![]() ![]() Provider FeeĪs with traditional insurance, you will still pay a provider fee (like a co-pay) of $35 for doctor visits and $200 for emergency room care. Start here or call 800.772.5623 to get your pricing. If your family would struggle with such a high AHP, you should choose a lower AHP-just be prepared for higher monthly portions. In the case of an emergency, we could handle having to pay $10,500 out of pocket from our emergency fund, and we enjoy the savings the lower monthly share affords us. Note that this is a grandfathered level, essentially equivalent to the $12,000 level today. Discounts on prescriptions, dental, and vision needs are also included.įor my family of five, we chose a $10,500 AHP, which is high, but it means a lower monthly share. *All options shown include eligible care for hospitalizations, emergency room, urgent and primary care visits, and FREE telemedicine consults. Here’s what a sample chart might look like for a middle-aged couple with at least one child living in Texas: The size of the AHP you choose will determine your monthly share. You get to choose both the AHP and the monthly share from the provided chart. The size of your portion determines how much you will have to pay out-of-pocket for covered medical expenses before the health share kicks in. Members choose an annual household portion (AHP), which is similar to an annual deductible. If you’re unfamiliar with Medi-Share, here’s a nice video sharing the basics of how their healthcare sharing ministry got started and works today. Read on to learn more about how Medi-Share works, its advantages and disadvantages, as well as my lengthy personal experience so you can know what to expect if you think it’s a good option for you or your family. But for some, it can be an ideal replacement for health insurance, its high premiums, and impersonal service. Essentially, each month, everyone places their monthly share (like a premium) into one big pot (technically a credit union account,) and those with expenses use the money to pay their bills. Members, quite literally, share in each other’s health expenses (hence the name). ![]() Medi-Share is a non-profit, medical expense sharing program for Christians. It’s a proven biblical model of healthcare–Christians helping Christians. Since 1993, over $875 million has been shared and discounted among Medi-Share members. Medi-Share is a healthshare plan where Christians share financial resources to pay for each other’s medical expenses. I’ve been with them for eight years and I believe his health insurance alternative will continue to be a great option for my family for years to come…and could be for yours, too. We don’t have pre-existing conditions and we don’t plan on having any more children (i.e.Our income will likely exclude us from being subsidized in the federal government’s health insurance marketplace Medi-Share gives us considerable monetary savings.We are self-employed Christians and don’t mind being obligated to the coverage restrictions related to lifestyle.Medi-Share makes sense for my family because: Keep in mind, however, Medi-Share is NOT health insurance (nor is it charity), but it’s a great alternative to expensive healthcare coverage for some. That’s more than $70,000 in savings over eight years! This is a monthly savings of around $750 per month. Prior to joining this healthcare expense-sharing community, I was paying a staggering $1,100/month for a health insurance plan through Humana! I’m currently paying ~$350 per month to cover my family of five. This is my review of the Christian healthcare sharing program, updated for the 2023 enrollment. I‘ve been with Medi-Share for eight years.
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