Christian health insurance
- Thread starter Greg
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Scott Bushey
Puritanboard Commissioner
Well, there goes the neighborhood!
mgeoffriau
Puritan Board Freshman
Yeah. I looked into, because the cost is very reasonable.
But two problems.
One, I have health insurance through work, but it's too expensive to add my wife under that policy.
But -- Medi-Share won't let a married woman sign up for an individual policy. So that wasn't an option.
I considered getting a policy for both of us, and canceling my work health insurance (and taking the resulting pay raise and putting it towards Medi-Share). But the tobacco was the kicker. I have used tobacco products occasionally in the last 12 months.
Didn't work for me. If you fit their requirements, then it might be a good deal. I always felt a little nervous reading through all the disclaimers about it not being true health insurance.
But two problems.
One, I have health insurance through work, but it's too expensive to add my wife under that policy.
But -- Medi-Share won't let a married woman sign up for an individual policy. So that wasn't an option.
I considered getting a policy for both of us, and canceling my work health insurance (and taking the resulting pay raise and putting it towards Medi-Share). But the tobacco was the kicker. I have used tobacco products occasionally in the last 12 months.
Didn't work for me. If you fit their requirements, then it might be a good deal. I always felt a little nervous reading through all the disclaimers about it not being true health insurance.
Pilgrim
Puritanboard Commissioner
I think there are one or two other groups that have similar set ups. It's basically an alternative to high priced individual major medical for families, where the cost is often prohibitive. I might consider something like this if I couldn't get anything else.
These groups technically do not offer insurance, although they've had problems with insurance commissioners in some states who have charged that what they're doing is tantamount to selling insurance. Basically they pool their money and attempt to pay the medical bills of their members. I don't think there is a guarantee or promise to pay like there is with actual insurance.
These groups technically do not offer insurance, although they've had problems with insurance commissioners in some states who have charged that what they're doing is tantamount to selling insurance. Basically they pool their money and attempt to pay the medical bills of their members. I don't think there is a guarantee or promise to pay like there is with actual insurance.
Chris is correct. Such programs are not insurance and will not qualify you under medical deductions on your income tax. However, the lower costs associated with health-care co-op may offset that downside.
In many ways our family has found this arrangement of great benefit. Regular insurance may be preferable for a person or family provided that your need for insurace, or the fact that it is provided for you on a cost-beneficial basis, makes the guarantee-of-coverage (by law) attractive.
I belong to a similar group to the forementioned (which I like better--but to each he preference), named Samaritan Ministries, web site: http://www.samaritanministries.org
In many ways our family has found this arrangement of great benefit. Regular insurance may be preferable for a person or family provided that your need for insurace, or the fact that it is provided for you on a cost-beneficial basis, makes the guarantee-of-coverage (by law) attractive.
I belong to a similar group to the forementioned (which I like better--but to each he preference), named Samaritan Ministries, web site: http://www.samaritanministries.org
Ambrose
Puritan Board Freshman
I don't know anything about Medi-Share, but Samaritan has a good program.
I am going to join soon. I'll be quitting the cigars, sadly, but unfortunately they do not require the glutton to give up his Krispy Kremes.
Which I think is good, as it complies with the Westminster Larger Catechism which states that "avoiding unnecessary lawsuits and suretyship, or other like engagements" is a duty required in the eighth commandment.
I am going to join soon. I'll be quitting the cigars, sadly, but unfortunately they do not require the glutton to give up his Krispy Kremes.
Which I think is good, as it complies with the Westminster Larger Catechism which states that "avoiding unnecessary lawsuits and suretyship, or other like engagements" is a duty required in the eighth commandment.
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