Can I be honest with you for a moment? I hate health insurance – well, not the insurance itself just the way insurance in the U.S. works. Last year, the company my husband works for had an AMAZING health insurance policy. Like the crème de la crème kind. Granted it was a slightly higher premium that we were paying but honestly, I would gladly pay it because it was truly worth it.
But then came 2016, and my husband’s company decided it needed to slash costs yet again so they decided to go with an Affordable Care Act plan (a.k.a. “Obama Care”). You see, with an ACA plan the premiums are considerably cheaper for both the company you work for and for you, but the deductibles are astronomical.
For example, our deductibles in 2015 with our awesome insurance policy were $2,000 individual and $4,000 family, and then the insurance paid 100% of the costs after the deductible was met. Awesome sauce. Our new policy deductibles are $3,500 individual and $10,500 family and the insurance will only pay 80% of the cost after that, leaving us with 20% that we still have to pay for out of pocket.
Not awesome sauce.
So, we decided to do some digging into health care sharing ministries to see if they would prove to be a better option. Truthfully, we really wanted to go with one in particular but we didn’t have much time to make an informed decision (my husband’s company only gave us two days – which were over a weekend so we couldn’t call around and speak to anyone). But I wanted to share our findings with y’all so hopefully, you can make an informed decision on what may be best for you.
Are Health Share Plans a Good Idea?
Since I’m updating this post and have now used a health share plan for the last almost seven years I figured I’d answer this question for you right off the bat.
Yes and No.
Yes, they are amazing if you are relatively healthy and are financially fit. Meaning that you have solid financial habits in place that are pushing you forward. You will be “self-pay” when you go to the doctor’s office. And some doctors require payment before they will see you. That means you might have to pay $300 before seeing the doctor! So you have to make sure that you are financially fit. You must be living life by a budget, saving up money in an Emergency Fund, and paying off/staying away from consumer debt. If not, trying to navigate paying for these expenses (especially if you’re a family) will be tough.
And yes, our health share plan has always reimbursed us for our expenses. The only time it wasn’t easy to get reimbursed is when our son broke his arm the day before the Pandemic of 2020 hit and thus our health share plan was slow to pay. But that’s been the only time that it was slow. Every other time we’ve been paid within 60 days of submitting the bill. You can read more of our experience filing a claim with CHM here.
Comparing the Four Main Health Share Companies
Okay, so there are four main health care sharing ministries out there: Samaritan Ministries, Christian Healthcare Ministries, Liberty Health Share, and Christian Care Ministry. They all work the same way, with a few variations between them.
The great thing with health care sharing ministries is that you get to avoid a lot of the red tape associated with traditional insurance companies, but one of the downsides is that since they aren’t an insurance company they are not held by the same laws that an insurance company is. In other words, if they choose to deny payment for certain things, they can.
In fact, many of these organizations state that anything that they believe to be experimental in nature will be denied payment. Now, this could mean many different things so it’s very unclear on what exactly they consider “experimental” but I’ve heard that certain fertility treatments have been treated as experimental along with several procedures for severe illnesses and even certain treatments for autism.
Again, I have no personal experience with this so I can’t tell you if this is true or not. Those are just some of the things that I’ve heard about from others.
Samaritan Ministries
Samaritan is one you’ve probably heard of because they’ve been around since I can remember. And honestly, they were the one that my husband and I immediately said “no” to. The reason being was because it was pretty confusing to figure out based on their online materials how things work and we’re still unclear on the whole process. But they have incredible reviews so they are probably still worth checking out and they were the cheapest option we could find.
They do have a Catholic sector but I’m not entirely sure on it…there were some things that threw me about it. But, I did like that through CURO (the Catholic sector), you get to receive a debit card share for payment processing. Here’s more info on the Catholic sector.
For a three or more household, the monthly payment amount is $405.00.
