Acts 4:34 states, “For there was not a needy person among them, for all who were owners of land or houses would sell them and bring the proceeds of the sales.”  This was an extraordinary, spontaneous out-pouring of love on the part of the new believers in the early church. Wouldn’t it be wonderful to see that happen today?
Christians are concerned about healthcare costs and the implications of the Affordable Health Care Act passed by the Obama administration. Many have wondered how to get Christian health insurance coverage. Medi-share is a company that provides health and disability coverage that is based on biblical principles.
How to Get Christian Health Insurance Coverage
Medi-share is a cost sharing program, which is unlike traditional insurance products. In fact, it is not health insurance and is not required to be licensed or regulated by any insurance company.
How Does Medi-share Work?
Each member contributes a monthly share. This amount varies by the number of people in the household and the age of the oldest member. The money is kept in an account with America’s Christian Credit Union. When a member has an eligible expense, the money is then pooled from this account to cover it.
Medi-share also offers a disability program called Manna. It works on the same principle as the health cost sharing program but provides twelve months of income replacement. Manna will cover up to 80 percent of income for an eligible disability claim.
How to Get Christian Health Insurance Coverage for Seniors
Senior Assist is cost sharing for people over the age of 65. This program covers expenses not covered by Medicare Parts A and B, such as hospitalization, skilled nursing, co-payments and deductibles. The cost is very competitive compared to other Medicare supplement programs and may cover eligible pre-existing conditions.
Cost Sharing Programs for Groups
Church and Christian organizations often struggle to find affordable healthcare coverage for their employees. Medi-share provides cost sharing programs that will not strain the budget of your organization. The program is similar to that of individual plans; however, members receive a discount on the membership fee. Monthly shares and eligible expenses are handled through a group administrator.
Health and Wellness Program
Medi-share offers a unique program that focuses on physical and spiritual well-being. Members are encouraged to pray and support each other. The Restore program offers personalized wellness coaching to help members achieve personal health goals. Members learn about healthy eating, exercise and weight loss through a coach who listens and prays for them.
Medi-share and the Affordable Health Care Act
The Affordable Health Care Act includes a mandate that requires most Americans to purchase health insurance by 2014 or pay a penalty. By enrolling in Medi-share, members are exempt from having to purchase government insurance. This is not only cost effective, but it also ensures that Christians will not be forced to provide financial support for practices that are not compatible with their values.
What is Christian Care Ministry?
Christian Care Ministry is a non-profit organization which oversees Medi-share and facilitates the cost sharing program. Christian Care does not pay expenses directly to health care providers; they simply oversee the processing of eligible expenses. Providers submit their bills directly to Christian Care to receive payment through cost sharing.54