Healthcare Sharing Ministry HSM

Healthcare Sharing Ministry (HealthShare) Plans

If you are looking for one of the most cost effective short term plans or you need coverage for pre-existing conditions
click here  You will see a plan with $25,000 in pre-existing coverage included with the plan.

If you are looking for multiple plan choices click here.

If you need Guaranteed Issue Short Term plans click here.  Please make sure to read the Brochure to see how coverage will pertain to you and your specific needs.

Healthcare Sharing plans:

Are you looking for an alternative solution to the rising costs of Health Insurance and Obamacare?  Quite a few of my clients express to me that the rising cost of healthcare plans are just to un-affordable for them.  However, they still need good coverage.

Healthcare Sharing plans have been around for a while, but became very popular during the inception of Obamacare, (Healthcare Marketplace coverage) due to these types of plans using a different type of coverage method that was still complaint with the new laws.

One of the main concerns of my clients is not providing coverage when needed.  I have found that as long as the client gets all authorizations for procedures from the plan provider, they do not have this problem.  I have assisted my clients with numerous claims through these sharing plan providers and have found them to be far easier to deal with than the Healthcare Marketplace.  Some cases of my clients that have been approved have been hip replacements, maternity care, colonoscopy, just to name a few.  I thoroughly enjoy enrolling my clients in these plans and have been representing them for quite a while.

Another concern clients have is the thought of sharing money beyond the monthly premium cost to assist other members in paying for their healthcare costs.  This is absolutely not the case.  Every member pays their monthly share amount for their plan and that is it.  The plan works like a traditional insurance carrier and uses those premiums to pay claims for it’s members.

These plans have been great to my clients need’s and they can be enrolled in them anytime throughout the year.  They operate kind of similarly to traditional health insurance, but are covered through a Faith Based Healthcare plan.  They are not considered insurance plans in the idea that they are not a Major Medical Health Insurance carrier like Humana or Blue Cross.  They are Faith based plans that provide healthcare coverage to their members.  They use different terminology but the concept is very similar.

These plans provide:

  • Doctor’s Office and Specialist Visits
  • Preventive and Wellness Care
  • Prescription Drug Program
  • Lab and Diagnostics
  • Urgent Care
  • Emergency Room
  • Hospitalization and Surgery
  • Maternity
  • Access to a national network of physicians
  • FREE 24/7/365 access to doctors through Telemedicine

All at a price that is lower than individual or family plans on the Healthcare Marketplace.  Give me a call to see if one of these plans would be a great fit for you and your family!

If you would like to see some of these plans pricing or coverage check out the two links below.

One Share –

If you live in any of these states check the link below to see plans;  States Available – AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY

Aliera/Ensurian –

If you live in PA check here to see plans.

These products are currently not available in MD or VT.