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{"id":190,"date":"2018-08-20T21:35:37","date_gmt":"2018-08-20T21:35:37","guid":{"rendered":"https:\/\/benefitwriters.com\/?page_id=190"},"modified":"2026-05-09T07:52:21","modified_gmt":"2026-05-09T07:52:21","slug":"faith-based-health-care-sharing-programs","status":"publish","type":"page","link":"https:\/\/benefitwriters.com\/?page_id=190","title":{"rendered":"Faith Based Sharing Programs Dallas TX"},"content":{"rendered":"<p><div  class=\"jk_fe_section jk_fe_fullwidth_section jk_section_regular jk_effect_parallax \" style=\" background-color:#efefef;      \" >\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container \" style=\"width:100%;\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"row   \" style=\"                \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-12 col-md-12 col-sm-12 col-xs-12 \" data-col-type=\"4_4\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><div 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     \n                    data-cycle-timeout='10000' data-cycle-pause-on-hover='false'\t\n                    data-cycle-slides=\"> div\" >\t\t\t\t\n\t\t\t\t\t<style>.adv_slider_395 .jk_slider_caption_text *{ color : #ffffff;} .adv_slider_395 .jk_slider_caption_text *{ font-size : 25px;} .adv_slider_395 .jk_slider_caption *{ text-align: center;}<\/style>     \n\t\t<div class=\"adv_slider_395 adv_slide_div\"  style=\"right:0;float:none;width:100%;height:100%; \" data-position=\"center\">\n                <img decoding=\"async\" u=\"image\" alt=\"Faith Sharing Programs\"  data-src=\"https:\/\/benefitwriters.com\/wp-content\/uploads\/2018\/08\/slider-kids-Benefit-Writers-insurance-company-rockwall-texas.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1170px; --smush-placeholder-aspect-ratio: 1170\/422;\" \/>\n\t\t\t\t\n\t\t\t\t<div class=\"caption cycle-caption jk_slider_caption jk_hide\" style=\"right:50px; width:90%\" >\n\t\t\t\t\t<div class=\"sliderconetent_vertical\">\n\t\t\t\t\t\t<div class=\"sliderconetent_vertical_inner _vert_overlay_center\" style=\" \">\n\t\t\t\t\t\t\t<div class=\"sliderconetent_vertical_overlay \" style=\"text-align:; padding:10px \">\n\t\t\t\t\t\t\t\t<div  class=\"jk_slider_caption_heading\" style=\"color:#ffffff;  adv_slider_395  font-size:200px; font-weight:bold; line-height:normal;\">Faith Sharing Programs<\/div>\n\t\t\t\t\t\t\t\t\t<div   class=\"jk_slider_caption_text\" style=\" \"><\/div>\n\t\t\t\t\t\t\t\t\t<div   style=\"position:relative; \">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t    \n        <\/div><\/div><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Slider <\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"3\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"preview_page_section_layer\"><i class=\"glyphicon glyphicon-edit\"><\/i><\/div>\n\t\t\t\t\t\t\t<a class=\"preview_page_section_setting\" title=\"Edit Section\" href=\"javascript:void(0)\" data-section_id=\"3\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n<\/a>\n\t\t\t\t\t\t<\/div><div  class=\"jk_fe_section jk_section_regular jk_effect_parallax \" style=\" background-color:#ffffff; padding-bottom:25px; padding-top:25px;    \" >\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container \" style=\"\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"row   \" style=\"                \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-12 col-md-12 col-sm-12 col-xs-12 \" data-col-type=\"4_4\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><style>.text_665 .fe_text_mod .entry-content > *{color:#000000;}.text_665 .fe_text_mod a{color:#0073aa;}.text_665 *{font-family:Helvetica;}<\/style>\n\t\t\t<article id=\"post-665\" class=\"190 post-190 page type-page status-publish hentry \">\n\t\t<div  class=\"preview_layer_container  text_665\" data-module-id=\"6\">\n\t\t<div style=\"padding-top:10px;  padding-bottom:10px;     color:#000000;\" id=\"\" class=\"fe_text_mod jk_text_align_left \"  ><span class=\"entry-content text_mod_aln_mob_left\"><h1 style=\"text-align: center;\"><strong><span style=\"font-size: 40px;\">What Is Faith-Based Healthcare?