|
|
 Elite Veteran
Posts: 899
  
| I thought I read on here about Christian Healthcare Ministries Insurance,but couldn't find it in the search. Does anybody have this insurance and any advice about it? Thanks |
|
| |
|
 Expert
Posts: 1631
Location: Somewhere around here | express52 - 2017-01-03 8:49 AM
I thought I read on here about Christian Healthcare Ministries Insurance,but couldn't find it in the search. Does anybody have this insurance and any advice about it? Thanks
Are you talking about "Medi-Share"? My husband and I have been with them for a few years, starting when Obama made it so everyone had to have insurance. |
|
| |
|
Gettin Jiggy Wit It
Posts: 2734
| I joined CHM about a year ago when we needed some sort of coverage because of obama care. I work part time as a dental hygienist at two offices so I dont qualify for any health insurance. I have the highest plan of a 5000 out of pocket per incident with a 45 dollar a month fee. I dont go to the doctor much, if ever, so it works perfect for me if I ever get in an accident. |
|
| |
|
Elite Veteran
Posts: 899
| Thanks for your replies. I need something for about 6 months. My BCBS went up to above $900 a month so I checked into CHM insurance. It seems like a good deal. I don't go to the Dr. that much either,just yearly check ups and mammogram. I think I will try it out! |
|
| |
|
Veteran
Posts: 246
Location: Not in Texas anymore. . . | My husband, 2 year old son, and myself are all on it and have had zero complaints! |
|
| |
|
Elite Veteran
Posts: 899
| Good to know! |
|
| |
|
I'm a Cry Baby
Posts: 3781
Location: n.c. | I have it. My son has it. No complaints here. We don't go to the Dr. very often either,
so it works good for us.
|
|
| |
|
 Elite Veteran
Posts: 823
Location: East Texas | I have to do something different with our insurance.... any more thoughts on this? |
|
| |
|
 My Heart Be Happy
Posts: 9159
Location: Arkansas | Bump |
|
| |
|
 I Don't Brag
Posts: 6960
| I would like to hear from those who HAVE had health issues and have CHCM. How much hassle has it been to negotiate with hospitals and doctors to get the insurance negotiated rates rather than the outrageous amounts that are charged without insurance. THERE to me, is the biggest contributor to the cost of medical care. I had my appendix out last year and the total charges BEFORE the insurance negotiated rate was over 50K but somehow I didn't quite reach my $7500 figure.
If I HAD reached my OOP the total cost paid with my $5999 deductible and the 80/ paid for the next $2500, the total actually paid for the procedure was $17500..... a far cry from over 50K. |
|
| |
|
Extreme Veteran
Posts: 396
| We switched to Medishare this year. I like the ministry and the program behind it. We have had a few dr visits and pharmacy so far but we also chose $7500 Annual Household portion. My biggest concern is we use 4 wheelers alot on the ranch and any atv accident without a helmet is not covered. So when I spray weeds or check cows or such I usually do not grab a helmet. |
|
| |
|
 Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | rodeoveteran - 2017-06-04 10:17 AM I would like to hear from those who HAVE had health issues and have CHCM. How much hassle has it been to negotiate with hospitals and doctors to get the insurance negotiated rates rather than the outrageous amounts that are charged without insurance. THERE to me, is the biggest contributor to the cost of medical care. I had my appendix out last year and the total charges BEFORE the insurance negotiated rate was over 50K but somehow I didn't quite reach my $7500 figure. If I HAD reached my OOP the total cost paid with my $5999 deductible and the 80/ paid for the next $2500, the total actually paid for the procedure was $17500..... a far cry from over 50K.
