March 25, 2022 | US Health Share

Frustrated with rising healthcare costs and limited choices, millions of Americans are choosing to switch from traditional health insurance to more flexible and affordable Christian health sharing. Faith-based health sharing offers an attractive option for people looking to be part of a supportive group of Christians who share similar values, and who strive to live by Biblical principles. Because Christian health share programs distribute the cost of medical care across their membership, members can save hundreds of dollars every month. So, it comes as no surprise to learn that faith-based health sharing is rapidly gaining in popularity. As such, today’s Americans have a wide range of Christian health share programs to choose from. With so many options, finding the right Christian health sharing option to meet your needs, preferences and budget can be confusing. This quick-look guide makes it easier to compare the top faith-based health sharing programs to see the features, benefits, and downsides of each. COST DOCTORS’ VISITS PROVIDER NETWORK DISCOUNTS PROS CONS Medi-Share >$30/ month $35 per visit Telehealth option available Large PPO Network Health Incentive Program Affordable No cap on shared amount Large provider network Strict Biblical statement of faith May deny pre-existing conditions Complex reimbursement process Samaritan Ministries >$100/ month See any doctor No penalty for going out of network Discounts for labs and pharmacies available Can see any provider Moderately affordable Self-pay model only covers serious medical issues Minor medical issues must be paid out of pocket Altrua HealthShare >$269/ month Limited to 6 visits/year Large provider network Discounts for dental, vision, hearing & prescriptions available Discounts available Large provider network Higher monthly costs Limited doctors’ visits Liberty HealthShare >$100/ month $45 per primary care visit $100 for specialty care visit Large provider network Medical & pharmacy discounts available with select options Moderately affordable Large provider network Discounts available Per-incident cap Don’t have to be a Christian to participate Christian Health Ministries >$90/ month Visit any provider Choose your own provider N/A Moderately affordable Choice of provider Option for members with higher medical needs Members negotiate medical bills and discounts Members may have to pay more for medical bills Deductibles as high as $5,000 UHSM >$159/month Doctors’ visits as low as $20 Access to providers & telehealth services 7 days a week at no extra cost Over 1.2 million providers nationwide Access to 60,000 pharmacies nationwide Ability to earn rewards points to use toward medical expenses Multiple programs to fit variety of needs No incident or lifetime limits Same benefits in and out of state Wellness and preventive care for no extra cost Long-term illness and accident programs available Eligibility for sharing is based on benefits and guidelines Table Reference: https://biblereasons.com/christian-healthcare-ministries/Choosing the Right Christian Health Sharing When comparing health sharing programs, it is important to look not only at the monthly cost but at the range of other features offered, including flexibility in choosing a provider, telehealth availability, access to pharmacies, available discounts, selection of programs to meet varied needs, and member support. If you’re still wondering which faith-based health sharing option is right for you, don’t hesitate to reach out to us. We’ll help you make sense of your choices so you can make an informed decision.

Day: March 25, 2022

Comparing Christian Health Sharing Programs