Christian Health Insurance?

Insurance is a necessity. Many consumers find it difficult to have affordable insurance that agrees with their lifestyle. An individual policy from large insurance companies can seem expensive. For some people, there are lesser alternatives on the market. Christian insurance companies are offering basic options to consumers. The three top providers of Christian health insurance are Christian Care Medi-share, Samaritan Ministries, and Christian Health Ministries. These companies work on a share system. Consumers buy shares and pay a designated amount each month. This money goes into a credit union account. It is the money that pays for other members medical bills. It works similar to individual health insurance and the finances go to paying overhead and administrative costs. The rest goes straight to claims for medical needs. Policy holders can choose different program levels with varying out-of-pocket expenses and benefits. These plans also have network providers that allow for discounts. Patients are then able to choose which professional doctor they would like to see.

All of these Christian health insurance companies require strict adherence to eligibility specifications and a great deal of pre-authorization.
A person applying for these policies must be a practicing Christian and a regular attender at worship services. Most require verification from a pastor. Applicants need to abstain from illegal drugs and tobacco use. They also need to affirm that they abide by Scriptural teaching and biblical principles. Applicants should follow these stringent requirements after approval or they will have coverage terminated.

As with any product, consumers need to research and review before they select. Christian health insurance is certainly not for everyone. Most of the time, customers can fill out an application online for Christian health insurance. Each company offers different plans and has its own criteria for acceptance. Some may exclude pre-existing conditions, chronic issues, or coverage of conditions that could result from promiscuous sex, drugs, drinking, etc. A new customer can receive free health insurance quotes from Christian health insurance brokers or directly from the companies.
Monthly premiums are sometimes 50% lower than the cost of regular insurance. Consumers need to be aware of the fact that many of these insurance providers are actually ministries or charities. These ministries may not be required to comply with state insurance regulations. Christian networks are a faith-based, affordable solution to expensive health insurance policies, and they allow the person satisfaction in helping others in need.

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