Christian Healthcare Ministries
This one was our favorite out of all of them due to the fact that we know several people that use them and were able to get a user review of the process. The way this one works is similar to how insurance works so it makes more sense and we found it to be less confusing. You pay your monthly amount and then you’d have to pay your deductible based on the plan you chose and after that your bills will be paid out of the share up to a certain amount (based on the plan you picked). The downside to this one was that you couldn’t become pregnant until after you’ve been with them for at least a year – no worries, we’re not planning to have a four kid anytime soon. 😉
For a Gold level membership for a household of 3 or more, the monthly payment amount is $450.00. ***Updated: this is the plan that we went with. We added the Brother’s Keeper option to this plan. Head here for Christian Healthcare Ministries plan details.
Liberty Health Share
Liberty was one that I had never heard of but honestly, they have a great plan in place because they were the only one that listed that they have medical discounts available. Now, if you don’t know why that’s important let me give you a little insurance education from my medical billing and coding career (that lasted a day because it was awful). Insurance companies typically have negotiated rates with providers so when your doctor sends in a claim on your behalf, the insurance company will pay based on their already negotiated rates. So let’s say, you have a doctor’s visit that is going to cost $500. You pay your $30 copay, the doctor’s office sends off your claim to your provider; they agree to pay their negotiated rate which is $300 and the total price gets knocked down by $200.
Great, but what does that have to do with Liberty? Liberty has discounts available similar to the insurance companies negotiated rates – so instead of ending up with a $500 bill that has be paid you’d end up with a $300 bill that can shared (depending on your plan) with the other members of your plan. Thus saving everyone money.
For a Liberty Complete plan for a family of 3 or more, the monthly payment amount is $449.00.
Christian Care Ministry
Christian Care Ministry (also referred to as Medi-Share) works similar to Christian Healthcare Ministries but they do have a fee associated with anyone that is considered high risk – so someone with high blood pressure, diabetes, or any other chronic illness may be considered high risk and will have to pay more a month. They do offer a discount to those that are in great health but you do have to through an approval process to be determined if you qualify or not.
Also, they offer different premium amounts based on your deductible amount (I’m calling it a deductible even though that’s not technically what it is). The higher the deductible you chose, the lower your premium every month is.
For a household with a deductible amount of $3,750.00 the monthly amount is $454.00. You can see all the details about Christian Care Ministry here.
Some other things to consider
Okay, so I already mentioned that most of these types of organizations will not pay for anything they deem experimental in nature but they also won’t accept those that are smokers (or who dip). Also, many people told us that if you drink (even in moderation) and they find out they will cancel you.
Again, I have no idea how true that is but I feel that is an important element to take into consideration. Another important factor is if you’re an unwed mother, they will not accept your application and they will not provide maternity payments if you’re not married. The exception to this rule is if you are a widow and were pregnant before your husband passed. Otherwise, they will not offer help.
Another thing to keep in mind that some of these organizations will not cover the cost of immunizations but some may require it (unless the child has a specific illness or allergy and is unable to be vaccinated). Many will also not cover pre-existing conditions until you’ve been with them for a year or more (remember, these are not insurance companies and are not held to the same laws as insurance companies are).
And taxes….all payments made are not tax-deductible, but any payments made above your plan contributions can be reported as giving towards charity (you’ll have to look into each organization’s specific requirements and speak to a CPA for further clarification).
The Good News
If you’ve ever paid for a private insurance policy before you know that the premiums are crazy high and the only way to make the premium lower is to get an ACA plan, which as I mentioned before lowers your premium but makes your deductibles higher and can end up costing you more money in the long run. So, a healthcare sharing ministry is a great way to keep your premiums, deductibles, and healthcare costs low, which is why we may still end up with one in the next few years.
****Update 10/31/17: We now have a healthcare sharing ministry. We went with Christian Healthcare Ministries.
If you’re with a healthcare sharing ministry, we’d love to hear about your experience!