<\/span><\/strong><\/h1>\n<p>\nAt Benefit Writers, we understand that some individuals and families prefer faith-based health sharing programs as an alternative to traditional health insurance. These programs are not insurance, but rather communities of people who share medical expenses while living out shared values.<\/p>\n<p>\u00a0<\/p>\n<h2><span style=\"font-size: 25px;\"><strong>How Does Faith-Based Healthcare Work?<\/strong><\/span><\/h2>\n<p>\n<span style=\"font-size: 15px;\">Unlike traditional health insurance, these plans do not \u201cinsure\u201d people but rather \u201cshare\u201d healthcare costs among a large pool of people. Members pay into the system and upon receiving a bill from their physician other members of the plan will contribute to help pay the bill.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2><span style=\"font-size: 25px;\"><strong>What is an Annual Household Portion? (AHP)<\/strong><\/span><\/h2>\n<p>\n<span style=\"font-size: 15px;\">The AHP is the dollar amount a Member Household must pay toward their Eligible Medical Bills during a 12- month period before their needs will be approved for sharing. The AHP-12- month period begins with the effective date.<\/span><\/p>\n<p>\u00a0<\/p>\n<h4><span style=\"font-size: 25px;\"><strong>What Is The Health Incentive?<\/strong><\/span><\/h4>\n<p>\n<span style=\"font-size: 15px;\">A household may qualify for up to a 20&#37; off their monthly share amount with the health incentive. All adult Members must meet certain health criteria. To qualify, Members must verify their blood pressure, BMI and weight\/weight measurement within 90 days of each other.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><span style=\"font-size: 20px;\"><strong>For More Information on Faith based Healthcare... click <a href=\"https:\/\/benefitwriters.com\/contact\/\" target=\"_blank\" rel=\"noopener\">Here<\/a> or call<\/strong> <strong>Diane 214-771-3011.<\/strong><\/span><\/h3>\n<p>\n\u00a0<\/p>\n<\/span><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Faith-Based-Healthcare <\/div><\/div><\/div><\/article><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"4\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div><div class=\"row   \" style=\"                \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-12 col-md-12 col-sm-12 col-xs-12 \" data-col-type=\"4_4\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><style>.headline_401 *{color:#000000;}.headline_401 *{font-family:Helvetica !important;}<\/style>\n\t\t<div class=\"preview_layer_container \" data-module-id=\"7\">\n\t\t<div style=\"     \" id=\"\" class=\"fe_head_lines_mod headline_401 jk_mob_align_position_center jk_text_align_left \"  >\n\t\t<h2 style=\"color:#000000;  \">What is Medi-Share?<\/h2>\n\t\t<\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Medi-Share Headline <\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"5\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div><div class=\"row   \" style=\"                \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-12 col-md-12 col-sm-12 col-xs-12 \" data-col-type=\"4_4\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><div class=\"preview_layer_container \" data-module-id=\"8\"><div class=\"jk_video\" style=\"padding-bottom:5px;   padding-top:5px;    \">\n\t\t\t<div class=\"jk_video_box jk_text_align_center\" style=\"padding-bottom:56.25%;height:0;\">\n\t\t\t\t<iframe class=\"WH100 lazyload\" data-src=\"\/\/www.youtube.com\/embed\/5PQZr_1nr08?si=dWeQvBOREXb4j0uQ?rel=0&wmode=transparent\" frameborder=\"0\" allowfullscreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-load-mode=\"0\"><\/iframe>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"jk_video_end_overlay\" style=\"background-image: url();display:none;opacity:0;\">\n\t\t\t\t\t<div class=\"jk_video_overlay_hover\">\n\t\t\t\t\t\t<a href=\"#\" class=\"jk_video_play\"><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Medi-Share