Christian Healthcare Ministries

What is health cost sharing?

Health cost-sharing is a way to satisfy your healthcare costs and help others while upholding your Christian beliefs and sticking to your budget.

Christian Healthcare Ministries (CHM), the nation’s first and longest-serving health cost sharing ministry, provides a cost-effective, accountable and faith-based framework to help fellow believers facing a health crisis. Likewise, brothers and sisters in Christ step in to help you in your time of need. Members’ pre-set monthly financial gifts to CHM are the funds used to share each other’s healthcare costs.

The ministry shares 100 percent of eligible bills and overall has shared $5 billion in members’ healthcare costs. CHM is also a Better Business Bureau Accredited Charity and the only health cost sharing ministry featured on  The Dave Ramsey Show.

CHM is a federally certified exemption to the individual mandate under the U.S. Affordable Care Act. As such, CHM is an eligible option for individuals and families under the national healthcare law.

Advantages of joining CHM

CHM is compassionate and faithfulBudget-friendly and cost-effectiveA federally certified exemption to the national healthcare law ; eligible option for individuals and familiesBetter Business Bureau Accredited Charity Generous maternity program Flexibility in choosing your own health care providers No application fee or annual feeNo one is dropped or denied membership due to medical conditions Costs are not adjusted based on medical conditions or history Bill discounts often eliminate out-of-pocket expenses Longevity, accountability and integrity…Low administrative costs (1-2 percent annually) One free month for each new membership you bring to CHM Knowing that each financial gift (monthly payment) goes to help a fellow Christian as fellow Christians stand by to help you!

One Share Health

OneShare Health exists as a witness to the love and faithfulness of God as He provides for the medical needs of His children. Membership in OneShare Health is open to everyone who agrees with our core biblical principles relating to life, health, and caring for others, as evidenced in our shared Statement of Beliefs. Through their Monthly Contributions, Members are sharing one another’s medical bills and demonstrating the love of God to the entire community.

This sharing also demonstrates that the community can come together in mutual love and respect.

As an ACA-exempt Health Care Sharing Ministry , OneSharesm breaks every mold. Our Sharing Programs are affordable and flexible for each Member of our Faith Community, and offer inclusivity and simplicity unlike any other medical cost-sharing ministry.

A Sharing Community

Inspired by the modern sharing economy, our model centers on Member-to-Member sharing, basically people helping people.

Sedera Medical Cost Sharing Members support one another’s financial and physical health by sharing burdensome medical expenses.

Members are supported by services that empower them to be engaged healthcare consumers and are backed by a Community that cares.

Affordable Monthly Cost

Memberships start as low as $97/month.

Freedom from Networks

There’s no such thing as “out-of-network” with Sedera. We go where you go.

24/7Telemedicine*

Board certified doctors available virtually to help you with non-emergency needs.

Expert 2nd Opinions*

Get 2nd opinions on surgeries and new diagnoses from some of the worlds top doctors.

Compassionate Member Services

Our expert advisors help you navigate the complex world of medical care.

Cash Pay Friendly Resources

Members can shop for high-quality prescriptions and medical care at the best price.

WARNING: SEDERA, INC. IS NOT AN INSURANCE COMPANY AND THE SEDERA MEDICAL COST SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY. WHILE EVERY EFFORT IS MADE TO MEET MEMBER’S MEDICAL NEEDS, SEDERA, INC. AND THE SEDERA MEDICAL COST SHARING COMMUNITY DO NOT GUARANTEE PAYMENT OF ANY MEDICAL EXPENSE.

Families Helping Families Share Medical Expenses

Trinity HealthShare offers a wide range of Health Care Sharing Ministry programs designed to reduce costs and put the power of choice back into the hands of individuals and families. These programs are not insurance, but another option for affordable access to health care.

Trinity aims to minister to its collective membership and bring together a community of faithful Christians. Along with the ideal of health care sharing ministries, the mission of Trinity HealthShare is deeply rooted in Scripture. Health care sharing ministries (HCSM) have been around for centuries, and our ministry, which traces its sharing of medical needs among members back to 1997, aims to continue that tradition for many generations to come. Your health is vital to your ability to live a full and fruitful life, yet the cost to maintain a healthy lifestyle is often overbearing. Trinity, like its predecessor, desires to lighten the heavy burden that health care costs place on individuals and families.

