and Lifestyle
Medishare and Christian Healthcare Ministries require members to adhere to a statement of faith and lifestyle. Medishare requires members to be practising Christians who attend church regularly and live a biblical lifestyle.
Similarly, Christian Healthcare Ministries requires members to be committed Christians who attend church regularly and live a biblical lifestyle.
Acceptance of Pre-Existing Conditions
Medishare and Christian Healthcare Ministries have different guidelines for pre-existing conditions. Medishare accepts members with pre-existing conditions but may have limited coverage. Christian Healthcare Ministries does not accept members with pre-existing conditions but has a prayer and share program for those who need assistance with medical bills.
In conclusion, understanding the membership requirements and guidelines of healthcare sharing ministries is essential before joining. Medishare and Christian Healthcare Ministries require members to adhere to a statement of faith and lifestyle, but their guidelines for pre-existing conditions differ.
Plan Options and Contributions
Annual Household Portion
Both Medishare and Christian Healthcare Ministries require their members to pay an annual household portion before their medical bills can be shared. This is similar to an insurance deductible.
Medishare offers three annual household portions: $1,000, $3,000, and $5,000. Christian Healthcare Ministries offers a similar option, with three different levels: $500, $1,000, and $5,000.
Monthly Contribution Price Range
Medishare and Christian Healthcare Ministries offer different plans with various monthly contribution prices. Medishare offers three different plans: Gold, Silver, and Bronze.
The monthly contribution price for the Gold plan is the most expensive, ranging from $375 to $1,500, depending on the age of the oldest applicant. The Silver plan is less expensive, ranging from $250 to $1,000 per month, and the Bronze plan is the most affordable, ranging from $150 to $600 per month.
Christian Healthcare Ministries also offers three plans: Gold, Silver, and Bronze. The monthly contribution price for the Gold plan is the most expensive, ranging from $150 to $450, depending on the age of the oldest applicant. The Silver plan is less expensive, ranging from $85 to $255 per month, and the Bronze plan is the most affordable, ranging from $45 to $135 per month.
It’s important to note that the monthly contribution price range for both Medishare and Christian Healthcare Ministries can vary based on the age and health status of the applicant. Additionally, both organizations offer discounts for members who commit to a longer membership term.
Both Medishare and Christian Healthcare Ministries offer affordable plan options with varying monthly contribution prices to fit different budgets. It’s important to carefully review each plan option and their associated costs before making a decision.
Coverage and Benefits
Regarding healthcare sharing ministries, coverage and benefits are essential factors to consider. Medishare and Christian Healthcare Ministries (CHM) offer different levels of coverage and benefits to their members.
Routine and Preventative Care
Both Medishare and CHM cover routine and preventative care, such as annual check-ups, vaccinations, and screenings. However, Medishare offers more comprehensive coverage for routine care, including coverage for chiropractic care, physical therapy, and acupuncture.
Maternity and Newborn Coverage
Maternity and newborn coverage is an important consideration for families. Medishare and CHM offer maternity coverage, but Medishare provides more comprehensive coverage for prenatal, delivery, and postnatal care.
Additionally, Medishare covers newborn needs, including well-baby check-ups and immunizations.
Incident and ER Visits
Both Medishare and CHM cover incident and emergency room visits. However, Medishare offers more comprehensive coverage for emergency care, including coverage for ambulance services and emergency room fees.
Cancer and Major Medical Events
Cancer and major medical events can be costly, and Medishare and CHM provide coverage for these events. Medishare offers more comprehensive coverage for cancer treatment, including coverage for radiation therapy, chemotherapy, and surgery.
Both Medishare and CHM provide coverage for routine care, preventative sharing, maternity, newborn, ER, and cancer.
However, Medishare offers more comprehensive coverage for these types of events. It is important to consider the coverage and benefits offered by Medishare and CHM before choosing a healthcare sharing ministry.
Network and Provider Access
When choosing between Medishare and Christian Healthcare Ministries, network and provider access are the most important factors to consider.
Here’s what you need to know:
PPO Networks and Provider Choices
Medishare offers access to a PPO network of providers, which means you can choose from a wide range of doctors and hospitals. However, it’s important to note that some providers may not be in-network, which could result in higher out-of-pocket costs.