Isn't that crap ridiculous? My $210,000 hospital bill was negotiated down to $52,000 by the insurance company. Why can't people paying out of pocket pay the same as the insurance companies? |
|
| |
|
I just read the headlines
Posts: 4483
| Three 4 Luck - 2017-06-06 1:58 PM
rodeoveteran - 2017-06-04 10:17 AM I would like to hear from those who HAVE had health issues and have CHCM. How much hassle has it been to negotiate with hospitals and doctors to get the insurance negotiated rates rather than the outrageous amounts that are charged without insurance. THERE to me, is the biggest contributor to the cost of medical care. I had my appendix out last year and the total charges BEFORE the insurance negotiated rate was over 50K but somehow I didn't quite reach my $7500 figure. If I HAD reached my OOP the total cost paid with my $5999 deductible and the 80/ paid for the next $2500, the total actually paid for the procedure was $17500..... a far cry from over 50K.
Isn't that crap ridiculous? My $210,000 hospital bill was negotiated down to $52,000 by the insurance company. Why can't people paying out of pocket pay the same as the insurance companies?
I remember YEARS ago it was the exact opposite. My MIL needed surgery, but they didn't have insurance, so the doctor took cash and since he was going to be paid much quicker, he gave them a good discount. Insurance just boggles my mind anymore.  |
|
| |
|
Go Get Em!
Posts: 13503
Location: OH. IO | is this just good insurance if you don't go to Dr much?any additional information is appreciated |
|
| |
|
Elite Veteran
Posts: 718
Location: BOSSIER CITY, LA | I have it and am fixing to send in my first claim. So far they have been very helpful and it isnt real hard to negotiatie with the hospitals.
|
|
| |
|
Veteran
Posts: 197
| I have had it for about 5 years now, I have the middle plan with 1000.00 personal responsibility that covers only inpatient out patient hospital incidents. I have not made a claim though- so can not speak to the process. |
|
| |
|
 Hummer's Hero
Posts: 3071
Location: Smack Dab in the Middle | We have it, but have not had a claim yet. However, the gal that owns Hired Gun posted just a few days ago about her experience with them--they had TWO hospital stays since the beginning of the year--and it was nothing but positive! |
|
| |
|
Expert
Posts: 1343
Location: East Texas | Three 4 Luck - 2017-06-06 1:58 PM
rodeoveteran - 2017-06-04 10:17 AM I would like to hear from those who HAVE had health issues and have CHCM. How much hassle has it been to negotiate with hospitals and doctors to get the insurance negotiated rates rather than the outrageous amounts that are charged without insurance. THERE to me, is the biggest contributor to the cost of medical care. I had my appendix out last year and the total charges BEFORE the insurance negotiated rate was over 50K but somehow I didn't quite reach my $7500 figure. If I HAD reached my OOP the total cost paid with my $5999 deductible and the 80/ paid for the next $2500, the total actually paid for the procedure was $17500..... a far cry from over 50K.
Isn't that crap ridiculous? My $210,000 hospital bill was negotiated down to $52,000 by the insurance company. Why can't people paying out of pocket pay the same as the insurance companies?
A lot of times you can pay the same as insurance would. I work for personal injury attorneys and sometimes our clients will go get an MRI, or have some other kind of procedure and ask for the cash price. It is about 3/4ths of what it would be if they had of filed on insurance. It tends to be about the same as the insurance company would have paid after adjustments and contractual agreements with the providers. |
|
| |
|
Go Get Em!
Posts: 13503
Location: OH. IO | RockinGR - 2018-03-01 11:31 AM
We have it, but have not had a claim yet. However, the gal that owns Hired Gun posted just a few days ago about her experience with them--they had TWO hospital stays since the beginning of the year--and it was nothing but positive!
any idea on premiums per month and deductibles???I would love to have some examples of this. |
|
| |
|
Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | Ok, we ended up signing up with CHM this year because our insurance was beyond ridic. For a family of 4 on the highest level plan, it's $450/month. First $500 of an incident comes out of your pocket, the rest is paid. Basically you're paying for preventative care out of your pocket (by saving $1000/month on premiums, that's easy to afford), but if you can bundle enough things together at once, you can still get some of that paid for. Same with sick visits. The random sick visit, you'll be paying out of pocket, but if you have a lot going on at once to get you above the $500, then they start paying on it. We are responsible for negotiating a discount for paying cash, the group doesn't do it for you, although they will help you out where they can on that. The gold level pays a limited amount on pre-existing conditions for the first 3 years and then it's not considered pre-existing anymore. They have a program for catastrophic claims called Brother's Keeper. If you're a gold level, it's $75/quarter for the entire family and the coverage is unlimited. We also get a discount group drug card to help out with that.