Other posts you may enjoy:
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Michelle says
We belong to Liberty Health Share. We’ve only been members for a little over two months, but we’ve been happy so far. We had to use them after just being members for one week and they had no problem covering the medical expense. Granted, it was low, but we haven’t had to use insurance for years so we were a little worried.
Becca says
I’ll stick with Australia’s socialised medicine, thanks! My mom (who lives in the US) had a very minor procedure done – it took a nurse all of 10 minutes to do it from the start of consultation until it was finished – and was out over $100 out of pocket, after their very good insurance paid its share. Here, the same procedure would’ve been $0 out of pocket. I doubt we’d pay $400 a year out of pocket for our health care, and that’s including dental for the entire family, which isn’t subsidised. And don’t tell me we pay more for taxes; my tax burden is less here than it would’ve been had we stayed in the US because we pay far fewer taxes, overall, and get a great deal more for them. The system you ended up with in the US is a hot mess. I know it’s highly controversial in a US setting to say this, but health care is a right; and frankly you deserve better.
Jeff Cymbaluk says
I come from Canada (also socialized medicine) and now live in the US and I disagree with our Australian’s assessment. What you lose in socialized medicine is much more than most are aware. First, doctor’s wages are set so the best minds go elsewhere (but Canada has some fantastic optometric procedures now). Second, simple procedures can get delayed. I needed an MRI for my knee (in the US) and got one scheduled for me in 2 weeks. My brother (in Canada) had shooting pain going down his left arm and got an MRI in 9 months. My cousin is excited to be scheduled for a replacement knee. Her leg has wasted away while waiting (I think for 5 years she has not been able to walk properly) and she is finally on a waiting list (2 to 3 years). Stories, yes. Real because there are implications to the government running healthcare.
Matthew Bellis says
Hi Jessi, I’m the communications director for Liberty HealthShare. Thanks for your assessment of us. We’re always trying to make things better for our members, so if you have any insights after your investigations of HCSMs feel free to let me know. This is the kind of critical thinking that we crave here. Thanks so much!
Alana @ihaveaFutureandaHope says
We use MediShare from Christian Care Ministry and so far we are very grateful for it. We pay $236 a month for a $7500 deductible for a family of 6. We are generally healthy and do not have to go to the doctor much, but I have had a few immediate care visits lately. We paid the co-pay of $35 and then was billed for anymore that was at a negotiated rate. This has been around $100. This has saved our family $500 over regular insurance, so as I see it the occasional extra $100 doctor is still coming out way ahead. That is a savings of $6000 dollars a year, almost our new deductible. My husband had cancer and he still qualified because he has been symptom free for 3 years. Health sharing ministries are well worth looking into.
Jessi Fearon says
Thank you so much for sharing this Alana! And I’m so happy to hear that your husband qualified as well because one of my friends was wondering about cancer.
Samaritan Ministries says
Hi Jessi! Trying to understand how a health care sharing ministry works can certainly be a challenge in the beginning :). As Samaritan Ministries members, we are really excited about the simple, straightforward approach of directly sharing one another’s medical needs. All 58,000 households send their monthly share to another Samaritan member and we at the office facilitate the process. The result of direct sharing is a whole lot of community and the opportunity to pray for and love one another in a very practical way.
We’re sorry that you found our sharing system’s explanation confusing. Here’s a thumbnail of the process: Every month, we send you the name and address of a family that has had a health care need and ask you to send your monthly share to them. When you have a need, we see if it falls within our Guidelines, and then share it according to those Guidelines.
Our members like this direct kind of sharing because it connects them directly with others in the Body of Christ through encouraging notes, cards, and prayers sent along with the shares. We believe it strengthens our faith.
What most members usually struggle with when they have their first need is dealing directly with medical providers, but we help with that, and it’s a short learning curve. We also help members get discounts through The Karis Group.
As far as “experimental” treatments go, we do share needs associated with naturopaths, chiropractors, and osteopaths. Some sharing related to those needs are limited, depending on what the need is.
