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<blockquote data-quote="Dr. Howard" data-source="post: 1421038" data-attributes="member: 2271">The principle is that group of christians send gifts to other christians to cover their medical needs. That is how they get around calling it insurance.&nbsp; The amish started the idea and got insurance and tax exemptions to operate these arrangements.You scale this up and it operates similarly to insurance as a risk pool. It is however not insurance, there are no guarantees of payments etc. If people just stop paying the whole thing falls apart.Operationally, you go and get medical treatment, you get the bill sent to you and then send it in to the ministry HQ and they send you a reimbursement.Last, because it is a religious organization, it can exclude all kinds of things, which keeps the risk pool and costs down. No drug treatment, no alcohol treatment, no psychological treatments, no birth control, no maternity care for single mothers, require that members be regular church attendersYou can read the full details on operations and costs at these sites<a href="https://www.chministries.org/" target="_blank">https://www.chministries.org/</a> - recommend<a href="https://www.samaritanministries.org/" target="_blank">https://www.samaritanministries.org/</a> - recommend - this one even lets you use alternative medicine like naturopaths or chiropractors<a href="https://www.medishare.com/" target="_blank">https://www.medishare.com/</a> - do not recommendPM me if you have detailed questions.</blockquote>

[QUOTE="Dr. Howard, post: 1421038, member: 2271"] The principle is that group of christians send gifts to other christians to cover their medical needs. That is how they get around calling it insurance. The amish started the idea and got insurance and tax exemptions to operate these arrangements. You scale this up and it operates similarly to insurance as a risk pool. It is however not insurance, there are no guarantees of payments etc. If people just stop paying the whole thing falls apart. Operationally, you go and get medical treatment, you get the bill sent to you and then send it in to the ministry HQ and they send you a reimbursement. Last, because it is a religious organization, it can exclude all kinds of things, which keeps the risk pool and costs down. No drug treatment, no alcohol treatment, no psychological treatments, no birth control, no maternity care for single mothers, require that members be regular church attenders You can read the full details on operations and costs at these sites [URL]https://www.chministries.org/[/URL] - recommend [URL]https://www.samaritanministries.org/[/URL] - recommend - this one even lets you use alternative medicine like naturopaths or chiropractors [URL]https://www.medishare.com/[/URL] - do not recommend PM me if you have detailed questions. [/QUOTE]

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