This is a lot like what old school insurance was, where you have some responsibiltiy for yourself but are covered for anything that would be a financial burden. I researched the crap out of CHM as well as the other similar programs, talked to many people using them, and everything was positive from those with first hand experience. We chose this one because it was the best fit for our family. Their website goes into great detail explaining everything. If you're interested, I suggest visiting the site because it answered every question I had. |
|
| |
|
Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | The only even partially negative thing I found was it takes 90-120 days to get a claim paid. I don't care about that, as long as they pay like they're supposed to and I can actually afford the monthly cost. |
|
| |
|
Hummer's Hero
Posts: 3071
Location: Smack Dab in the Middle | jake16 - 2018-03-01 11:58 AM
RockinGR - 2018-03-01 11:31 AM
We have it, but have not had a claim yet. However, the gal that owns Hired Gun posted just a few days ago about her experience with them--they had TWO hospital stays since the beginning of the year--and it was nothing but positive!
any idea on premiums per month and deductibles???I would love to have some examples of this.
We have the "Gold" level coverage. It's $150 "per unit". I'm a unit, my husband is a unit, and my boys are a unit. So I have 3 units for a total of $450 for our family of 4. Coverage is $125k per incident, with a $500 out of pocket per incident. There is a cap, I don't recall what off the top of my head.
The gal that has Hired Gun posted that her claim was paid within a months time, but I don't know from personal experience. A lot has to do with their work load, how quickly you receive and submit your bills, etc.
They also have a referral program where if you are listed as a referral, and your referring pays 3 months, you get a free month! I have a friend (whom I listed as my referral) that has gotten 3 free months now in the year and a half or so that she's been with them. |
|
| |
|
  Neat Freak
Posts: 11216
Location: Wonderful Wyoming | rodeoveteran - 2017-06-04 9:17 AM I would like to hear from those who HAVE had health issues and have CHCM. How much hassle has it been to negotiate with hospitals and doctors to get the insurance negotiated rates rather than the outrageous amounts that are charged without insurance. THERE to me, is the biggest contributor to the cost of medical care. I had my appendix out last year and the total charges BEFORE the insurance negotiated rate was over 50K but somehow I didn't quite reach my $7500 figure. If I HAD reached my OOP the total cost paid with my $5999 deductible and the 80/ paid for the next $2500, the total actually paid for the procedure was $17500..... a far cry from over 50K. We just got on it 1st week of Dec 2017. We couldn't afford the $15,000 deductible to keep our insurance under $800 a month for a healthy, young family of 4 with BCBS. 2nd week of Dec my son was diagnosed with absence seizures. I called the Healthshare and asked if they would pay (it will be applied to our $1500 deductible) and they sounded like it would be covered. We just got the bill from the hospitial and the eeg was $1200, misc Dr bills $300. My worry is it will probably go on last uears deductible...and when he has to have another eeg done in June, that will be a new deductible for us. Either way, we have been very happy with them. I hear they take a long time to pay and sometimes the hospitals get to nagging for payment. We are the type that pay all bills asap so it kind of makes us nervous. We pay $450 for our family btw. It's the top level-Liberty Complete with a million or so coverage. https://libertyhealthshare.org/images/summary_of_sharing.jpg
Edited by wyoming barrel racer 2018-03-01 5:25 PM
|
|
| |
OT Christian Healthcare Ministries Insurance