Video <\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"6\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div><div class=\"row   \" style=\"                \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-4 col-md-4 col-sm-4 col-xs-12 \" data-col-type=\"1_3\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><div class=\"preview_layer_container \" data-module-id=\"9\"><style>.jk_button_module a.button_dynamic_classes_1347:hover{ background : #f97b27 !important;}.jk_button_module a.button_dynamic_classes_1347{ background : #fca729 !important;}a.button_dynamic_classes_1347 *, a.button_dynamic_classes_1347, a.button_dynamic_classes_1347 span{font-family:Helvetica;}<\/style><div  class=\"jk_button_module  jk_text_align_center aln-center \"  id=\"\" style=\"\">\n\t\t\t<a href=\"https:\/\/www.medishare.com\/hubfs\/channel-partner-support\/agent-portal-resources\/medi-share-statement-of-faith.pdf\" target=\"_blank\" class=\"button_dynamic_classes_1347 jk_text_align_center\" style=\"   border-radius:10px;   margin-top:10px; margin-bottom:10px;  \" rel=\"noopener\">\n\t\t\t<span class=\"jk_button_text\" style=\" color:#ffffff; \">Medi-Share<\/span><br\/>\t\n\t\t\t<span class=\"jk_sub_button_text\" style=\" color:#ffffff;  \">Statement of Faith<\/span>\n\t\t\t<\/a><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Statement of Faith Button Link <\/div><\/div><\/div><div class=\"preview_layer_container \" data-module-id=\"10\"><div id=\"\"  style=\"text-align:center; margin-top:10px;  margin-bottom:10px;  font-family:Helvetica;    \" class=\" aln-center\" ><a href=\"https:\/\/apply.medishare.com\/?page=apply\" target=\"_blank\" aria-label=\"Logo image url\" rel=\"noopener\"> <img decoding=\"async\" data-src=\"https:\/\/benefitwriters.com\/wp-content\/uploads\/imported_pages\/Home-new\/faith_sharing_program_benefit_writers_insurance_rockwall_texas-1.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 160px; --smush-placeholder-aspect-ratio: 160\/161;\"><\/a> <span class=\"header_fe_span\" style=\" text-align:center;    font-style:normal; font-weight:normal;  \">Apply to Medi-Share<\/span>\n\t\t<\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Apply To Medi-Share Logo Link <\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t <\/div><div class=\"col col-lg-4 col-md-4 col-sm-4 col-xs-12 \" data-col-type=\"1_3\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><div class=\"preview_layer_container \" data-module-id=\"11\"><style>.jk_button_module a.button_dynamic_classes_1107:hover{ background : #f97b27 !important;}.jk_button_module a.button_dynamic_classes_1107{ background : #fca729 !important;}a.button_dynamic_classes_1107 *, a.button_dynamic_classes_1107, a.button_dynamic_classes_1107 span{font-family:Helvetica;}<\/style><div  class=\"jk_button_module  jk_text_align_center aln-center \"  id=\"\" style=\"\">\n\t\t\t<a href=\"https:\/\/www.medishare.com\/hubfs\/channel-partner-support\/agent-portal-resources\/medi-share-complete-guidelines-HTF.pdf\" target=\"_blank\" class=\"button_dynamic_classes_1107 jk_text_align_center\" style=\"   border-radius:10px; 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  margin-top:10px; margin-bottom:10px;  \" rel=\"noopener\">\n\t\t\t<span class=\"jk_button_text\" style=\" color:#ffffff; \">Medi-Share<\/span><br\/>\t\n\t\t\t<span class=\"jk_sub_button_text\" style=\" color:#ffffff;  \">Provider Search<\/span>\n\t\t\t<\/a><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Provider Search Button Link <\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"7\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div><div class=\"row   \" style=\"                \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-12 col-md-12 col-sm-12 col-xs-12 \" data-col-type=\"4_4\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><style>.tabs_228 *{font-family:Helvetica;}.tabs_228 .r-tabs{background:#ffffff!important;  border-color: #ffffff;}.tabs_228 .r-tabs .r-tabs-nav li.r-tabs-tab{background:#ffffff;}.tabs_228 .r-tabs .r-tabs-accordion-title .r-tabs-anchor{background:#ffffff;}.tabs_228 .r-tabs .r-tabs-nav .r-tabs-tab a.r-tabs-anchor{color:#036c99;}.tabs_228 .r-tabs .r-tabs-nav .r-tabs-tab:hover a.r-tabs-anchor{color:#036c99;}.tabs_228 .r-tabs .r-tabs-accordion-title .r-tabs-anchor{color:#036c99;}<\/style><div class=\"preview_layer_container \" data-module-id=\"13\"><div id=\"\" class=\"tabs_228 entry-content\">\n\t\t<div  class=\"jk_tabs tabs-left\">\n\t\t\t<ul><li><a href='#tabs-1'>Read More Here<\/a><\/li><\/ul><div id='tabs-1'><p><strong>Important Notes<\/strong><\/p>\n<p>- Faith-based sharing programs are not regulated insurance plans.<br \/>\n- Members agree to a Statement of Faith and lifestyle commitments.<br \/>\n- Please take a look at the guidelines carefully to make sure the option fits your needs.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Functions Similarly to a Credit Union<\/strong><\/p>\n<p>The underlying philosophy is similar to that of Credit Unions.\u00a0 Faith-based healthcare, like credit unions, is community-oriented and membership-driven non-profit.\u00a0 So, let's say Jake is a member of a faith-based health plan.\u00a0 Jake will contribute a monthly fee \u2013 a fee that would be much lower than a traditional insurance premium \u2013 and, if Jake gets sick, the rest of the members of his faith-based healthcare will contribute money towards his bill.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Does Faith-Based Healthcare Cover Essential Health Benefits?<\/strong><\/p>\n<p>Faith-based healthcare is not ACA-compliant and does not have to cover the <u><a href=\"https:\/\/www.healthcare.gov\/blog\/10-health-care-benefits-covered-in-the-health-insurance-marketplace\/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.healthcare.gov\/blog\/10-health-care-benefits-covered-in-the-health-insurance-marketplace\/&amp;source=gmail&amp;ust=1538838167415000&amp;usg=AFQjCNFJ6pDmUc449oxjDrkFwxABjvRHNw\">essential health benefits\u00a0<\/a><\/u>mandated by the Affordable Care Act (ACA).\u00a0 These plans are grandfathered into the ACA. This means that enrollees are exempt from the <u><a href=\"https:\/\/www.healthcare.gov\/search\/?q=individual&#037;20mandate\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.healthcare.gov\/search\/?q&#037;3Dindividual&#037;2520mandate&amp;source=gmail&amp;ust=1538838167415000&amp;usg=AFQjCNEDyaAxcnIxozpHxaLnJv45z9hnvQ\">individual mandate penalty\u00a0<\/a><\/u>usually associated with non-ACA plans.<\/p>\n<p><strong>ACA does set certain requirements for faith-based health plans:<\/strong><\/p>\n<ul><\/p>\n<li>Members must share a common set of beliefs;<\/li>\n<p><\/p>\n<li>The plans must share medical expenses among members regardless of state residence;<\/li>\n<p><\/p>\n<li>Members can\u2019t lose their membership even if they develop a medical condition \u2013 although, members who don\u2019t pay their share of costs can be disenrolled; and<\/li>\n<p><\/p>\n<li>The plans must be audited, with audits publicly available.<\/li>\n<p>\n<\/ul>\n<p><\/p>\n<ul><\/p>\n<li><strong>Can Health Saving Accounts (HSAs) Be Used in Conjunction with Faith-Based Healthcare?<\/strong><\/li>\n<p><\/p>\n<li>No.\u00a0<u><a href=\"https:\/\/www.healthcare.gov\/search\/?q=health&#037;20savings&#037;20accounts\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.healthcare.gov\/search\/?q&#037;3Dhealth&#037;2520savings&#037;2520accounts&amp;source=gmail&amp;ust=1538838167415000&amp;usg=AFQjCNGRKok1OCusG6HsZHTL2qvQRiQnRg\">HSAs<\/a><\/u>\u00a0only work with\u00a0<u><a href=\"https:\/\/www.healthcare.gov\/glossary\/high-deductible-health-plan\/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.healthcare.gov\/glossary\/high-deductible-health-plan\/&amp;source=gmail&amp;ust=1538838167415000&amp;usg=AFQjCNGUojnN6k8mdxTMdE7tPu4HlSM_7g\">high-deductible health plans<\/a> (HDHPs)<\/u>, so members of faith-based health plans cannot utilize HSAs.<\/li>\n<p>\n<\/ul>\n<p>\n\u00a0<\/p>\n<p><strong>How Many Plans Are Out There?