Services

Medicare

One Medicare coverage choice is keeping original Medicare Parts A and B, plus Part D (or other credible prescription drug coverage), and adding a Medigap policy, also called Medicare Supplement plan. Today, we will cover functions of Medigap plans. In Part 3 of the ABC’s of Medicare, we will cover pros, cons, and factors to consider when selecting a Medigap plan.

To enroll in a Medigap plan, an individual must have Medicare Part A and B. The individual must pay the monthly premium for Part B, $164.50 in 2023, as well as a Medigap premium.

Christian Care Ministry (Medical Bill Sharing)

Medi-Share® is administered on behalf of its members by Christian Care Ministry, Inc. (also referred to as Christian Care Ministry, Christian Care, and CCM). Although Medi-Share® is not subject to state and federal insurance regulation, certain states require publication of the following disclosure to meet exemption qualifications:

We encourage you to seek the advice of a health insurance professional to

further explain the difference between state-regulated health insurance and mutual sharing ministries such as Medi-Share®.

As a Member of Medi-Share, which is one of CCM’s programs, we often refer to you as a Member of CCM. This membership entitles you to receive and gain access to all of our free services and resources. In turn, we ask for your prayerful support of our efforts on behalf of the Christian community. Under Florida statutes, membership does not entitle you to any rights as a member of a corporation not for profit or otherwise.

NOTICE: Medi-Share is not insurance or an insurance policy nor is it offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other member will be compelled by law to contribute toward your medical bills. As such, Medi-Share should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not Medi-Share continues to operate, you are always personally responsible for the payment of your own medical bills. Medi-Share is not subject to the regulatory requirements or consumer protections of your particular State’s Insurance Code or Statutes.

Health Insurance

A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.

Get health insurance with the flexibility of cost and coverage.

If you don’t have health care coverage through your employer, or if you’re self-employed, individual health insurance is essential. Don’t panic about the costs; plans may be cheaper than you expect if you shop around, and you’ll often have a lot of flexibility when it comes to the balance of premium costs and coverage.

What should you consider when choosing a policy?

Depending on your health level and appetite for risk, you can often find a policy and price that’s just right for you. The four main variables to consider include the deductible, copayment, annual limits, and the actual coverage offered in your policy.

Deductibles, the amount you pay before insurance pays.
Copayments, the percentage that you pay toward medical bills.
Annual limit, the total amount the insurer pays.
Medical services, treatment, and drugs the policy covers.

Preventative care is typically taken care of.

When getting individual health insurance, insurance providers typically pay up to 100 percent of the costs of preventative health care, such as checkups, screenings, and vaccines. This is an important aspect to know when selecting a health insurance policy.

Health insurance can be a complicated subject. Contact us to learn more about it and your coverage options.

Travel Protection

Travel Protection is a service that gives families peace of mind. This service is perfect for people who drive or fly away from home at least 75 miles every year, whether it’s driving to work every week or taking a vacation once a year. This plan works anywhere in the world. One fee covers you the rest of your life!