Did you know that there’s a more affordable alternative to health insurance for keeping your family healthy? Faith-based health plans, open to people of any faith and/or who believe in a higher power, are becoming increasingly popular due to their convenience and affordability. If you’re looking for a solution to the rising cost and complexity of health insurance, you owe it to yourself to learn more about this innovative alternative.
Faith-based health plans are offered by organizations called health care sharing ministries. Members of these nonprofit organizations, who share common religious or ethical beliefs, pool their money to pay each other’s medical costs. Faith-based plans aren’t new — they have been around for decades — but they are definitely growing in number and popularity. Today, more than 1 million people nationwide are members of health care sharing ministries. Here’s why:
Faith-based health plans are often less expensive than health insurance. The more than 100 health care sharing ministries operating nationwide do not “insure” individuals and families. Instead, they “share” healthcare costs among members. Members of these organizations pay a monthly fee that is typically less than a health insurance premium. Each family’s monthly contribution to the ministry depends on the number of members in their household and the type of membership plan that is selected. After receiving medical care, members submit a claim for approval. If the claim is approved, the ministry pays it, drawing from an account comprised of money collected from all the ministry’s members each month.
There’s a wide range of choices of physicians and medical facilities. Similar to health insurance, faith-based health plans have networks. These networks include a wide range of participating providers, so there’s a good chance that you can still see the same physician you see now. In addition, the plans we work with give members free access to telemedicine visits 24/7/365. Telemedicine — being able to see a doctor over a video conference on your laptop or smartphone — is growing in popularity as a convenient way to address health concerns.
Members also are generally exempt from the ObamaCare tax penalties. If you belong to a qualified health care sharing ministry, you don’t have to pay the Affordable Care Act tax penalty for not having health insurance coverage.
Sounds simple, right? That’s because it is. The ministries we work with ask only that you agree to a statement of beliefs and believe in a higher power. Each faith-based health plan handles preventive care and prescriptions differently and has different claims procedures. Ministries also vary in how much they require members to pay out of pocket before their bills are covered. By comparing plans, you can find the right fit for you and your family.
For many families, faith-based health plans provide a refreshing alternative to the complex world of health insurance coverage. Many members like the idea of joining forces with other like-minded individuals who are committed to healthy and ethical behaviors. (Don’t forget: Membership in faith-based plans are open to people of any faith and/or those who simply believe in a higher power.) Many people also like the fact that ministries encourage members to pray for those struggling with illness and even provide encouragement. It’s important to remember that a faith-based health plan is not actual insurance and that it’s not regulated by government agencies. Ministries are under no legal requirement to accept people with pre-existing conditions, for example, pay claims or follow the same rules that health insurance plans are required to.
If you missed out on the Affordable Care Act open enrollment this year, or don’t want a short-term medical or fixed benefit plan, you may want to consider a faith-based health plan. Call today to see why so many people have switched over from traditional health insurance! Becoming a member of a health care sharing ministry is simple. Simply call us at 1-888-987-6593. We currently offer plans in AL, AZ, CO, FL, GA, IL, IN, IA, KY, LA, MI, MS, MO, NV, NC, OH, OK, PA, SC, TN, TX, UT, VA, WV and WI.
Since its debut in 2002, Health Choice One, with offices in Uniontown, OH, Columbus, OH and Denver, CO, has provided a wide range of health, vision and dental plans designed to keep you and your family happy and healthy. Call us at 1-888-554-4406 to put us to work for you!