Loved the subway diagram! You may be pleased to know that I am now transitioning to a sugar-free lifestyle - now in my 4th week of no added sugars. Also, no more statins, no more BP poisons, but a lot of additional physical activity and water.
US costs are rediculous and some states are worse than others. I was paying Over $1000/mo for a family of 3 in CA and sibling paid 1/10th in a different state.
Things are getting expensive for insurance companies in the US. They're being forced to pay for Ozempic and I've read they are paying for sexual trans surgeries.
It’s unconstitutional for them to do that. Obama went against the constitution. If you need to get a constitutional lawyer so theIRS will leave you alone.
I do not think so, but the Marketplace will eventually get you via your tax return if you did not report your annual income correctly. Its subsidy will demand repayment of your miscalculation from your tax return.
Dr. Huber, thank you for this. I have felt for years that my insurance coverage is a terrible value. Meaning, I pay for it, but it virtually never pays for anything (though I did just break my ankle…can’t wait to see the EOBs roll in). I have Medicare, parts A (free) and B (about $170/month). And I have a comprehensive Medigap supplement policy for about $175/month. My doctor is a functional medicine MD with her own clinic which understandably is direct pay, so I pay for that out of pocket. When she can, my doctor helps me with having Medicare pay for a test (some blood work, some microbiome testing). I’m always tempted to instead buy into one of these HealthShare plans, but I can never get a handle on how much it will exactly cost. I did medical billings for many years, so I can’t help wanting to know all the details. What’s the exact monthly premium? How much will it go up each year? What is the deductible? CoPay details? What are the specifics on drug coverage? Do they pay for all the supplements that insurance never covers? What if I have an extremely expensive thing occur? Surgery, cancer, major injury, etc. what if another person in the pool has huge expenses? When they say ‘you pay for other’s expenses’, is there any limit on this? I just feel like it’s water through my fingers when I try to pin this stuff down. Maybe I’m missing something, but I can’t pull the trigger on buying something unless I know the exact price. Let’s face it, those of us with ‘conventional’ insurance are afraid to cancel it, in case of major surgery, expensive illness, or major injury…even though we have a healthy lifestyle trying to minimize the chance of those things happening, as well as the fact that we avoid ‘regular’ medical providers whenever possible.
Health shares are a great option. I've found in my life that health "insurance" is typically *not* necessary. I do wish they offered more catastrophic plans for major issues, but I've only every had medical insurance when it was purchased as a benefit at a job. If we do a better job with actually paying attention to our bodies and eating properly we can avoid so many things. Also, learning just a tiny bit of first aid is extremely beneficial. And then, in those *rare* circumstances when we need to go to the doctor, we pay cash for the visit. We don't need 10 tests for everything every time we go, etc. People have been conditioned to think they "have" to go to the doctor every time they have an ache or a sniffle. Nothing could be further from the truth. I can almost count on one hand how many times myself, my parents, grandparents and great grandparents went to the doctor.
I am not your other: yes. Medicare supplement policies (Medigap) only pay the remaining balance of a service which was initially covered by Medicare…otherwise, they pay nothing. So, do these health share plans cover stuff not covered by Medicare?
I was enrolled w/Christian Health Care Ministries for 7+ years - was very pleased with Gold coverage. I turned 65 last year & now have Medicare, w/no Medigap coverage. It is my understanding that CHCM does offer supplement policies (Medigap). I choose, based on a personal decision not to enroll.
The problem is if you have a major event, like a surgery, or in my case, an overpriced ER visit. I went into an ER for a few hours - some imaging and blood tests, pain killers, and was sent home - and was charged $12,000. They turned around and charged Medi- share $24,000 of which Medi-share paid $3000. The hospital doesn’t include the $3000 in the $12,000 charge.
Then picture if you found out you had a disorder like pancreatitis, which can require a lot of long hospital, stays and procedures, for years. Or cancer. Etc. unless you have no assets and very little income, it can really destroy you if it turns out, you have something major with only a sharing plan.
They only pay a portion, and you don't know what that would be. In my case they paid 1/4 of what my costs were. So it's a gamble. I can see taking the gamble if you are largely healthy. But if you got something serious, you could lose a LOT.
