The Better Alternative to Big Insurance and Obamacare
I researched and researched, but every form of insurance I looked into was either very expensive or had a ridiculously high deductible, UNTIL I found an ALTERNATIVE.
It is a sharing plan for Christians that:
- ELIMINATES my Obamacare tax penalty.
- provides me the SECURITY I need financially and medically.
- is a FRACTION of the cost of big insurance.
The BEST news? It would cost me only $150 a month for a GOLD plan with no huge deductibles. After I pay for my first bill over $500 each year, I don't pay one cent for any future bill over $500.
So I decided to KICK BIG INSURANCE TO THE CURB! You can, too.
HOW IT WORKS
I enroll and pay $150 per month into my Christian Healthcare Ministries escrow account. No enrollment fees.
When I visit the doctor, I ask for a direct, cash-payment price. (They'll almost always discount the amount). At checkout, I pay a portion of what I have negotiated for any bill greater than $500. *
Next, I send my receipts to CHM. After I pay my first $500 on a single incident in any year, CHM sends me a full reimbursement check for any additional bills over $500. SIMPLE! This isn't insurance with its headaches and deductibles. It is medical expense sharing that is PROVEN, SAFE, and has an established TRACK RECORD since 1982.
*Wait, Jordan, you have to front the money to the doctor and wait for the reimbursement? Not always. Many doctors understand this plan and will allow you time until your reimbursement check arrives before you have to pay. Some will let you make smaller payments and then lump sum a final payment when your reimbursement arrives.
AN EXAMPLE
EVEN I CAN UNDERSTAND
Let's say I am out riding my bike and crash, breaking my arm. My medical bills for this incident total $2000. I pay the first $500 out of pocket, and everything else is shared by CHM. In a month or two, I get a check for $1500 to cover the rest of the bill.
Later that year, I decide to go on a polar bear swim and get pneumonia. The bill for that comes to $389. Since it isn't greater than $500, I am responsible for the full $389.
Finally, towards the end of the year, my friend, who owns a circus, asks me if I want to get shot out of a cannon. YES! But then it goes wrong and I miss the landing net, breaking my face. As you can see, I am quite handsome and the surgical bill for reconstructive face surgery is $5,000. Since this is OVER $500 and I have already paid my $500 for the year, the whole $5,000 is reimbursed to me.
ADDED BENEFITS
NO NETWORKS
I can choose whatever doctor I want. No out-of-network hassles.
PRE-EXISTING CONDITIONS
CHM covers many pre-existing conditions on their GOLD plan up to $15,000 in the first year.
WHAT AM I GETTING OUT OF THIS?
I love my CHM coverage. I think it is a better fit than big insurance.
#1-I want you to experience freedom from big insurance.
#2-If you sign-up using my member number, I get a free month of coverage from CHM.
No big kick backs, no multi-level marketing, nada. Just a free month for me.
The BONUS PACKAGE? I make ZERO on it. It's just that, an exclusive BONUS PACKAGE which I can share as a thank you!
-SOME EXTRA READING-
Why I chose CHM over the two other major medical sharing groups (Click Here)
CHM's Guideline Book (Click Here)
Click the button below. You'll get:
- a special link to make enrollment simple.
- my CHM member number (for referral credit).