$45 Affordable Health Insurance Option from Christian Healthcare Ministries

Acceptable Health Insurance Option Under the U.S. Patient Protection and Affordable Care Act (Obamacare)

Christian Healthcare Ministries (CHM), a non-profit 501(c)(3) organization, is an affordable, faith-based solution for Christians to the problems of rising health care costs and expensive health insurance policies.

As a health care sharing ministry, CHM is in the U.S. Patient
Protection and Affordable Care Act (more commonly known as
Obamacare) as an acceptable option to meet the law’s individual mandate for health cost coverage.

Participation levels & costs
There are three participation levels from which CHM members may choose:

Gold = $150.00 per unit, per month
$500 personal responsibility per unit, per year. Total bills incurred per incident must exceed $500.
Includes:
• inpatient and outpatient hospital incidents* and surgery
• medical testing
• maternity (click here for more information)
• physical therapy and home health care (up to 45 visits)
• incident-related doctor’s office visits
• incident-related prescriptions

Silver = $85.00 per unit, per month
$1,000 personal responsibility per incident*
• Includes only inpatient and outpatient hospital incidents and surgery performed anywhere
• Testing and treatment outside a hospital do not qualify for sharing
• The Silver level excludes most maternity costs. The only eligible costs are bills you incur as a hospital patient or bills from midwife services (up to $2,500 per pregnancy).

Bronze = $45.00 per unit, per month
$5,000 personal responsibility per incident*
• Includes only Inpatient and outpatient hospital incidents and surgery performed anywhere
• Testing and treatment outside a hospital do not qualify for sharing
• The Bronze level excludes most maternity costs (only bills you incur as a hospital patient can be shared).

Advantages:

  • Affordable and compassionate
  • No application fee or annual fee
  • No waiting period
  • Generous maternity program
  • No physical required
  • Choose your own health care providers
  • No one is dropped or denied participation due to medical conditions
  • The great joy that comes from giving, knowing that each gift goes to help a fellow Christian in need and knowing that other Christians are faithfully standing by to help you! (Luke 6:38)

Christian Healthcare Ministries:

  • does not reject new members if they have a health condition
  • does not increase rates on members who suffer a costly illness
  • does not “cancel” anyone’s membership because of a costly health condition
  • does not set rates based on a member’s age or health status
  • has programs to help members with costs for pre-existing conditions
  • has a catastrophic illness cost-sharing program that assists members with health care costs over $125,000

Apply Online: https://www.chministries.org/application.aspx

More information about  Christian Healthcare Ministries: http://www.chministries.org