Also, we’d like to clarify that those who drink in moderation are allowed to be members of Samaritan.
If there are ever any other questions you’d like to ask, don’t hesitate to call us at 888-268-4377.
Becca says
The lack of privacy with that system would really bother me. I’m sure the approach is appealing for most of your members (otherwise why would they choose you?) but I wouldn’t feel comfortable letting complete strangers know what was ‘wrong’ with me. Even if it’s nothing embarrassing, it’s still just none of their business.
Katie says
It’s my understanding that with Samaritans, no information about what treatment you received is shared with the other member’s… they are simply directed to send their ‘monthly share cost’ to you, to meet your current need. Along with any words of encouragement IF they’d like to. Your medical issue is not detailed in any way, and no one should ask. I found this out in my research of Samaritans. We are currently looking into switching, which is how I found your helpful post. 🙂
What I do have a problem with is that what if people are late, or forget, or some checks get lost in the mail, or someone writes my address incorrectly?? … it directly impacts my ability to pay my medical bill? So I think I would prefer a share program where the ‘Company’ does the the financial transactions, rather than the individual members.
Josh says
We signed up for CHM this year. We are self-employed, the non-ACA plan was going to cost our family of 3 about $500 per month &the cheapest ACA plan without subsidy was $350 for a $10,000 deductible. We are healthy and the healthshare plan is $150 per month for our level.
Lea says
Did you’re husband’s company only have the one option for health care? Where I live, “Obama Care” has a variety of options and we can purchase our own independently if we don’t like our company option. Then the company simply pays us what they would have paid for our insurance and we can use it or not toward the premium for our insurance. Your deductibles sound really, really high (ours are more like what you had last year) – which is why I asked.
Thanks for this post – I didn’t know much about Heathcare Sharing before this.
Lea
Jessi Fearon says
They did only give us one option and literally a weekend to decide the outcome. It’s been a ride for sure! And I love that you can purchase another plan and your company pays you back. That’s awesome!
Debbie Slaughter says
This is a great post, with lots of needed information.
My husband and I tried Samaritan’s Ministries a few years back and what I didn’t like (and you didn’t mention) is that each time you send in a claim (and also the application), you are required to have your pastor sign the form. They want him to sign off on whether you regularly attend church and are not sexually active outside your marriage! Seriously!
First off, what pastor has time for that and how is he supposed to know intimate details about your life?
Aside from that insanity, I was very uncomfortable with the idea of having to negotiate a “deal” every time we had an appointment somewhere.
Jessi Fearon says
I totally didn’t know that! That’s super interesting and you’re right, what Pastor does have that kind of time especially if you have several claims hit at one time. Goodness.
Lisa says
We use to be members with them – from my experience, they did not make you have your pastor sign off on each claim. Initially, they have your pastor fill out the above mentioned paper work that said you were a member in good standing and as far as the pastor knew, you led a life that matched up the teachings of the Bible. The reason they do this is because it helps insure that the people that become members do not live their lives in a way that would make them a health risk, thus costing the members money.
LisaY says
I believe that is a completely false statement based on dear friends both in and out of my home church that have their coverage with Samaritan. They only had to have the Pastor sign ONE paper stating they were church members. We have gotten glowing recommendations from them- a close friend had her foot fractured in many places just three months after joining and they have had to pay less in total than just one visit with their old insurance would have cost.
Katie says
Yikes! 🙁 So the pastor sees what my medical problems are. No thanks.
Heather says
We have Samaritan Ministries and we love it! We look forward to sending our share to an actual family that needs it. My kids even get into it, we pray for the particular person in need and they also draw pictures that I include in the card.
LisaY says
That is lovely! Thank you for teaching your children real life stewardship 🙂
Michelle says
We tried to sign up with Christian Care Ministry but after they took our $50 application fee the website blocked our application because they didn’t like our religious affiliation. They don’t consider members of the Church of Jesus Christ of Latter-day Saints to be Christians.
