Medical sharing programs instead of insurance??

Discussion in 'Other Conversation' started by mommix3, Oct 1, 2013.

  1. JosieB

    JosieB Active Member

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    I was referring to medicaid, which is free which was what my kids were on when hubby was unemployed before ...
     
  2. CrazyMom

    CrazyMom Banned

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    I'm not impressed. This could work out if you're young and healthy. But I noticed that the "sharing level" goes up worse than Blue Cross Blue Shield as you get older.

    Also, I'm not GETTING the Christian part.

    If you have a pre-existing condition...they won't cover it. How is that Christian?

    If you have health problems and their "health coach" doesn't think you're trying hard enough to improve your numbers.....they dump you. How is that Christian?

    Adult kids going to college? After 22, they dump them.

    And here's the big one. You get older, and suddenly that government insurance isn't such a bad thing after all...they tell you to go on Medicare, and dump you. How is it Christian to cherry pick the system? If you're going to cover health care, you need to cover health care. For everyone. That's sharing burden. Choosing to JUST cover healthier, younger people is a great way to keep costs down...but since when is that Christian?

    I just ran my numbers. My family gets a better rate from Independent Blue Cross Blue Shield. Covers office, lab, hospitalization, Rx's, Dental, mental health, physical therapy, and my kid gets to stay on it until she's 26. No exemptions for pre-existing conditions. No arbitrary rules about what's covered and what isn't. No statements of faith, or behavior rules. Blue Cross takes in everyone. Which in my mind...is MUCH more Christian.

    Just sayin.

    That said...I know several states don't have good public options (like Blue Cross)....but here in Michigan it would be crazy for me to give up better, cheaper coverage for this. Other states might be very different.

    I feel more Christian knowing my insurance would cover people who are really sick and in trouble (pre-existing, ongoing health issues, etc.) even if not everyone shares my faith.
    I just want people to get the care they need.
     
    Last edited: Jul 15, 2014
  3. mommix3

    mommix3 Active Member

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    We have blue cross and they DO NOT cover Pre-existing for a whole year after coverage begins.
     
  4. CrazyMom

    CrazyMom Banned

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    I am looking at their site right now. (for Texas)
    http://www.bcbstx.com/employer/group_health_plan_changes.htm

    No waiting periods for pre-existing conditions since the ACA went into effect at the start of the year.

    Edit: Not suggesting you weren't told it wasn't covered....just saying you should press the issue a little, talk to the person in charge. If your policy is paid and in good standing....legally, they really are required to cover you. Pre-existing condition or not. This change is pretty new....make sure you're not looking at an old handbook or rider.
     
    Last edited: Jul 18, 2014

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