“My burden is light” -Matthew 11:30

Health care sharing is not insurance; it is a voluntary commitment of members which share a common set of religious beliefs to act and live responsibly and to honor a covenant made with each other. Our ministry is eternal, just as God’s love is everlasting. Trinity HealthShare is a community where you belong.

“Share with the Lord’s people who are in need”

-Romans 12:13

A non-profit Health Care Sharing Ministry

One Monthly Price – Regardless of Size

Whether your family has one child or ten, your Liberty HealthShare family membership protects the entire family, all for one price per month. Regardless of your family size, Liberty HealthShare the whole family with membership in a sharing community that comes together to share the burden of medical expenses. Your family shares so much between each other, why not share your healthcare program too?

Liberty HealthShare provides families an affordable way to share medical expenses among their fellow members. Liberty HealthShare is not insurance. We bring together thousands of members from across the entire country to share each other’s burdens relating to medical expenses. Learn how you can protect your family from potentially costly medical bills today!

Why Liberty HealthShare?

Liberty HealthShare can help your family save big on their healthcare expenses by sharing expenses among your fellow members. Families of three or more people can join the Liberty HealthShare community for as low as $599 per month with no contract and enrollment throughout the entire year. Plus, you can keep your doctor so there’s no need to establish new relationships when you become a member!

MEDICAL COST SHARING

Here at Zion Health, we provide an organized way to share in one another’s medical burdens. Medical cost sharing is not a new concept but a proven and effective alternative to health insurance.

EVERYONE ACCEPTED

We do not decline anyone for prior medical conditions or religious beliefs.

SHARE MEDICAL COSTS

We share each others medical costs as a community of like minded individuals.

HEALTHY LIVING

We encourage healthy living within our community which helps us all.

ATTENTIVE TO NEEDS

We process medical needs quickly for our Members, often within 5 business days.

GAIN FREEDOM

Our members can work with any provider without network restrictions.

NO ANNUAL CAPS

Our sharing program does not have annual or lifetime caps on your need requests.

MEMBERSHIP ACCESS

Contribute directly with your employer or Direct Primary Care practice.

WORLDWIDE

Share in a medical costs when on a vacation or serving a mission outside the USA.

Years of Sharing Experience

We have been managing our member’s medical needs for over 2 decades and readily help our members with the knowledge and experience necessary to navigate the health care world.

Membership Services & Discounts

COUNSELING

Because the membership is made up of people that care for one another, we are pleased to provide counseling services that members can share with everyone in their family—even those not on the membership!

TELEMEDICINE

Members can contact licensed physicians any time of day via phone and nurse lines to help diagnose issues from the comfort of their home, workplace, or while traveling.

LASIK

Savings of 40%–50% off the overall national average cost for Traditional LASIK surgery. WA customers will save 15% off standard prices or 5% off promotional prices

PRESCRIPTION SAVINGS

15%–60% off the retail price of generic drugs and 10%–25% off the retail price of brand name drugs.

VISION

Save 5–40%.

DENTAL

Save 20%–50% on most dental procedures.

ALTERNATIVE HEALTH

Save 25% on services from specialty health care providers. Not available in WA.

DIABETES

20%–40% off the retail price of Disposable Medical Supplies, Nutritional Supplements and Daily Living Aids

DURABLE MEDICAL SUPPLIES

5%–40% off of durable medical equipment and services. Not available in WA.

HEARING

Savings of 30%–60% on hearing aids. WA customers will save 15% off standard prices or 5% off promotional prices.

Monthly Contribution Requests

The Head of Household or Primary Member is sent monthly contribution requests based on age and/or number of household members, which they submit to stay active in the membership.* Use the chart to find out what your contribution amount would be. A Family membership is a household membership with 3 or more members.

NOTE

Members whose weight exceeds the membership standard will have a share increase added to their monthly contribution.

Thanks to Obamacare, the medical sharing plan industry is booming because the traditional plans are to expensive and people are looking for a way to help themselves.

