Theology Matters – Remembering R.C. Sproul

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A great man used mightily by God has gone on to experience true fellowship with Jesus. Dr. R.C. Sproul died on December 14th, 2017. His legacy of as a great reformer and deep thinker will not soon be forgotten.

“The Holiness Of God” is one of his books I’ve personally read. It’s a beautiful masterpiece showcasing how God is about making His Holy name great.

In an age of irreverent babble from top

christian “leaders”, a sharp exposition of scripture strikes through the heart of thirsty souls. “Renewing your mind”, the podcast from Ligonier Ministries would daily teach myself and millions of others the holiness of God and the art of critical thinking and exposition.

The Church has lost a great man. But we know that He stands before a greater God, clothed in Christ’s righteousness.

Let us a be a thinking people, a praying people, a bible-studying people. Let us remember His legacy.

For more information: https://www.ligonier.org/

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.