Anyone have a Christian Medshare policy?

[tractortroof]

You save money because you do a lot of the work yourself. Like I said, you have to play the role of the insurance company by, getting the bill, negotiating discounts, and arranging paying the bill.

Thats how.

This is actually correct, and it is a lot of work, but it feels good because you help a whole community. They have paid 100% of 10 births and are going to pay for another in February. I take out too much, makes me want to give more.

They are always the most pleasant people to deal with. They paid for an elective surgery for varicose veins for the wife, I guess it was thought of as sort of necessary. It really didn’t work.

Yes they are completely unregulated, except by God himself. The one I’m a part of has been amazing.

They have an oversight board that is voted on and replaced regularly. They have term limits.

 

[tractortroof]

I had a child with a bad burn 7 years ago. ER visit, ambulance ride 2 hours to burn unit in Gainesville, two weeks in the acute care unit, surgery….bills totaled $47,000. I didn’t pay any of them immediately. Negotiated many down ($47k was the negotiated price)

Submitted the need and it was all paid. I didn’t pay one dime. Nice to not worry about that during a tough time.

 

[two_bit_score]

There are always people who hate anything that has any connection to anything religious. They lose their ability to think rationally and assume if a religion or religious people are involved, it must be corrupt. While there are certainly corrupt religious people, they are no more corrupt than the average person.

If you really hate religious sharing plans, don't get one. There are non-religious sharing plans, too.

Right. Nobody is forced to use one.

 

[Complete Turf Care]

I had MediShare for about 3 years. I started with it in 2017 when my ObamaCare plan went up about 80% to $1800 a month. I could build a house for less than that.

A close friend who is an insurance agent suggested MediShare.

We had to sign paperwork saying we belong to a church. The did not take anyone who uses tobacco or abuses alchohol or drugs. And they don't cover preexisting conditions for the first 3 years. The first year I was paying about $500 a month, and by the third year it was up to about $700 a month.

I switched back to Blue Cross after the third year, because another insurance agent was able to get me a plan at a much lower rate, based on my income. By owning a small business, I can legally do things to manupulate my income.

My experience with Medishare was good. But, we didn't have any major health issues to deal with during the time I was on their plan.

Each month I would get a letter with the names of the people my money went to. And I could send them a note if I wanted to. I thought that was a nice touch.

 

[milkman636]

This is an informative thread. It’s remarkable that there are groups of people voluntarily banning together collectively for the benefit of every member. It’s almost like a modern day history lesson.

It reminds me of reading Ben Franklin’s account of funding the first fire department in the colonies. He and others had to present the potential value proposition to other citizens and solicit commitments for ongoing voluntary contributions. People already paid taxes to the British that provided no benefit. Ben and his cohort were able to get enough people to voluntarily contribute to the public good that the fire brigade became a reality. I can only imagine how different the world would be if our civic leaders still had to sell the value of services rendered every April 15 instead of issuing a pay or else demand.

 

[jmc]

I can only imagine how different the world would be if our civic leaders still had to sell the value of services rendered every April 15 instead of issuing a pay or else demand.

Fast forward two centuries:

Zero-based budgeting (ZBB) is a budgeting method that requires all expenses to be justified and approved in each new budget period, typically each year. It was developed by Peter Pyhrr in the 1970s. This budgeting method analyzes an organization's needs and costs by starting from a "zero base" (meaning no funding allocation) at the beginning of every period.[1] The intended outcome is to access the efficient use of resources by determining if services can be provided at a lower cost. However, the saving comes at the expense of a complete restructuring every budget cycle. Although used at least partially in both government and the private sector, there is some doubt whether ZBB has ever been utilized to its fullest extent in any organization.

 

[ultrarunner]

I find this post interesting as most hospitals now are allegedly non-profit but they are just as expensive as most for profit hospitals - does that mean they are less efficient or just ways to cover their income with expenses such as fat bonuses for the execs?

Just a business model for most...

The local Catholic Hospital run by nuns was the only one that walked the talk.

They left California when their application for an exemption to provide Family Planning was denied...

It really left a void so much so the county had to pick up another hospital to cover the work the nuns had done... and the county spends way more!

 

[CH4Ohio]

Just curious. Are there also God-regulated cost-sharing plans for home and auto, life insurance, equipment maintenance, etc?? If not, why not?

 

[ultrarunner]

Just curious. Are there also God-regulated cost-sharing plans for home and auto, life insurance, equipment maintenance, etc?? If not, why not?

I would be interested in home cost sharing ministry as one major carrier after another is leaving or "Pausing" in California... even companies founded in California...

 

[Snobdds]

Hospitals have a new model where they are no longer hospitals, but hospital systems. They have campus style offerings with every type of specialty housed on large, very well appointed buildings.

Once they went to this model, around 2005, the cost of care skyrocketed.

I wonder why?