I think that is one of their principles: no government insurance. One reason is that Medicaid covers abortions through tax dollars. (Obviously Christian ministries are not covering abortions.)
I love the sound of this. How do I do this now that I'm newly on Medicare? Where/how do I look? A friend said Medicare won't cover these doctors? I'm in NH. Thank you for any advice.
Yes it is sad that we pay a monthly fortune at discovery but can't choose which treatment or medicine to take.. and there was a time in the recent global totalitarian "business plan", that discovery bill (penalize) you more if not poisoned by the jab.
My problem is how to find a decent chiropractor or other natural doctors? I went to a recommended chiropractor a few years ago and I left feeling like I had been physically assaulted. My chiropractor had retired and I wanted to find one that knew how to treat me and not just do what they do to everyone.
The problem with the share plans is if you are not on Medicare yet and don’t have insurance through work, and have a major event happen like a surgery, or in my case, an overpriced ER visit. I went into an ER for a few hours - some imaging and blood tests, pain killers, and was sent home - and was charged $12,000. They turned around and charged Medi- share $24,000 of which Medi-share paid $3000. The hospital doesn’t include the $3000 in the $12,000 charge.
Then picture if you found out you had a disorder like pancreatitis, which can require a lot of long hospital, stays and procedures, for years. Or cancer. Etc. Unless you have no assets and very little income, it can really destroy you if it turns out, you have something major with only a sharing plan.
Loved the subway diagram! You may be pleased to know that I am now transitioning to a sugar-free lifestyle - now in my 4th week of no added sugars. Also, no more statins, no more BP poisons, but a lot of additional physical activity and water.
>$659 for single coverage per month
WTF
My Australian coverage (annual)
taxes (annually to Medicare out of pocket) $1270
Private hospital cover (annually, the best in the country): $2400 (no extras - I pay cash direct for dental work).
AUD $305.83/month
Exchange rate = USD $194/month
US costs are rediculous and some states are worse than others. I was paying Over $1000/mo for a family of 3 in CA and sibling paid 1/10th in a different state.
Things are getting expensive for insurance companies in the US. They're being forced to pay for Ozempic and I've read they are paying for sexual trans surgeries.
Ha ha good for them, they want to play the game they have to pay... shame, poor sods
Health scare in America scAmerica, tis death care.
I don't dare use it, but for the avoidance of a tax penalty.
They keep trying to get blood money from me , a stone...
It’s unconstitutional for them to do that. Obama went against the constitution. If you need to get a constitutional lawyer so theIRS will leave you alone.
Who can afford to hire a lawyer?
I thought that, during the Trump presidency, they changed the penalty to ‘zero $’? Has that changed back to an actual penalty?
I do not think so, but the Marketplace will eventually get you via your tax return if you did not report your annual income correctly. Its subsidy will demand repayment of your miscalculation from your tax return.
Well, sure, you have to accurately report your income, when you are enrolled in ACA/Obamacare.
Of course. But you have to make a guess sometimes. And if your situation changes, it's a good idea to go back in and update.
Dr. Huber, thank you for this. I have felt for years that my insurance coverage is a terrible value. Meaning, I pay for it, but it virtually never pays for anything (though I did just break my ankle…can’t wait to see the EOBs roll in). I have Medicare, parts A (free) and B (about $170/month). And I have a comprehensive Medigap supplement policy for about $175/month. My doctor is a functional medicine MD with her own clinic which understandably is direct pay, so I pay for that out of pocket. When she can, my doctor helps me with having Medicare pay for a test (some blood work, some microbiome testing). I’m always tempted to instead buy into one of these HealthShare plans, but I can never get a handle on how much it will exactly cost. I did medical billings for many years, so I can’t help wanting to know all the details. What’s the exact monthly premium? How much will it go up each year? What is the deductible? CoPay details? What are the specifics on drug coverage? Do they pay for all the supplements that insurance never covers? What if I have an extremely expensive thing occur? Surgery, cancer, major injury, etc. what if another person in the pool has huge expenses? When they say ‘you pay for other’s expenses’, is there any limit on this? I just feel like it’s water through my fingers when I try to pin this stuff down. Maybe I’m missing something, but I can’t pull the trigger on buying something unless I know the exact price. Let’s face it, those of us with ‘conventional’ insurance are afraid to cancel it, in case of major surgery, expensive illness, or major injury…even though we have a healthy lifestyle trying to minimize the chance of those things happening, as well as the fact that we avoid ‘regular’ medical providers whenever possible.