<\/strong><\/p>\n<p>There are four major healthcare sharing ministries that qualify for exemption from the <a href=\"https:\/\/www.healthcare.gov\/search\/?q=obamacare&#037;20penalty\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.healthcare.gov\/search\/?q&#037;3Dindividual&#037;2520mandate&#037;2520&amp;source=gmail&amp;ust=1538838167415000&amp;usg=AFQjCNErrOmjYH22FjBuFlxPYmidgkiCIg\">Obamacare penalty:<\/a><\/p>\n<ol><\/p>\n<li>Medishare<\/li>\n<p><\/p>\n<li>Christian Healthcare Ministries<\/li>\n<p><\/p>\n<li>Samaritan Ministries<\/li>\n<p><\/p>\n<li>Liberty Healthshare<\/li>\n<p>\n<\/ol>\n<p>\nAltrua Healthshare, Anabaptist Healthshare and Solidarity Healthshare also qualify for the exemption from the Obamacare penalty.<\/p>\n<p>There are more than 100 other faith-based health plans that do not qualify for the exemption, most of which are organized by small local churches.<\/p>\n<p>\u00a0<\/p>\n<p><strong>How Strict Is the Religious Requirement?<\/strong><\/p>\n<p>The religious requirement depends on which faith-based health plans you choose to go with. Faith-based health plans typically ask their members to sign a statement of faith, and some check for proof from your local church.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Are There Premiums or Deductibles? How Much Do They Cost?<\/strong><\/p>\n<p>Faith-based health plans do carry monthly premiums\u00a0and deductibles; however, under different names.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Monthly Sharing Amounts<\/strong>: Premiums are referred to as \u201cmonthly sharing amounts\u201d and usually range from around $100 to $500 depending on your plan and size of family.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Sharing Responsibilities<\/strong>: Deductibles and other out-of-pocket costs are called \u201csharing responsibilities\u201d and can be as low as $500 to as much as $10,000, depending on your plan.<\/p>\n<p>Also, in addition to monthly sharing amounts, most plans require a small enrollment fee. In most scenarios, these total costs remain far lower than traditional insurance costs.<\/p>\n<p>\u00a0<\/p>\n<p><strong>What Does Faith-Based Healthcare Cover?<\/strong><\/p>\n<p>The specifics of what faith-based healthcare will or will not cover varies on your plan and on each given circumstance.<\/p>\n<p>Here is a general breakdown of what plans will and will not cover:<\/p>\n<p>SHARED AND UNSHARED \u201cWhat\u2019s covered and not covered under Faith-Based Plans<\/p>\n<p>\u00a0<\/p>\n<p><strong>Shared<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<strong>Unshared<\/strong><\/p>\n<table><\/p>\n<tbody><\/p>\n<tr><\/p>\n<td width=\"312\">Acute Injuries and Illnesses<\/td>\n<p><\/p>\n<td width=\"312\">Unnecessary Hospital Visits<\/td>\n<p>\n<\/tr>\n<p><\/p>\n<tr><\/p>\n<td width=\"312\">Physical Therapy<\/td>\n<p><\/p>\n<td width=\"312\">Cosmetic Surgery<\/td>\n<p>\n<\/tr>\n<p><\/p>\n<tr><\/p>\n<td width=\"312\">Maternity Costs<\/td>\n<p><\/p>\n<td width=\"312\">Fertility Treatment<\/td>\n<p>\n<\/tr>\n<p><\/p>\n<tr><\/p>\n<td width=\"312\">Travel by ambulance<\/td>\n<p><\/p>\n<td width=\"312\">Transportation to Medical Appointments<\/td>\n<p>\n<\/tr>\n<p><\/p>\n<tr><\/p>\n<td width=\"312\">Hospitalizations (ER Stay and Stabilization)<\/td>\n<p><\/p>\n<td width=\"312\">Weight Loss Treatment<\/td>\n<p>\n<\/tr>\n<p><\/p>\n<tr><\/p>\n<td width=\"312\">Dental and Vision Care<\/p>\n<p>related to an injury<\/td>\n<p><\/p>\n<td width=\"312\">Routine Dental and Vision Care<\/td>\n<p>\n<\/tr>\n<p><\/p>\n<tr><\/p>\n<td width=\"312\">Doctor ordered test related to an illness<\/td>\n<p><\/p>\n<td width=\"312\">Psychological and Psychiatric Care<\/td>\n<p>\n<\/tr>\n<p><\/p>\n<tr><\/p>\n<td width=\"312\">Medical needs resulting from\u00a0 an accident<\/td>\n<p><\/p>\n<td width=\"312\">Medical needs that arise during high-risk<\/td>\n<p>\n<\/tr>\n<p><\/p>\n<tr><\/p>\n<td width=\"312\">These are the most commonly shared and unshared expenses in health sharing ministries or faith-based health plans.