Comparing ACA Plans To A Health Share

Health Sharing programs are 501(c) 3 non-profit organizations that help their members share their money to pay for each other’s medical bills. These programs are not insurance programs in the traditional sense, but they do cover your medical expenses and can save you hundreds of dollars on premiums and deductibles compared to ACA plans

Coverage for unexpected medical bills – A health sharing plan covers you for unplanned, costly medical expenses like a broken bone or getting diagnosed with a disease like cancer

A PPO Network – Most Health Sharing plans offer a Preferred Provider Organization (PPO) where members can choose in-network doctors to receive discounted medical care

Coverage for prescriptions – Prescriptions can be covered but are limited to six (6) months of treatment for each medical condition over the lifetime of the Member.

They require a commitment to certain Christian Tenets

 – Because most health sharing organizations are Christian faith organizations, they do not cover health needs that fall outside the tenets of the religion. Things like alcohol abuse, illegal drug use and birth control related costs are not covered. 

They can exclude pre-existing conditions – If you have preexisting conditions, they can choose not to accept your member applications since they are not governed by the affordable care act.

Share in the financial health burdens of other members – Your monthly share payments go directly to helping other members pay for their medical bills.

Ask for your medical history – As a part of the application process, most health shares ask you to complete a medical history questionnaire before your application is approved.

They may limit medical coverage levels – health share plans usually do not offer unlimited medical coverage. They will cover you up until a point, usually $1 million, after which you have to start paying the medical bills.

Do You Have To Be Christian To Have Christian Care?

In order to qualify to become a member, you have to abide by the tenets of the health share. This usually includes making a statement of faith when you sign up. Beyond that, members are asked to agree to live by biblical standards and to support one another’s burdens. However, there aren’t explicit requirements that applicants have to belong to a church to become members.

When considering this type of plan always ask the following:

What type of plan is it HMO (do not have out of network benefits), PPO (has in and out of network benefits), and Health Saving Account Plans (HSA) (let you save for medical expenses on a tax deferred basis). Are my current providers covered? Are my current medications covered? Are any of my treatments or services excluded? To shortcut reading the whole summary plan description document, go to the exclusion section first. Then you service is not specifically excluded read the entire document.

Comparing ACA Plans To A Health Share

So how do Health Share plans stack up to a comparable ACA plan? Below is an example of the comparison for someone who’s 29 years old and doesn’t have health issues.

So how do Health Share plans stack up to a comparable ACA plan? Below is an example of the comparison for someone who’s 29 years old and doesn’t have health issues.

ACA Plan Health Share Premium Cost: $222, $242, Deductible $8,550, $3,000. What insurance pays before deductible is met: $0. $0 Visit to a Primary Care Provider. $30-$35 Visit to a specialist. Deductible must be met first. $35 Telemedicine Not covered. Free Prescriptions Deductible must be met first, then 100% 6 months covered after deductible has been met. ER Visit Deductible must be met first, then 100% $200 per visit. Inpatient Hospital Visit Deductible must be met first, then 100%. Deductible must be met first, then 100%. Mental Health Deductible must be met first, then 100% 6 months psychotherapy covered. Pregnancy Deductible must be met first, then 100% Coverage limited to tenet guide lines. In Network Coverage Varies by plan, 990,000 nationwide providers. Out Of Network Coverage Varies by plan. Plan pays 70%, you pay 30%

Reviewed: Which Health Share Company Is Right For You

Trust is important when it comes to finding a health share organization that fits your needs. When the affordable care act was passed, so-called “health share” companies started to pop up as a way to skirt ACA requirements and offer sub-standard coverage. These newer organizations were also notorious for being slow to pay for benefits or even not paying at all.

KEEP YOUR DOCTORS

Most members are able to keep their current Doctors with a Healthcare Sharing program due to the large, national provider networks.​

SAVE MONEY

Compared to traditional health insurance, members who join a Healthcare Sharing program can lower their monthly cost by as much as 50%.​

PEACE OF MIND

Healthcare Sharing programs have been around for over 35 years and billions of dollars of healthcare needs have been shared by fellow members.​

Are you paying too much for Healthcare?

If you’re looking for a solution to the rising costs of Health Insurance and Obamacare, you’ve come to the right place. Let Christian Health Ministries show you how a healthcare sharing program can save you as much as 50% per month over traditional health insurance.