Health shares are a great option. I've found in my life that health "insurance" is typically *not* necessary. I do wish they offered more catastrophic plans for major issues, but I've only every had medical insurance when it was purchased as a benefit at a job. If we do a better job with actually paying attention to our bodies and eating properly we can avoid so many things. Also, learning just a tiny bit of first aid is extremely beneficial. And then, in those *rare* circumstances when we need to go to the doctor, we pay cash for the visit. We don't need 10 tests for everything every time we go, etc. People have been conditioned to think they "have" to go to the doctor every time they have an ache or a sniffle. Nothing could be further from the truth. I can almost count on one hand how many times myself, my parents, grandparents and great grandparents went to the doctor.
Rob D, do you purchase health shares yourself?
Is there a Medicare supplement version of this type of insurance?
I am not your other: yes. Medicare supplement policies (Medigap) only pay the remaining balance of a service which was initially covered by Medicare…otherwise, they pay nothing. So, do these health share plans cover stuff not covered by Medicare?
I understand how Medicare + medigap plans work. I want to know if it makes sense to get Medicare + health share plan.
I was enrolled w/Christian Health Care Ministries for 7+ years - was very pleased with Gold coverage. I turned 65 last year & now have Medicare, w/no Medigap coverage. It is my understanding that CHCM does offer supplement policies (Medigap). I choose, based on a personal decision not to enroll.
Thanks for your perspective!
The problem is if you have a major event, like a surgery, or in my case, an overpriced ER visit. I went into an ER for a few hours - some imaging and blood tests, pain killers, and was sent home - and was charged $12,000. They turned around and charged Medi- share $24,000 of which Medi-share paid $3000. The hospital doesn’t include the $3000 in the $12,000 charge.
Then picture if you found out you had a disorder like pancreatitis, which can require a lot of long hospital, stays and procedures, for years. Or cancer. Etc. unless you have no assets and very little income, it can really destroy you if it turns out, you have something major with only a sharing plan.
So, do you mean that the sharing plans don’t pay for major events?
They only pay a portion, and you don't know what that would be. In my case they paid 1/4 of what my costs were. So it's a gamble. I can see taking the gamble if you are largely healthy. But if you got something serious, you could lose a LOT.
I think that is one of their principles: no government insurance. One reason is that Medicaid covers abortions through tax dollars. (Obviously Christian ministries are not covering abortions.)
I love the sound of this. How do I do this now that I'm newly on Medicare? Where/how do I look? A friend said Medicare won't cover these doctors? I'm in NH. Thank you for any advice.
Thank you ! Shared to all my social media platforms, including messenger!
Yes it is sad that we pay a monthly fortune at discovery but can't choose which treatment or medicine to take.. and there was a time in the recent global totalitarian "business plan", that discovery bill (penalize) you more if not poisoned by the jab.
My problem is how to find a decent chiropractor or other natural doctors? I went to a recommended chiropractor a few years ago and I left feeling like I had been physically assaulted. My chiropractor had retired and I wanted to find one that knew how to treat me and not just do what they do to everyone.
Medishare and CHM don’t help with functional medicine or chiropractic, generally, fyi. Very pro-family/pregnancy/baby though.
I looked into Medishare and I didn't like the part about having to prove we go to church.
The problem with the share plans is if you are not on Medicare yet and don’t have insurance through work, and have a major event happen like a surgery, or in my case, an overpriced ER visit. I went into an ER for a few hours - some imaging and blood tests, pain killers, and was sent home - and was charged $12,000. They turned around and charged Medi- share $24,000 of which Medi-share paid $3000. The hospital doesn’t include the $3000 in the $12,000 charge.
Then picture if you found out you had a disorder like pancreatitis, which can require a lot of long hospital, stays and procedures, for years. Or cancer. Etc. Unless you have no assets and very little income, it can really destroy you if it turns out, you have something major with only a sharing plan.
It sounds like the hospital is trying to cheat Medi-share. I wish we could somehow beat them at their own game.