As pointed out in several posts on this blog, sometimes the Christian Health Care Sharing Ministries have thorns.
Skyrocketing Obamacare premiums (which were not supposed to happen) have left far too many people seeking shelter from the storm in these non-insurance plans.
Sometimes they work very well.
Except when they don’t.
The Self Pay Patient initiated this post in November of 2013, long before the reality of the Obamacare serpent took a bite out of your wallet. If you, or anyone you know, are considering one of these offbeat plans, take a while to read through the article but pay special attention to the comments which are still being added.
Here is a ssssssampling . . . .
When my COBRA coverage ran out I began coverage with CHCM in August 2016. In October of that year I developed a kidney stone.
I gathered all of my bills and submitted them online with CHCM.
My claim from October had still not been paid. Yesterday I received a notice dated April 19, 2017 that since I was no longer a paying member my medical claims are no longer eligible for payment! I had paid for 7 months of coverage and had one medical incident and they refuse to pay even a portion of it. - April 25, 2017 at 9:06 am
We have no way of verifying this claim. But if true, claims submitted are denied if you are not a “dues paying member” once the clam has been adjudicated.
My family was a member CHM through out 2016. We took my son to the emergency room one late night of a large local hospital. It ended up being a non-issue and we were in and out in 15 minutes. The hospital charged us about $1,1,00 and would not accept any Health Care Sharing negotiated discounts. When I talked to the CFO of the hospital about this, he told to feel lucky that it wasn’t a major incident
I also had some health issues for the end of 2016 that were hard to diagnose, but simple to treat. We turned those bills into CHM and were denied because we were no longer with them in 2017 even though we paid premiums to them when the services were provided. We were told that it is their policy that if you leave them, they will not pay for reimbursement. - May 5, 2017 at 5:19 pm
Looks like we are on a roll here.
If your claims are not paid when you WANT to leave the plan, keep paying the dues.
Kind of like the Hotel California of health care claims.
There are dozens of comments dating back to 2013. Buyer beware.
#Obamacare #ChristianHealthCareSharingMinistries
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Source:
http://insureblog.blogspot.com/2017/10/shaking-faith.html
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