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Medi-share/Christian health insurance

Medi-share/Christian health insurance

Old Oct 25th 2019, 2:06 pm
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Default Medi-share/Christian health insurance

Anybody had experience with these type of policies, their prices are competitive but I read they are not insurance plans!

Essentially the issue seems to be a lot of people uninsured/undocumented etc dont pay for their health costs a dime so their costs are lumped onto the rest of us that do. Sad but true.
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Old Oct 25th 2019, 2:25 pm
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Default Re: Medi-share/Christian health insurance

Originally Posted by hrowen
Anybody had experience with these type of policies, their prices are competitive but I read they are not insurance plans!

Essentially the issue seems to be a lot of people uninsured/undocumented etc dont pay for their health costs a dime so their costs are lumped onto the rest of us that do. Sad but true.

"Saves 50%".

https://mychristiancare.org/medi-sha...-is-medishare/

That will not save you from impoverishment and huge debt if you have any kind of remotely complex procedure in the US. As far as I can see it is not insurance in the usual sense. This organization will simply hang onto your money, make money off it, and pay you something when you get covered medical care.

There are many people who can't afford insurance - nothing at all to do wtih being "undocumented" - but that is not what makes US healthcare expensive. What makes it expensive is that it is run for profit, and that includes the insurance companies. Being a christian outfit, this organization ought to be happy to help support the less fortunate.
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Old Oct 25th 2019, 3:24 pm
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Default Re: Medi-share/Christian health insurance

most of them are affiliated with religious organisations and have certain stipulations that run from pretty much normal to outrageous (imo) eg,no smoking to no coverage for contraception+abortion.
If you are a straight, married guy who doesn't smoke and goes to church on a Sunday, it's probably right up your street.
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Old Oct 25th 2019, 8:55 pm
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Default Re: Medi-share/Christian health insurance

Originally Posted by petitefrancaise
most of them are affiliated with religious organisations and have certain stipulations that run from pretty much normal to outrageous (imo) eg,no smoking to no coverage for contraception+abortion.
If you are a straight, married guy who doesn't smoke and goes to church on a Sunday, it's probably right up your street.
Ouch well going to have a problem there then! All hospitals say they are not for profit. Is that kinda a lie then? Am guessing the costs of dealing with uninsured and undocumented people is put on the rest of us, end of the day someone pays!
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Old Oct 26th 2019, 3:42 am
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Default Re: Medi-share/Christian health insurance

Originally Posted by Lion in Winter
"Saves 50%".

https://mychristiancare.org/medi-sha...-is-medishare/

That will not save you from impoverishment and huge debt if you have any kind of remotely complex procedure in the US. As far as I can see it is not insurance in the usual sense. This organization will simply hang onto your money, make money off it, and pay you something when you get covered medical care.

There are many people who can't afford insurance - nothing at all to do wtih being "undocumented" - but that is not what makes US healthcare expensive. What makes it expensive is that it is run for profit, and that includes the insurance companies. Being a christian outfit, this organization ought to be happy to help support the less fortunate.
Originally Posted by hrowen
Ouch well going to have a problem there then! All hospitals say they are not for profit. Is that kinda a lie then? Am guessing the costs of dealing with uninsured and undocumented people is put on the rest of us, end of the day someone pays!
Your question about the uninsured and undocumented was already explained. That is not what makes US healthcare expensive. What makes it expensive is as I explained above.Why do you continue to push that idea? It's incorrect.

Hospitals in the US have a nonprofit status as a business entity. That does not mean that they are either free or cheap. Nonprofits come in various kinds and it refers to their tax status, mostly. The insurance companies and the legal firms that protect their interests are most defnitely for profit.

Last edited by Lion in Winter; Oct 26th 2019 at 3:46 am.
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Old Oct 26th 2019, 5:52 am
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Default Re: Medi-share/Christian health insurance

The format is as old as the hills, basically a Mutual society.

I know they have been around in their current format for some time.
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Old Oct 26th 2019, 10:53 am
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Default Re: Medi-share/Christian health insurance

Ouch well going to have a problem there then! All hospitals say they are not for profit.
Mine is a 'not-for-profit' -it doesn't mean we don't want to make one, it just means we get certain tax write offs and certain extra payments from Medicare.
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Old Oct 26th 2019, 1:24 pm
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Default Re: Medi-share/Christian health insurance

Originally Posted by Lion in Winter
Your question about the uninsured and undocumented was already explained. That is not what makes US healthcare expensive. What makes it expensive is as I explained above.Why do you continue to push that idea? It's incorrect.
If thats the reason its so expensive it sounds so simple then to fix right or am I mistaken? The costs of looking after the uninsured and undocumented are what the hospitals say makes their financial state rocky.

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Old Oct 26th 2019, 7:17 pm
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Default Re: Medi-share/Christian health insurance

Originally Posted by hrowen
If thats the reason its so expensive it sounds so simple then to fix right or am I mistaken? The costs of looking after the uninsured and undocumented are what the hospitals say makes their financial state rocky.
It isn't the reason it's so expensive, no matter how many times you repeat it. It sounds simple, but it's simply incorrect.

A large part of the costs of uncompensated health care is paid by general taxpayers wh support assorted government assistance programs. They are not passed directly to those paying through health insurance. About 75 - 85% of it is covered by the general taxpayer, and is not paid by the health care provider, The amount in total represents about 6% of total hospital expense in a year, so 75% to 85% of that insu6% is not paid by the hospital. So we are now talking of a tiny amount. Nothing at all to do with what they charge you. What they charge you is driven up by the insurance industry and legal costs.

Health care is a for profit business in the US. Hospitals, insurance companies, legal companies and the pharmaceutical industries all make a huge profit.

https://www.axios.com/health-care-in...3e3316c64.html

https://www.ncbi.nlm.nih.gov/books/NBK221653/


So it would probably be good if you stopped repeating the untruth that the cost of health care is due to you, the patient, is due to undocumented migrants (most of whom pay tax, by the way, and so contribute to the payment to hospitals) and to the uninsured. It's just incorrect.

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Old Oct 26th 2019, 7:19 pm
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Default Re: Medi-share/Christian health insurance

Originally Posted by civilservant
Mine is a 'not-for-profit' -it doesn't mean we don't want to make one, it just means we get certain tax write offs and certain extra payments from Medicare.
Indeed. Hospitals raise billions every year due to their 501c3 status. I work for a 501c3 (not a hospital) too.
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Old Oct 26th 2019, 11:47 pm
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Default Re: Medi-share/Christian health insurance

The biggest Healthcare participant is the Government Medicare, Medicaid, VA etc etc.

Illegals etc certainly do have an impact, you can hardly include one component and ignore others.
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Old Oct 27th 2019, 3:35 pm
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Default Re: Medi-share/Christian health insurance

There always seems to be a way to play the system I had a neighbour who was on medicaid with a zero copay zero deductible plan yet driving around a 60k merc so go figure that one out! His house was a nice 4br place also.

Abuse of the system happens on both sides from what I can see. Didnt a massive hospital in Philly close recently due to financial shortfalls?
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