Jessi Fearon says
Oh no! I’m so sorry Michelle! Have you looked into Liberty Health Share? I haven’t used them personally but many of my friends have and love them. They aren’t as strict as the others so they may be a better option.
Chris says
Have any of your friends had issues with not getting reimbursed for claims? That’s my biggest concern…
Jessi Fearon says
Fingers crossed…so far no. 🙂
Jessica says
I’ve spoken with Christian Healthcare Ministries and they said they consider LDS people to be Christian. I think Samaritan Ministries may not take you either.
Emily says
My husband and I are active members of The church of Jesus Christ of latter-day saints (LDS, aka “mormon”) and have been with Christian Healthcare Ministries for 7 months now, we had no difficulty signing up either. (Gold Plan with the “My Brother’s Keeper” option)
That said, we are healthy mid-40s and have yet to need any help with medical bills from them, so I can’t speak to whether or not we’d be hassled, denied or canceled if we had to submit a medical need (like filing a claim). I certainly hope not, that would be completely devastating.
Jami says
We are also members of your church. I am wondering what option you found to be the best fit. Thanks
David says
My concern about these plans is that they will not pay for Annual Physicals which in my mind helps to prevent high Medical costs down the road. I’d rather pay $400 now for one, than $40,000 down the road to correct a problem. Right?
Jessi Fearon says
Correct, depending on the plan you get they don’t cover regular routine stuff that’s less than $500. For me, my annual physical was only $120 – I was expecting $300 but my Doctor’s office gives a discount for those that pay cash (since that means they’re getting paid immediately and don’t have to wait 90-120 days to get paid from the insurance companies).
Marta Garbarino says
Liberty Health Share and Solidarity (a Catholic health sharing ministry very much like Liberty) do allow up to $400/member/year for a yearly check up. This is separate from the AUA ( annual unshared amount, their version of deductible). So even if you haven’t met your AUA, you still get up to $400 up for sharing.
Christina Weber says
We’ve been with Christian Healthcare Minstries since January 2014, so coming up on 4 years now. I think I can definitely add some perspective for people considering joining the Ministry in lieu of commercial health insurance. Would I recommend joining? In short: Absolutely! They are much better than insurance. With one caveat: have as much cash in hand (in a checkings account, HSA, or other easily accessible form) as possible in case of an emergency.
In long: we’ve used them 4 times a Gold members with Brother’s Keeper. Twice for minor procedures (total of $4-5K after discounts), once for maternity and the birth of our son (total about $15,000 after discounts) and the latest, totally unexpected, major need: my husband’s diagnosis with advanced cancer. We’ve submitted more than $52,000 to date in bills after discounts for this need, for which they’ve so far shared around $38,000 and the rest is in the pipeline. This is an ongoing need, so we anticipate to submit more over time. I should also mention that we’ve been fortunate to qualify for free cancer drugs through the financial assistance programs that most pharmaceutical companies offer for expensive specialty drugs, so CHM is not having to cover those. Our experience is that they truly do deliver on what they promise. It is a lot of work gathering itemized bills from every provider, scanning and submitting them for sharing, setting payment plans for high bills, and keeping everything organized, however, if your bills qualify for sharing based on their guidelines (most medical bills do), they will eventually share them at 100%. Seeing as they also credit any discounts you get towards your personal responsibility amount (for our membership level, that’s a mere $500), it truly ends up being zero out of pocket. AND they don’t require pre-authorization, so my husband’s oncologist has been able to treat him with the best that’s out there without worrying about money. That’s usually not the case even with the best insurance plans.