Christian Healthcare Ministries, on the other hand, does not have a PPO network. Instead, members can choose any provider they wish if they meet specific criteria. While this gives members more flexibility, it can also make finding providers accepting CHM’s payment model harder.
Telehealth Services
Medishare and Christian Healthcare Ministries offer telehealth services, allowing members to consult with healthcare providers remotely. This can be a convenient option for minor health issues or follow-up appointments.
Medishare’s telehealth services are provided through Teladoc, which offers 24/7 access to licensed healthcare providers. Christian Healthcare Ministries partners with MDLIVE, providing 24/7 access to healthcare providers.
Overall, both Medishare and Christian Healthcare Ministries offer network and provider access options, but the specifics differ. It’s important to weigh the pros and cons of each before making a decision.
Member Responsibilities and Cost Sharing
Regarding healthcare cost sharing, Medishare and Christian Healthcare Ministries require members to contribute a certain amount towards medical bills. This is known as the member responsibility amount.
Member Responsibility Amounts
Medishare requires its members to pay a monthly share amount, which varies based on the member’s age, gender, and whether they use tobacco.
Members are also responsible for paying an annual household portion (AHP) before any medical bills can be shared. The AHP varies based on the member’s membership level and ranges from $500 to $10,000.
On the other hand, Christian Healthcare Ministries requires its members to pay a monthly share amount, which also varies based on the member’s age and membership level. Members are responsible for paying an annual household portion (AHP) before any medical bills can be shared. The AHP ranges from $1,000 to $5,000, depending on the membership level.
Deductibles and Personal Responsibility
In addition to the member responsibility amount, Medishare and Christian Healthcare Ministries require their members to pay a deductible and personal responsibility amount. The deductible is the amount of money a member must pay out of pocket before medical bills can be shared. The personal responsibility amount is the amount a member must pay towards their medical bills before cost sharing kicks in.
Medishare has a $1,000 deductible per person, per year, with a maximum of three deductibles per family. The personal responsibility amount ranges from $0 to $8,000, depending on the membership level.
Christian Healthcare Ministries has a $500 deductible per person per incident, with a maximum of three deductibles per family. The personal responsibility amount ranges from $500 to $5,000, depending on the membership level.
In conclusion, Medishare and Christian Healthcare Ministries require their members to contribute towards medical bills through a member responsibility amount, deductible, and personal responsibility amount. It is important to carefully consider these costs when choosing a healthcare cost sharing ministry.
Advantages and Challenges
Pros and Cons
There are several advantages and challenges when choosing between Medishare and Christian Healthcare Ministries. Both healthcare sharing ministries offer affordable healthcare options for their members but differ in their approach and requirements.
One advantage of Medishare is that it offers a wider range of healthcare services, including mental health and maternity care. Medishare also has a lower annual household portion (AHP) than Christian Healthcare Ministries, meaning members must pay less out of pocket before their medical bills are eligible for sharing.
On the other hand, Christian Healthcare Ministries has a lower monthly share amount than Medishare, which makes it a more affordable option for some families.
Christian Healthcare Ministries also offers a variety of programs, including a prayer and encouragement program and a catastrophic bill program, which can provide additional support to members in need.
Reviews and Member Experiences
Reviews of both Medishare and Christian Healthcare Ministries are mixed, with some members praising the affordability and quality of care, while others have had negative experiences.
Some Christian Healthcare Ministries members have reported issues with the claims process and delays in receiving reimbursements, while some Medishare members have expressed frustration with the limited network of providers.
It’s important to research and read reviews from current and former members before deciding. Remember that experiences can vary widely depending on individual circumstances and healthcare needs.
Both Medishare and Christian Healthcare Ministries offer affordable healthcare options for those looking for an alternative to traditional health insurance. It’s important to weigh the pros and cons and consider your healthcare needs before deciding.
Additional Services and Features
Dental and Vision Discounts
Medishare and Christian Healthcare Ministries offer their members discounted dental and vision services. Medishare offers discounts through its partnership with Careington Dental and VSP Vision Savings Pass.
Members can save up to 50% on dental services and up to 15% on vision services. Christian Healthcare Ministries offers discounts through its partnership with DentalPlans.com and EyeBenefits. Members can save up to 60% on dental and 40% on vision services.
Assistance Programs
Medishare offers additional assistance programs to its members, including access to telemedicine services and a Health Incentive program. The Health Incentive program allows members to earn rewards for participating in healthy activities, such as completing a health assessment or a wellness program.
