Health insurance for self employed

[Sticks&Strings]

Who do you use? Anyone use or know much about Christian Care??

[rjtkdplus]

I've been on Christian care ministry For about 6 years. Have only used it once, no complaints.

[twperdue]

I just signed up for Christian Care and used it for the first time yesterday (went smoothly so far). The only hick-up I had was getting set up with them. I apparently got a new guy that had never set someone up before. I'm all about helping a new person out but he did make some mistakes. My wife called about a week after we signed up and found out they(he) had not recorded my payment. Had she not called, my family would have gone uninsured for a month. I will give them credit though, they are very helpful and caring on the phone. I truly believe my issue was just a rookie mistake on their part. It also reduced my premiums by 2/3. Very affordable for a family of four (so far, again I am brand new to this).

[Neuse]

Just looked them up, seems like a great concept for health insurance.

[TallTexan]

I use BCBS, but I plan to shop again.

[10132297]

Following thread

[jlp04c]

I use Christian Healthcare Ministries... couple things to keep in mind about faith-based health insurance:
Pre existing conditions likely excluded
Deductibles are not annual, they are per occurrence
Usually No prescription coverages
Can have a max-payout amount (250k, or whatever)
And obviously some faith "requirements", a pledge form etc..

Oh also, they will have a quarterly "reckoning" where members must contribute to cover the needs of the group. I was told it works out to about $20/extra a month. I would expect that to grow this year because there are a TON of people moving to these plans.

[XBowHunter]

I use Christian Healthcare Ministries... couple things to keep in mind about faith-based health insurance:
Pre existing conditions likely excluded
Deductibles are not annual, they are per occurrence
Usually No prescription coverages
Can have a max-payout amount (250k, or whatever)
And obviously some faith "requirements", a pledge form etc..

Oh also, they will have a quarterly "reckoning" where members must contribute to cover the needs of the group. I was told it works out to about $20/extra a month. I would expect that to grow this year because there are a TON of people moving to these plans.

Really not sure how they can label that Christian.


This "Christian" plan values the dollar over human life, if they are excluding pre-existing conditions

Just my .02

[bowhuntertx]

You can also look into a short term PPO combined with a MEC plan for your wellness and preventative care


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[SMUMan02]

Really not sure how they can label that Christian.


This "Christian" plan values the dollar over human life, if they are excluding pre-existing conditions

Just my .02

I use it and it does cover pre-existings to some degree. http://www.chministries.org/preexistingconditions.aspx.

[TKK]

a maximum payout would scare the heck out of me. wife had a stroke this year and bill was way past a 250k amount. You can eat that up quickly now days.

I have sold medical insurance for 37 years and have seen some huge million plus claims incurred by a number of people.

[Traildust]

a maximum payout would scare the heck out of me. wife had a stroke this year and bill was way past a 250k amount. You can eat that up quickly now days.

I have sold medical insurance for 37 years and have seen some huge million plus claims incurred by a number of people.

They have the Brother's Keeper that has unlimited payout. I just enrolled in CHM. I will save over $10K per year in just premiums. Worst case I go to work for another company and go back to the high dolla kind.

[WTX]

Any broker recommendations that offer something besides BCBS and not on the exchange?

[czechgrubworm]

Through the State Bar of Texas, if you are an attorney or work for one, I was able to get a Scott and White policy. Not the best, but there is a hospital and docs close to me. I plan on changing once things start CHANGING in healthcare.

[TKK]

Any broker recommendations that offer something besides BCBS and not on the exchange?

BCBS is about it in our area other than Scott and White. Aetna has a plan off exchange but it is a $6k deductible and expensive.

There are some hospitals in areas of Texas offering plans - Seton in Austin has one.