馃攳
Christian Healthcare Ministries Review: Cheaper than Insurance and Better Coverage - YouTube
Channel: Melissa Blevins
[0]
hey guys Melissa Blevins with MelissaBlevins.com where I speak to women
[4]
about how to overcome their perfection
hangover today I want to share with you
[9]
about Christian healthcare ministries
and the alternative to traditional
[14]
health insurance healthcare costs have
gone up significantly the health
[25]
insurance premiums have risen
significantly and the deductibles and
[30]
out of pockets have risen as well so
it's really been a mess for people who
[36]
are trying to budget and trying to be
careful about what they spend on health
[41]
insurance premiums it's almost
impossible to get affordable health
[45]
insurance these days so a few years ago
I heard Dave Ramsey endorsing this
[51]
company called Christian health care
ministries and what they are is a
[55]
medical cost sharing program that's
faith-based so it's Christians who pay
[60]
in a monthly share amount or a premium
basically and they agree to share that
[67]
money with other Christians who are
meeting their bills paid there are other
[72]
organizations Samaritan ministries is
another faith-based one and then Liberty
[77]
medal ibbity health shares another one
and it's not a faith-based company but
[84]
you can look at all these different
medical cost sharing programs and
[87]
compare them and see for yourself how
they actually cover but I have to share
[92]
my personal story and how we were able
to get a forty thousand dollars nearly
[99]
of hospital bills down to where we owe
one thousand two hundred ninety nine
[103]
dollars it's incredible and I couldn't
wait to tell that everybody and share
[108]
with everybody how this all worked out
for us so back in September my son broke
[113]
his wrist and he ended up having to have
surgery not having regular health
[118]
insurance I was really nervous because
I've never had to use Christian health
[123]
care ministries before for any medical
shirring I've never had anything
[128]
significant that we've had to use it for
now just an overview of the plan that we
[135]
have we signed up for the bronze
membership which is the lowest level of
[139]
sharing availability basically we have
to have over $5,000 worth of incident
[146]
money like bills we have to have at
least $5,000 accrued of bills for one
[154]
single incident in order for it to share
so I was like honestly worried that we
[160]
weren't gonna reach the $5,000 whenever
my son broke his wrist I thought oh
[164]
goodness we're gonna go he's gonna get
it you know reset it and it's going to
[168]
be $4,000 and then they won't share any
of the costs because it wasn't over
[172]
5,000 a cool side note is that any
discounts that I'm able to negotiate
[178]
with the medical providers counts
towards my $5,000 responsibility so my
[185]
son ended up having to have surgery and
we went with a specific hospital out
[191]
here that we know rights off a good
portion of the bills for cash pay
[196]
patients because when you're with
Christian health care ministries you're
[200]
considered a cash pay patient because
Christian health care Mel's you would
[204]
check for the bills and then you deposit
it in your bank account and you pay the
[209]
bills directly so it's as if you're a
cash pay patient because they're not
[214]
considered health insurance but another
side note they are eligible for the
[221]
penalty waiver on the Affordable Care
Act on your taxes so when you go to do
[228]
your taxes at the end it will ask you if
you have half health insurance you say
[233]
no we haven't had Al's insurance and
then it will say all of these reasons
[237]
why you may not have had health
insurance and one of those is that you
[241]
participate in any medical cost sharing
ministry and that is available to offset
[247]
the Pennell
whatever so you don't have a penalty
[249]
when you are part of Christian
healthcare ministries so I have my bills
[254]
here and the total bill was 38,000 and
some change I mean it was a really high
[261]
high high bill 24,000 of that was just
with the hospital for the surgery and
[269]
they run off 70 percent of the bill now
I live in central Illinois and anything
[277]
that has a Memorial Medical Center
attached to it they pretty much right
[281]
off 70 percent of the bill as of today
as of right now now that could change if
[286]
it changes in the future and you didn't
do your research I'm sorry but but right
[290]
now that's what they do they write off
70% you don't have to apply for
[294]
financial assistance to get that deal if
you don't have health insurance you get
[300]
the cash pay discount of 70 percent off
so that brought that $24,000 billed out
[305]
of $7,000 which is incredible and we
have several other bills some of it was
[311]
not eligible for sharing under our plan
simply because we have the lowest plan
[316]
available the plan that we have costs us
135 dollars a month for my family at
[323]
five so gosh I mean it's 45 dollars per
unit your your husband is a unit the
[329]
wife is a unit and then the kids
altogether or one unit so that's three
[333]
units for my family 135 dollars a month
and if I was to have traditional health
[340]
insurance the premiums would be about
seven hundred and fifty dollars with my
[344]
husband's work so we're talking nine
thousand dollars a year just in premiums
[349]
plus a high deductible plus I'd have to
pay ten or twenty percent probably 20 or
[354]
30 percent prescription coverage is not
an option under Christian health care
[360]
ministries either but we use the good rx
discount card and it saves us
[365]
tremendously actually our prescriptions
are cheaper on good rx than they were on
[371]
traditional Blue Cross Blue Shield so
and now
[375]
even if you have health insurance that's
a tip for you check out the good rx
[379]
discount card because you could save a
lot of money and anyone is eligible to
[383]
use that card you could just google the
app and just download it to your phone
[386]
and you can search locally for the best
deals on your specific prescriptions but
[392]
so we got our bill from $38,000 down to
17,000 and some change and then
[400]
Christian Healthcare sent us a check for
over 16 thousand dollars so we were able
[407]
to just we only owe one thousand two
hundred ninety nine dollars to one
[413]
company Springfield Clinic who doesn't
offer a cash pay discount unless you pay
[418]
everything in full all at once so we
have one thousand two hundred ninety
[423]
nine dollars out of an almost forty
thousand dollar bill and that is thanks
[427]
to Christian health care ministries I
cannot say enough good things about this
[431]
company I will leave a link down below
along with my member ID just in case you
[435]
decide to sign up with them I think they
give me a month with no monthly
[440]
membership fee and they also give you a
bonus as well so I hope you enjoyed this
[445]
video if you did please give it a thumbs
up subscribe to my channel if you're
[450]
looking
to save money and make more money and to
[453]
overcome your own perfection hangover I
hope you have a great day and I will see
[457]
you in the next video as long as you
subscribe right now thanks
Most Recent Videos:
You can go back to the homepage right here: Homepage