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Healthcare Sharing Plans
If you're looking for a solution to the rising costs of Health Insurance and Obamacare, you've come to the right place. Every day, thousands of believers discover Healthcare Sharing Plans as a positive, refreshing alternative to traditional health insurance.
Healthcare Sharing Benefits
Doctor's Office and Specialist Visits
Preventive and Wellness Care
Prescription Drug Program
Lab and Diagnostics
Hospitalization and Surgery
Access to a national network of physicians
FREE 24/7/365 access to doctors through Telemedicine
What are Healthcare Sharing Plans?
Healthcare sharing plans, also known as Medical sharing plans, are offered by Christian organizations called Health Sharing Ministries. Health Sharing Ministries facilitate the sharing of medical expenses among groups of like-minded individuals and families who have common ethical or religious beliefs. These medical cost sharing plans are exempt from the Obamacare tax penalties assessed to those who do not have traditional health insurance. In 2015, The New York Times stated that membership has grown recently because of the health sharing ministries' exemption to the insurance mandate of the Affordable Care Act, and that monthly cost of membership in a health sharing ministry is generally lower than the cost of traditional health insurance.
Healthcare Sharing plans have been around for decades, and billions of dollars of healthcare needs have been shared by fellow members. Although not considered traditional health insurance, medical sharing plans are acceptable under the law and have been in existence since 1993. These plans welcome members of all faiths who can honor a Statement of Beliefs, by which the program operates.
The benefits and coverage designs vary depending on the plan you choose, but some of the most common benefits include doctor's office visits, preventive and wellness care, specialist visits, emergency room, urgent care, hospital stays, surgeries, lab work, diagnostic testing, maternity and more.
Is a Healthcare Sharing Plan Right for Me?
With the constant rising costs of health insurance premiums and the seeming decreases in coverage, people can find themselves desperately looking for a feasible alternative. Wouldn’t it be wonderful if great coverage with low premiums was available? A Healthcare Sharing Plan may be just the answer you're looking for. With affordable cost sharing plans tailored to fit your individual needs and designed to give you the freedom to choose your own doctor, these plans have become popular health insurance alternatives. If you missed out on Obamacare open enrollment this year, or don't want a Short Term Medical or Fixed Benefit plan, then this is the plan for you. Call today to see why so many believers have switched to a Christian healthcare sharing plan!
Which Healthcare Sharing Plan Should I Choose?
That depends on how much protection you need. There are three levels of coverage to choose from; Basic, Standard and Comprehensive, with Comprehensive having the highest level of benefits. Each plan is designed to fit within your budget and meet your individual healthcare needs. This way, you can choose the plan with just the right amount of coverage and pay only for the benefits you need. Be sure to click on the "Get Quotes Now" button at the bottom of this page to view detailed plan brochures and to run your own rate quotes. Then call 888-574-5914 to speak with one of our friendly, licensed representatives who will answer all of your questions and help you choose the perfect plan!
People often worry about the cost of hospitalization and surgery. They’re concerned that when the unexpected hits, they won’t be able to cover the costs. Generally, they’re pretty healthy, but what if an accident happens or the unthinkable occurs? Catastrophic health coverage can give peace of mind that the high costs of medical treatment will be covered if the unforeseen becomes today’s reality.
The Standard Plan includes medical coverage for primary care physician visits, pharmaceuticals, basic eye and hearing examines, both in- and out-patient procedures, extended hospitalizations, urgent care needs, emergency room, labs, and diagnostic procedures. It’s an all-inclusive, affordable health coverage option. Even people with pre-existing conditions can get good coverage, reaching a doctor whenever they need through Telemedicine.
The Comprehensive Plan takes the Standard Plan's benefits to the next level with unlimited doctor's office and specialist visits, enhanced prescription drug benefits, and even better coverage for pre-existing conditions in addition to telemedicine. From the doctor’s office to the operating table, get comprehensive medical benefits when you need them.
Frequently Asked Questions
Q: Are Christian Healthcare Sharing Plans a New Concept?
A: No. Health Sharing Ministries have been around for decades, and billions of dollars of healthcare needs have been shared by fellow members. Healthcare Sharing Plans are acceptable under the law and have been in existence since 1993.
Q: Are Christian Health Plans legal under The Affordable Care Act?
A: Yes! As a recognized Health Sharing Ministry, our members are exempt from the penalties assessed to those who do not have health insurance.
Q: Are maternity benefits included?
A: Yes! In the Premium offerings, maternity benefits are available after 10 consecutive months of membership prior to conception. The plan covers up to $5,000 per pregnancy (whether a single or multiple birth), after member shared responsibility amount (MSRA) has been met. Maternity needs are limited to $8,000 instead of $5,000 for a delivery by cesarean section that is medically necessary because of complications that arise at the time of delivery or due to medical necessity for previous cesarean section delivery.
Q: What medical needs are eligible for sharing?
A: Medical needs eligible to be shared by Healthcare Sharing members compare favorably to their prior medical coverage. Eligible medical needs are listed in the membership guidelines.
Q: Will my doctor accept my Christian Health Plan?
A: Yes. This plan is a recognized Health Care Sharing Ministry and part of First Health, a network that most medical providers participate in. If a medical provider is not part of the First Health network, they should still accept your Healthcare Sharing Plan as your medical sharing plan of choice.
Q: How do I become a member?
A: Becoming a member is simple; complete the membership application process online by calling 888-574-5914 .
Q: How much does a Christian Health Plan cost?
A: Your monthly contribution depends on the number of members in your family and the type of membership plan you select.
Q: Are Healthshare Plans Available in My Area?
A: Currently we 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