That being said, there are a couple of caveats: the most important thing, they won’t send a penny for 3-4 months from bill submission — and right now, it’s more like 4 months. So if you have a major medical event like we did, be prepared to spend or borrow or be in debt for several thousand $$$ before you start seeing money from the Ministry. This is why I said above you absolutely need to have some cash in hand just in case. The more the better. We had almost $40,000 in bills before we got the first check from CHM. So we had to: a) dive into our rainy day fund, b) set up payment plans with 5-6 providers for bills ranging from $1,000 to $15,000 each, and c) borrow some from family members until we could get reimbursed. It does get easier after the first check or two, which usually cover a significant amount of the bills (if not everything), but with a more chronic need like ours, you’re always a few thousand $$$ behind as new bills always pour in. But we’re willing to live with that in exchange for the peace of mind of being able to have the best treatments available without an insurance company always trying to cut corners and putting obstacles in your care.
Second caveat, which is much more minor, in the 4 years we’ve been members they’ve really grow exponentially. As a result of that, they have become more corporate and inevitably more bureaucratic. They used to have one person who was the ‘Needs Representative’ for each state who was your contact person for medical needs. That added a personal note that we really enjoyed in our first two years of membership. Unfortunately they did away with that and now have a needs department, which is harder to reach over the phone and feels much less personal. What’s more, the sharing time has increased from 2-3 months when we first joined to 3-4 months right now (and like I said, it’s really more like 4-4.5 months). We think this is their way to respond to their explosive growth and avoid raising membership fees — which they’ve only raised once since the 1980s! Even if they did raise them some, they’d still be crazy affordable compared to insurance, but we’re also willing to live with a longer sharing time for the security of membership fees that don’t go up almost ever.
In summary, despite the hiccups I mentioned above, we’ve been happy with them and we would recommend them as a great alternative to commercial health insurance to anyone interested in this model of care who also happens to be a Christian of any denomination. I’d be happy to answer any questions.
God bless!
Sarah says
Thank you so much for the detailed info – we’re thinking of signing up with CHM and this really helps!
Christy Houser says
Thank you, Christina! This is the most helpful “review” I’ve read from an actual member of CHM. We feel we have just signed up on a leap of faith, because of a lack of actual reviews. We are hopeful, and your info has helped my heart a lot:). Thanks Jessi for your informative article!
Jami says
Is there a max they’ll cover? What happens if you diagnosis like cancer exceeds the $125k max at chm? Then what?
Jessi Fearon says
If you have the Brother’s Keeper option, you’ll be fine in that case. For us the Brother’s Keeper option is $125 a quarter (we have the Gold level). The Gold Level is unlimited so it doesn’t matter how high the bill is.
Cathy T says
Thank you so much for this detailed and thoughtful review. I have been anguishing over what to do re: huge increase in premiums, and moving… so that I now have another deductible to cover. I detest what Obamacare has done to me, and to our nation. Plus, I’m Christian, and I have had so many problems with what has happened with our insurance companies (I do NOT want to participate in abortions). So to find out about these Christian Sharing Ministries has been a real eye-opener for me. I haven’t yet decided, but I’m pretty much going between Liberty and CHM. Leaning toward CHM because they have no limits for a condition (as far as I can see) if you have Gold and the Brother’s Keeper option. They also seem to be more personal and a bit smaller, so far! I will write and let everyone know how it goes.
Roy says
CHM has a much bigger membership than Liberty Healthshare. As of 2016 Liberty had 48,000 households. CHM only a few weeks ago had around 370,000 members.
Andrea Thompson says
my husband and I lost our insurance and our wanting to add to our family at some point but hate that it may cost us tens of thousands of dollars so I’m looking into CHM Gold plan for maternity, was your experience good?
