Lately I have had friends, and friends of friends asking me personally or posting on social media trying to find an alternative to Obamacare. There are many reasons people are looking for solutions and so I have decided to post on my blog about it to help others who may want to know about examples of alternatives to Obamacare such as the one I have been using for several years called Christian Healthcare Ministries (CHM).
Christian Healthcare Ministries is a group of Christians that share medical bills by committing to giving a certain amount every month that is used to pay for other members medical bills. Mine is currently $150 a month at the Gold level but they do have cheaper options. There is a $40 yearly fee for administration and an optional program you can add called Brother's Keeper for about $25 per quarter ( this is based on the needs at the time so it varies. I think the lowest mine has been in 3 years is $4 and the highest $26). I highly recommend you get Brother's Keeper if you join CHM. They also pray for others medical needs, bills, and sometimes send them cards of encouragement.
For many years I was afraid to take the leap of faith to sign up for such a program as it is not insurance and there is no guarantee that your bills will be paid. I have been thinking about it though, doesn't it take faith to purchase insurance? Anyway, upon researching this though, when my health insurance premiums became unaffordable for our budget, I discovered some friends or friends of friends that had used Christian Healthcare ministries with stunning results! My brother in laws Pastors wife over 30 years ago had cancer and he told us that every bill was paid for! In the last few years a dear friend of ours,who is a member of CHM, had an accident and needed surgery. He had that surgery and every bill was paid! Most recently I have a family member who has been ill for months and they submitted the bills along with applying for discounts at the hospital where they had testing. The hospital gave them a discount and it was over $500! $500 is what CHM considered their responsibility personally for this incident so that $500 was met by a discount!!!! So no out of pocket in the long run for them! I love that! In the past they paid hundreds of dollars every month for insurance with a deductible of thousands of dollars and they got next to no benefit from their insurance. They are thrilled with CHM and are so happy at all the money they have saved on insurance the last few years as well!
It also feels good to know that every month the money you are giving helps others directly. There are many other aspects you can find on their website and if you have questions you can contact CHM or message me.You currently get a free month if you enroll online and use the code RDL1. The other thing I like about them is that if you mention my name and member number I get a free month of CHM after you pay for your first 3 months. My name is Sharon Talkington and my member number is 156885. I hope this will help many get the help they need at an amount they can afford. For information on how this meets Obamacare and also tax information see CHM website. http://www.chministries.org
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