\u00a0 However, each plan makes different choices about coverage.<\/p>\n<p>Refer to Outline of Coverage offered by each Company.<\/td>\n<p><\/p>\n<td width=\"312\">Abortions<\/td>\n<p>\n<\/tr>\n<p>\n<\/tbody>\n<p>\n<\/table>\n<p>\n\u00a0<\/p>\n<p><strong>Can I Be Denied Coverage?<\/strong><\/p>\n<p>Yes. Since faith-based health plans are not bounded by the Affordable Care Act, people can be denied coverage based on pre-existing conditions or for religious beliefs.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Will I Be Able to Keep My Doctor?<\/strong><\/p>\n<p>Yes, healthcare sharing ministries do not have networks and allow you to see any doctor you choose.<\/p>\n<p>\u00a0<\/p>\n<p><strong>What Are the Advantages of Faith-Based Health Plans?<\/strong><\/p>\n<p>There are several important advantages of using faith-based healthcare\u00a0as an alternative to traditional health insurance.<\/p>\n<ul><\/p>\n<li><strong>Affordability<\/strong>: These plans are usually more affordable than traditional health insurance, especially plans in the unstable Obamacare market. Additionally, donations which come in from other members are considered \u201cgifts\u201d which are tax-free.<\/li>\n<p><\/p>\n<li><strong>Keep Your Doctor<\/strong>: You can keep your doctor as there are no separate in-network and out-of-network costs.<\/li>\n<p><\/p>\n<li><strong><a href=\"https:\/\/www.healthcare.gov\/search\/?q=obamacare&#037;20penalty\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.healthcare.gov\/search\/?q&#037;3Dindividual&#037;2520mandate&#037;2520&amp;source=gmail&amp;ust=1538838167416000&amp;usg=AFQjCNF2--5ZcHuGQ42dN1IbeKitrcWnug\">No Obamacare Penalty<\/a>:\u00a0 <\/strong>You are exempt from paying the\u00a0individual mandate penalty\u00a0imposed by the Affordable Care Act.<\/li>\n<p><\/p>\n<li><strong>Belief-Driven Healthcare<\/strong>: If you are a person of faith then this plan allows you to contribute money to an organization whose beliefs you share without worrying about helping to fund care such as abortions, gender reassignment or morning-after pills.<\/li>\n<p><\/p>\n<li><strong>Community:\u00a0 <\/strong>There is a sense of community within these faith-based plans that is absent with traditional health insurance companies. If you are diagnosed with a serious medical condition you can expect your health sharing ministry to care for you physically and emotionally, not just financially.<\/li>\n<p>\n<\/ul>\n<p>\n\u00a0<\/p>\n<p><strong>What Are the Risks?<\/strong><\/p>\n<p>There are important risks to be aware of when considering faith-based healthcare:<\/p>\n<ul><\/p>\n<li><strong>Don\u2019t Have to Cover Essential Health Benefits<\/strong>: Since these plans are not ACA-compliant they don\u2019t have to cover essential health benefits such as preventative care or mental health care.<\/li>\n<p><\/p>\n<li><strong>Denied Coverage<\/strong>: You can be denied coverage for pre-existing conditions or for certain religious beliefs.<\/li>\n<p><\/p>\n<li><strong>Belief-Driven Healthcare<\/strong>: Your faith-based health plan may not contribute towards injuries related to an accident that was caused by immoral reasons such as drinking alcohol or using illicit drugs.<\/li>\n<p><\/p>\n<li><strong>Running Out of Funds<\/strong>: Since these plans \u201cshare\u201d costs and don\u2019t insure members, you are not guaranteed coverage. Technically they can run out of funds, go bankrupt and fail to contribute towards your costs. This outcome, though, is unlikely.<\/li>\n<p>\n<\/ul>\n<p>\n\u00a0<\/p>\n<p><strong>Are Faith-Based Plans Subject to Regulation?<\/strong><\/p>\n<p>It depends on the state. 30 states have instituted safe-harbor laws that differentiate between health-sharing ministries and health insurance companies. This prevents state regulators from enforcing strict laws against faith-based health plans. In the map below from the Alliance of Health Care Sharing Ministries, the states in light green have safe-harbor laws in place, while those in dark green have some other kind of regulatory exemption for healthcare sharing ministries.