I was on a Christian medical sharing plan. It is not insurance. I told my doctors office I had no insurance—-which was true—and they charged the Medicare price.
It depends on the plan. There might be a minimum per event threshhold to meet before the plan will pay. Dr. offices will usually charge (you) much less if they are not submitting to insurance - hey, wonder why they charge more for the very same visit for an insured patient vs. uninsured patient?!?
I got off hubs insurance (700 a month!) and went to Gold plan on Christian Healthcare Ministries. Haven't used it at all. God is good.
He keeps our minds in perfect peace because we trust Him (Isaiah 26:3). And good healthcare insurance is practical and therefore wise.
I was on a Christian medical sharing plan. It is not insurance. I told my doctors office I had no insurance—-which was true—and they charged the Medicare price.
Yes, I told my doc I didn't have insurance and paid cash for my annual. No blood test or any of that crap.
Does it function primarily as catastrophic coverage only? Have not really understood the full scope of how these types of plans work.
It depends on the plan. There might be a minimum per event threshhold to meet before the plan will pay. Dr. offices will usually charge (you) much less if they are not submitting to insurance - hey, wonder why they charge more for the very same visit for an insured patient vs. uninsured patient?!?
I think you can use them as you see fit. I don't use it because there are others in need who need it.