​​Classic Program Highlights

Doctor’s Office and Specialist Visits, Preventive and Wellness Care, Prescription Discount Drug Program, Lab and Diagnostics, Urgent Care, Emergency Room, Hospitalization and Surgery, Maternity, Access to a national network of physicians, Telemedicine – $0 Consult Fee

MANY OF THE MEDICAL SITES START OFF WITH:

Health Sharing FAQs FOR UHSM

Is Christian Medical Health Sharing Right for Me?

The truth is that only you can determine if health sharing is right for your situation. We do think that it is important you gather information and weigh options before making an important decision about your healthcare. UHSM’s approach is to make health care more simple, transparent, and friendly. We want our members and providers to discuss costs and billing codes prior to service so that everyone involved avoids those unexpected surprise medical bills. Our members learn more about their care so that they can save money for themselves and for our entire membership. UHSM is a different kind of health care. More care, less stress, and the best benefits for you and your family. To see if you qualify for membership please contact us to learn more.

How Long Has Medical Sharing Existed?

The Biblical concepts of communities of believers caring for one another has been part of America since before the United States were formed. Modern health sharing, also known as medical sharing and Christian healthcare, has been around for more than 40 years now and today, as many as 2 million Americans choose Christian health sharing. When the Affordable Care Act (ACA) was enacted, these medical sharing programs were NOT subject to the individual mandate tax penalty, and thus qualified as health coverage. With the 2019 reversal of the Obamacare tax penalty to $0, these health share programs, including emerging ministries, are exploding in popularity.

What exactly is health sharing and how does member-to-member sharing work?

Christian health share medical cost sharing programs are not medical health insurance plans. These programs are member-based fellowships where faithful people exercise their right to take charge of their own healthcare. In health sharing, monthly share contributions are used to help pay for other members medical expenses. Not all health sharing programs are designed the same, but member-to-member sharing in the UHSM community is AWESOME! Here’s how …

When a member pays the monthly share amount, UHSM records the contribution and deposits funds into escrow on each member’s behalf. For UHSM members that need healthcare, members simply present their UHSM card to participating providers at the time of service, and pay consult fees or costs outlined by their program. With the help of Third-Party Sharing Administrators, UHSM coordinates provider statements and member Share Requests. Each medical cost sharing request is analyzed and marked as Eligible for sharing, Follow-up Required, or Ineligible for sharing. If Eligible for Sharing, UHSM calculates the sharing costs, notes member ledgers, and authorizes escrow disbursement so that members can pay for one another’s medical needs. A member-to-member sharing statement is automatically generated for all members involved in the sharing event, whether contributing or receiving.

IF YOU ARE LOOKING FOR A PLAN THAT IS NOT BASED ON RELIGION OR GROUP OF RELIGOUS OFFERINGS YOU WILL LOOK AT PLANS LIKE SEDERA HEALTH PLAN

$31.2 M

Medical Bills Processed

176%

Member Growth Year-Over-Year

52%

Cost Savings through Negotiation

Why we do what we do:

America’s healthcare system isn’t working. High costs with little individual say? No thank you! There’s a better way: Medical Cost Sharing.

That’s Knew Health, and here’s how it works:

You contribute an affordable monthly share to a Community Fund, which gets you access to all of your  Membership Advantages. If an unexpected medical Need happens, your expenses are shared with you through this Community fund.

 

What we do:

We’re an inclusive Community, supporting one another’s health and unexpected, large medical expenses.

We provide affordable peace of mind for medical Needs.

We leave you with extra money in your pocket to put towards your expected medical costs, like your yearly check-up, with extra left over to invest in your healthy lifestyle

We make sign-up simple, transparent, and quick.

We have a proven history of success with Medical Cost Sharing.

 

Who we are:

We may be small, but, gosh, are we mighty! Established in 2017 by our Founder, Joshua Rosenthal, who also founded the Institute of Integrative Nutrition. 

Our Knew Health Team is dedicated in our pursuit to offer a healthcare solution, while using a trusted decades-old model.

We support our Community by giving back to others and our Members have a voice in which charities to which we donate. Knew Health strives to provide modern medical resources and innovative services that will create a new normal that allows our Members to be in control of their health and healthcare. 

We don’t want to box you into limited networks and we much prefer saying “yes” rather than “no”. We’re a bit rebellious to the norm, but in the best way possible! Why not better our health by supporting yours, without overcomplicating things and saving you money?

Get to know us better. Reach out. Say “Hi” and let us welcome you to our sharing Community!

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