<\/p>\n<p>\u00a0<\/p>\n<p><strong>How Many People Are Enrolled in Faith-Based Healthcare?<\/strong><\/p>\n<p>There are more than 1 million Americans enrolled in faith-based health plans<\/p>\n<p>\u00a0<\/p>\n<p><strong>When and How Can I Enroll in Faith-Based Healthcare?<\/strong><\/p>\n<p>You can enroll online with any of the major health sharing ministries listed above. You can enroll at any time you want \u2013 there is no open enrollment period for faith-based health plans.<\/p>\n<\/div>\n\t\t<\/div>\n<\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Additional Information - Read More Here <\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"8\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"preview_page_section_layer\"><i class=\"glyphicon glyphicon-edit\"><\/i><\/div>\n\t\t\t\t\t\t\t<a class=\"preview_page_section_setting\" title=\"Edit Section\" href=\"javascript:void(0)\" data-section_id=\"4\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n<\/a>\n\t\t\t\t\t\t<\/div><div  class=\"jk_fe_section jk_section_regular jk_effect_parallax \" style=\" background-color:#ffffff; padding-bottom:25px; padding-top:25px;    \" >\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container \" style=\"\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"row   \" style=\" background:#ffffff; padding-top:10px; padding-bottom:10px;     border-top-color:#ffffff; border-bottom-color:#ffffff; border-left-color:#ffffff; border-right-color:#ffffff;     \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-12 col-md-12 col-sm-12 col-xs-12 \" data-col-type=\"4_4\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><div class=\"preview_layer_container \" data-module-id=\"14\"><style>.jk_button_module a.button_dynamic_classes_1415:hover{ background : #f97b27 !important;}.jk_button_module a.button_dynamic_classes_1415{ background : #fca729 !important;}.jk_button_module a.button_dynamic_classes_1415:hover *{ color : #ffffff !important;}<\/style><div  class=\"jk_button_module  jk_text_align_center aln-center \"  id=\"\" style=\"\">\n\t\t\t<a href=\"tel:2147713011\"   class=\"button_dynamic_classes_1415 jk_text_align_center\" style=\"   border-radius:10px; padding-left:20px; padding-right:20px; margin-top:5px; margin-bottom:5px;  \" >\n\t\t\t<span class=\"jk_button_text\" style=\"font-size:16px;line-height:16px; color:#ffffff; \">Call Us Now<\/span><br\/>\t\n\t\t\t<span class=\"jk_sub_button_text\" style=\"font-size:20px;line-height:20px; color:#ffffff;  \">(214) 771-3011<\/span>\n\t\t\t<\/a><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">CALL US BUTTON <\/div><\/div><\/div><style>.tagline88 *,.tagline88{font-family:Baumans;}<\/style>\n\t\t<div class=\"preview_layer_container \" data-module-id=\"15\">\n\t\t<div style=\"padding-top:10px;  padding-bottom:10px;  background:#ffffff; color:#74a0cc;  font-size:22px;      \" id=\"\" class=\"fe_tag_line_mod jk_text_align_center tagline88 \" >\n\t\tSTOP OVERPAYING FOR INSURANCE! 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      color:#ffffff;\" id=\"\" class=\"fe_text_mod jk_text_align_center \"  ><span class=\"entry-content text_mod_aln_mob_left\"><p><span style=\"font-size: 30px;\">WHAT OUR CLIENTS SAY<\/span><\/p>\n<\/span><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">WHAT OUR CLIENTS SAY <\/div><\/div><\/div><\/article><style>.review_589 *{font-family:Helvetica;}.testimonial.review_589{padding-top:50px;}.testimonial.review_589{padding-bottom:50px;}.jk_font_ffffff p{color:#ffffff!important;}.jk_font_ffffff b{color:#ffffff!important;}<\/style><div class=\"preview_layer_container \" data-module-id=\"17\"><div  class=\"testimonial   review_589 \" >\n\t\t\t\n\t\t\t<span class=\"testim1\" style=\" \"><\/span>\n\t\t\t<div class=\"testim2 jk_font_ffffff\" style=\"    font-size:14px;\">\n\t\t\t\t\n\t\t\t\t<div class=\"cycle-slideshow composite-example\"\n\t\t\t\t\tdata-cycle-fx=\"scrollHorz\"\n\t\t\t\t\tdata-cycle-timeout=\"3000\"\n\t\t\t\t\tdata-cycle-swipe=true\n\t\t\t\t\tdata-cycle-prev=\"#prev\"\n\t\t\t\t\t\n\t\t\t\t\tdata-cycle-next=\"#next\"\t\t\t\t\t\n\t\t\t\t\tdata-cycle-manual-speed=\"300\"\n\t\t\t\t\tdata-cycle-slides=\"&gt; div\"\n\t\t\t\t><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">Diane was extremely helpful in getting me set up and trained to use the numerous tools offered by Benefit Writers.