Christian Healthcare Ministries offers a prayer and encouragement program where members can request prayer and support from other members.
Medishare and Christian Healthcare Ministries offer additional services and features to their members. Reviewing these options and choosing the plan that best fits your needs is important.
Comparison with Traditional Health Insurance
Affordable Care Act Compliance
Medishare and Christian Healthcare Ministries are not traditional health insurance plans but comply with the Affordable Care Act (ACA). This means that members of these programs are exempt from the ACA penalty for not having traditional health insurance.
However, it’s important to note that these programs are not considered insurance and do not provide the same level of coverage as traditional health insurance plans. Members of these programs are responsible for paying their medical bills, and coverage has certain limitations and exclusions.
Monthly Premiums and Annual Costs
One of the most significant differences between Medishare and Christian Healthcare Ministries and traditional health insurance plans is the cost. Monthly premiums for these programs are often much lower than traditional health insurance plans, making them a more affordable option for many people.
In addition to lower monthly premiums, these programs often have lower annual costs. Members are responsible for paying a portion of their medical bills, but these programs often have caps on how much members pay each year. This can provide peace of mind and financial security for members.
While Medishare and Christian Healthcare Ministries may not provide the same level of coverage as traditional health insurance plans, they can be a more affordable option for many people. It’s important to consider your options carefully and choose the plan that best fits your needs and budget.
Choosing the Right Health Share Plan
When choosing a health share plan, select the one that best fits your individual or family’s needs. Two popular options are Medishare and Christian Healthcare Ministries. Here’s what you need to know to make the right decision.
Individuals and Families
Both Medishare and Christian Healthcare Ministries offer plans for individuals and families. Medishare offers plans for individuals, couples, and families, while Christian Healthcare Ministries offers plans for individuals, couples, and families with children.
If you’re looking for a plan with a lower monthly cost, Medishare may be the better option. However, Christian Healthcare Ministries may be a better fit if you have children and are looking for a plan that covers maternity costs.
Comparison Guide and Price Points
To help you compare the two plans, here’s a breakdown of their key features and price points:
| Feature | Medishare | Christian Healthcare Ministries |
|---|---|---|
| Monthly Cost | Varies based on plan and household size | $150 for individuals, $300 for couples, $405 for families with children |
| Annual Household Portion | Varies based on plan and household size | $500 for individuals, $1,000 for couples, $1,500 for families with children |
| Maternity Coverage | Available with certain plans | Available with all plans |
| Prescription Drug Coverage | Available with certain plans | Available with all plans |
| Telemedicine | Available with certain plans | Not available |
Remember that both plans have certain restrictions and requirements, such as adhering to a Christian lifestyle and not smoking.
Best Health Share Plans
Ultimately, the best health share plan for you will depend on your individual or family’s needs and budget. When deciding, consider factors such as monthly cost, annual household portion, and coverage options.
Legal Considerations and Exclusions
Healthcare Sharing Ministries and the Law
As healthcare sharing ministries, Medishare and Christian Healthcare Ministries (CHM) are not insurance companies and, therefore, not subject to insurance regulations. However, they do operate under specific legal considerations. For instance, both organizations are exempt from the Affordable Care Act’s mandate, which requires individuals to have health insurance or pay a penalty. Medishare and CHM are also recognized as tax-exempt organizations under the Internal Revenue Code.
Exclusions and Limitations
It is important to note that healthcare sharing ministries are not guarantee unlimited coverage. Medishare and CHM have certain exclusions and limitations you should be aware of before enrolling. For example, Medishare does not cover pre-existing conditions for the first three years of membership, and CHM has a lifetime limit of $125,000 for each medical incident.
Furthermore, both organizations have exclusions for specific medical procedures and treatments, such as cosmetic surgery or experimental treatments. It is important to carefully review each organization’s specific guidelines and limitations before enrolling to ensure that you fully understand what is covered and what is not.
In conclusion, while healthcare sharing ministries like Medishare and Christian Healthcare Ministries offer an alternative to traditional health insurance, it is important to understand the legal considerations and exclusions associated with these organizations.
By carefully reviewing the guidelines and limitations of each organization, you can make an informed decision about whether healthcare sharing is the right option for you and your family.
