3 Reasons Why We Love Christian Healthcare Ministries
As small business owners, we know the struggle of keeping health insurance is real. But it doesn’t have to be. That’s why we thought we’d share a little about Christian Healthcare Ministries and our experience as members since 2016.
Christian Healthcare Ministries prides itself as “an affordable, biblical, and compassionate healthcare cost solution for Christians in all 50 states and around the world. We’re not health insurance; rather, we're the first and longest-serving health cost sharing ministry, having shared more than $3.5 billion in our members’ medical bills.”
We have found their tiered system of coverage (bronze, silver, and gold) to be a flexible and affordable healthcare option for our growing family.
CHRISTIAN HEALTHCARE MINISTRIES: COVERAGE WHILE PREGNANT
We were members of CHM when we had our second and third child. Because I was on the gold level of care and received a cash-pay discount — that met the $500 personal responsibility with my healthcare providers — we received 100% coverage of prenatal and delivery care. This was especially helpful to us, as we had all three kiddos with midwives. (Our firstborn came along in 2015 when we were under conventional healthcare insurance, and midwife care was not covered.)
CHRISTIAN HEALTHCARE MINISTRIES: COVERAGE FOR A BROKEN LEG
In 2017, our oldest broke his femur and the hospital bill for a spica cast and a one-night stay was over $30,000. We ended up getting a cash-pay discount (because we asked!) bringing it down significantly. Because our son was under CHM’s silver level of care, we were only out of pocket $1,000 ourselves, and CHM reimbursed us for the rest of his medical bills.
HEALTHCARE COVERAGE FOR THE SELF-EMPLOYED
For typical medical incidents that are under the threshold of shareable expenses, we either try to cashflow it in our monthly budget or use savings. If you select gold coverage, that’s $500 personal responsibility or $1,000 for silver.
We are thankful that being self-employed doesn’t mean choosing between healthcare insurance that is impossible to afford or no coverage at all.
We have great peace of mind knowing that not only are we helping other Christian families with their medical expenses with our gift each month, but also our family is covered should big medical expenses arise.
For information about how to join, visit chministries.org.
IF YOU BECOME A CHM MEMBER, PLEASE CONSIDER MENTIONING US (MEMBER #272500) AS THEY’LL GIVE US ONE MONTH OF FREE MEMBERSHIP AFTER YOUR THIRD MONTHLY GIFT.