\u00a0 Great customer service and quick response!<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>Jennifer McClain<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Rockwall Chamber of Commerce<\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">Diane is not only a professional in the Benefits and Insurance world but also serves her clients with passion.\u00a0 The one thing that always stands out is her willingness to help her clients no matter what they need.\u00a0 I have enjoyed being associated with her personally and through the National Association of Health Underwriters.\u00a0 It takes a special person to give of their time and talents while helping her clients and being a Wife, Mother, and Grandmother at the same time.\u00a0 That is what sets her apart from other people in our industry.<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>Mark Waugh<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Waugh Benefits Consulting<\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">I had the pleasure of working with Diane and her clients for approximately two years.\u00a0 Diane is great at building client relationships and making appropriate product recommendations that fit each client's needs.\u00a0 She is very knowledgeable about HSA products and a variety of other insurance products.\u00a0 I highly recommend working with her as your agent.<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>Lea Webb<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Personal Trainer and Certified Lifestyle and Weightloss Management Coach<\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">Diane offers her industry experience wrapped with a solution to meet the needs, no matter how small or large; she is your defense and tackle to make that touchdown.\u00a0 She is very diverse and always looking for solutions while making things happen.\u00a0 She is an excellent industry leader and is willing to get the job done.\u00a0 I highly recommend Diane.<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>Tamela Southan<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Benefits Advisor at Benefit Solutions By Design<\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">Diane is dedicated to getting the job done right the first time.\u00a0 Whether she is working for a client or working on a committee, her energy and creativity are limitless in bringing the project to a successful conclusion.<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>RoseMary Deininger<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Life After Retirement <\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><\/div><\/div><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Review <\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"10\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"preview_page_section_layer\"><i class=\"glyphicon glyphicon-edit\"><\/i><\/div>\n\t\t\t\t\t\t\t<a class=\"preview_page_section_setting\" title=\"Edit Section\" href=\"javascript:void(0)\" data-section_id=\"6\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n<\/a>\n\t\t\t\t\t\t<\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-190","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/pages\/190","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/benefitwriters.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=190"}],"version-history":[{"count":75,"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/pages\/190\/revisions"}],"predecessor-version":[{"id":2602,"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/pages\/190\/revisions\/2602"}],"wp:attachment":[{"href":"https:\/\/benefitwriters.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}