Choosing a Christian Healthcare Provider (Cost Comparison)

One of the things that I wrote about recently was the stress of things that pop medical-563427_1920.jpgup in life (and my lack of trust in God to show for it!). That event was termination of my health insurance.

I’ve been looking into alternatives because I found that federal programs are way too expensive (for us) and I don’t put a ton of stock in a 74 year-old promising that my free health care will grow on (someone else’s) trees.

Because i was on my parents plan, and both of us moved away to different states, I can’t be enrolled in their insurance based on state law and the like (i used to be covered until I was 26). My wife, on the other hand is still covered under her parents. So that’s a huge praise!

Anyhow I’m going to be breaking down my top three picks for christian solutions to high health-care costs. The three ministries are:

1: Christian Healthcare Ministries logo.png

 

The first option, CHM, has three different “levels” of sharing which are priced for one person or unit as follows (as of February 2016):

  • Bronze
    -$45/month
    -$5000 personal responsibility
    -$125,000 per illness
  • Silver
    -$85/month
    -$1000 personal responsibility
    -$125,000 per illness
  • Gold
    -$150/month
    -$500 personal responsibility
    -$125,000 per illness

The gold plan sticks out to me the most due to it’s $500 responsibility. For example (if i understand it correctly) if have to go to the ER for a broken arm, and it runs me $2000, I would receive the bill, send it to CHM, and they would in turn send me a check $2000 minus my $500 deductible. I would then deposit the $1500 check into my bank and pay the full $2000 to the hospital.

After that $500/year has been used, if i theoretically break the other arm (hopefully i’m not that dumb!) then the full $2000 would be covered by CHM because i already paid my responsibility.

The only downside is that anything under $500 (a doctors visit, etc.) I have to pay for out of pocket no matter how much of my personal responsibility has been met if it’s under $500.

Also, there’s not a joining fee or annual fee, so that’s a plus!

2: Samaritan MinistriesSMi_Corp_ID_PMS2613 rgb.jpg

The first thing i noticed with Samaritan is the $200 fee for joining. Health care is certainly worth far more, but it is definitely a small commitment.

The prices are fixed based on family size, so one-person is $180/month. In my case because I’m under 25, i would get a discount for a total of $140/month. This would save me $10/month against CHM.

What’s great about Samaritan is that they have set sharing amounts. No deductibles. The only way you pay from your pocket is if the medical need is under $300. Anything over that amount is published monthly to certain members so they can send their share amounts (in my case, $140) to a certain person directly.

Family rates are less expensive also, a good incentive to stay with them in the future. Also, Maternity is fully covered as long as my wife enrolls before she’s pregnant.

3: Medi-Sharenational_businessLogo_mediShare_0614-1.png

Speaking of maternity, Medi-Share only covers maternity with  deductible of $1250 or higher at a rate of $144/month.

Basically this health care service is similar to CHM, just significantly more expensive for family, so this is definitely not my choice. Plus the fact that maternity is a significantly more expensive deductible deters me a little in contrast to the other options.


I’m currently torn between Samaritan and CHM, but leaning more towards Samaritan at the moment.

I’ll be prayerfully considering a health-care choice in the next few days so be praying with us as we make this important decision.

2 thoughts on “Choosing a Christian Healthcare Provider (Cost Comparison)

  1. Hello! An informed word of advice to all. Be certain to have the “catastrophic” rider added to your chosen company/plan. As someone who works in the industry, I see medical bills far higher than the $125,000 “per illness” limit. The rider will increase your coverage to $500,000. Also, see if there is a “per year” instead of a “per illness” option.

    This is 2016. Long-term treatments, rehabilitation therapies, and recoveries from strokes, cancers, etc… EASILY run into the $300,000 to $700,000 range, over a several year period. Limiting your long-term treatment and recovery to just $125,000 for any particular illness, is not a wise move.

    Continued blessings to the author’s family and all who read this inspiring blog.

    -Alan in Chicago

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