Nina says
Hello Jessi – I see that this post has been generating a lot of conversation that is helpful to people as we all try to navigate the health care insurance maze. I’m stopping by from the #HomeMattersParty and I am so glad I found your post. We were without any health care coverage for seven years and I was only allowed to work 20 – 24 hours per week so the university where I worked would not have to offer health care insurance. My husband took a different job about a year or so ago and we now have a great insurance plan through his new employer. We consider the health sharing programs briefly, but our finances prevented us from participating. Thank you for sharing this information! Nina @ Vintage Mama’s Cottage
Amy says
I stumbled across this while researching health sharing ministries. Thanks for the info! I’ve called and talked with nearly every ministry and most of them won’t cover a pregnancy even if you’re married, unless your husband is also on the same health plan. Liberty was the only one that didn’t have that stipulation. I thought I’d share this in case anyone else is planning to be on a health sharing plan without their husband!
Lisa Trana says
Thank you for this amazing article! We are thinking about signing up and would love to refer you for the bring a friend program. Thanks again, Lisa
Jessi Fearon says
Thank you so much Lisa! 🙂 If you would like, you can sign up through this link and it should automatically put our member number in there: http://www.chministries.org/default.aspx?mem=283967 Thank you again Lisa!
Amy S says
Thanks for this! I read several reviews/comparisons including yours before deciding to go with CHM, and I came back to your site to find the referral link as well. Thanks for posting this info! We’re planning to sign up starting in January.
Lisa Trana says
You are absolutely most welcome. I want to thank you for this article. After months of research it was so very refreshing to find an article and responses that were so helpful. Anyone who reads this article click on the link above and show Jessi your love!
Elaine Piraneo says
I have had Christian Healthcare Ministries for two years now. I am very health thank god and have not needed to send them bills for anything. The only bills I have had were for general doctor visits for normal sore throat etc. I tell the doctor’s office I am self pay and they take 40% off the cost of the service and I pay at the time of visit. So I may pay $90 to go to an appointment. I did back myself up with multiple other insurance because this was new to me and I wanted to make sure I was taken care of if something big happened. So I have an accident illness plan that will pay up to $10,000 if something happens which I can use to offset any initial bills. I also have a hospital indemnity plan and a cancer plan. All of this cost a lot less than my going to the marketplace and having a $6500 annual deductible and paying over $600 a month for one person. So I am happy with my decision and thankful that I have not had to use it. If I did, my deductible is $500. I am on the Gold Level Plan with the Brother’s Keeper option.
Lisa Marie Danielson says
I am a researcher and sold on these type of “health memberships” after reading and doing my homework.
I am trying to decide between CHM (Christian Healthcare Ministries) and Liberty Health Share. We are a couple, 50 – so do not need dependent/pregnancy etc.
Called CHM and phone call got picked up right away been on hold with Liberty for over 20 minutes……
I like that Liberty has the wellness $400 a year. though there max is 1 million per incident.
CHM has the brothers keepers program wich is nice….
Anyways if anyone struggled between the decision on these two please send my your insights.
Thanks so much!!
Lana says
Thank you, Jessi, for the article. It and all the comments have been very helpful. I did not see any mention about Medi-Share. Do you have any insight regarding Medi-Share?
Thank you,
Lana
Liz says
Does anyone know whether CHM does anything with your church information that you put on that acknowledgment of understanding form? We are a Christian family, and attend a very, very large congregation but are not members. Does CHM follow up with the church you list to see if you are members, or do they just want to know that you attend services somewhere?
Jessi Fearon says
I’m not sure if they do anything with the information. I gave them our information but I never followed up to see if they contacted my parish or not. Our church is large but we are members. I’m sorry I couldn’t be more helpful!
Sarah says
This was a great read. We have Liberty and have been with them for 18 months. Not program is perfect and it’s always about what fits your family. We have been very happy with our experience with Liberty.
I grew up in New Zealand with socialised medicine. I’m not a fan. I unfortunately know of too many people on long waiting lists, loss of life etc. sad stories happen everywhere of course. But the icing on the cake for me was when my high school BFF had to bury her baby because of a prenatal test that she didn’t have because it’s optional in NZ but mandatory here in the US.
When my hubby had colon cancer, I was grateful that his surgery was going to be done immediately instead of going on a waiting list and having his stage 2 cancer progress to something bigger.