Carmel Alternative Insurance

Have you been searching for Carmel alternative insurance, but you haven’t had much luck yet? If so, then you’re in the right place. With AffordaShare, you can take control of your healthcare, save money while doing it and leave traditional health insurance companies behind.

You’re probably wondering what exactly AffordaShare is. In essence, it’s a medical cost sharing program. Each month, participants in AffordaShare pay a membership fee that’s similar to a health insurance premium. That money is collected by the program administrator and disbursed to all members who incur medical bills during the month. The program is uncomplicated and straightforward—the exact opposite of what you’d get from a traditional healthcare plan.

If you’re ready to sign up for our Carmel alternative insurance, just give us a call at 317-431-7541. If you’re still weighing your options, that’s totally understandable; you don’t want to make a decision without being well informed. The guide below answers a few key questions to help you develop a clearer understanding of what AffordaShare has to offer.

What’s Included in Your Westfield Healthcare Ministry?

Our Westfield healthcare ministry provides coverage similar to what you’d find with traditional health insurance plans, with just a few exceptions. For example, we cover major and minor medical expenses including broken bones, stitches, sprained ankles, allergies, chiropractic care, disease prevention, yearly physicals, cancer treatment, maternity and delivery, heart surgery, physical therapy, and emergency room visits, and more.

We also offer the following benefits:

  • Access to a convenient 24/7 tele-doc service free of charge
  • “Flex Pay” money that’s distributed yearly to pay for various health-related expenses such as fitness classes, over the counter medication, crutches, gym memberships, weight loss programs, walkers, and more.
  • Elective dental and vision plans that can be added to your coverage at any time during the year (no special enrollment period required)
  • A $10,000 payout in the event of a member’s death

However, to keep costs low, there are a few treatments we don’t cover; drug and alcohol treatment programs, long-term mental health care, gender reassignment surgery, and some pre-existing conditions are not included in our coverage. The reason for this is simple: it keeps costs low for all members. You see, these treatments are rarely used by program participants but they’re very costly; if we paid for these services, everyone would have to pay much higher membership fees.

What Are the Benefits of Medical Cost Sharing?

The primary benefit of medical cost-sharing is that you no longer have to deal with traditional health insurance companies and their convoluted coverage. Instead of wondering whether or not your medical bills will be paid and having to fight for your benefits, you can rest easy knowing that costs will be covered with no hassle.

Another huge benefit that AffordaShare and similar programs offer is reduced healthcare costs. The membership fee is typically a lot lower than the monthly premium you’d be required to pay through a health insurance company. And when you’re in a medical cost-sharing program, services are paid for in cash which earns you a 25% to 50% discount at most healthcare providers. 

You see, healthcare providers prefer billing patients directly because navigating the health insurance system takes a lot of time and paperwork. With a medical cost-sharing program, you either have the program pay upfront or you pay and then get a reimbursement within a week. Because it’s so simple and streamlined, doctors and hospitals are happy to offer a cash discount on services—which saves you a lot of money!

Another benefit that our members love is that they can choose any doctor, hospital, or healthcare provider they want—there are no limitations! This is obviously not the case with traditional health insurance companies; they tell you exactly which healthcare providers you can and can’t visit by declaring some of the “in-network” and others “out-of-network.”

Trying to sort through doctors and find one that’s in-network, provides the services you need, and is located near you can be quite the challenge. If you end up going to a doctor outside of the network, be prepared to pay a ridiculous amount of money for service

Thankfully, you don’t have to worry about that when you become an AffordaShare member. All healthcare providers are considered in-network, which means the choice is yours!

What’s Covered Under Your Carmel Alternative Insurance?

Our program will cover pretty much everything you’d expect from a typical health insurance provider. For example, we cover:

  • Wellness exams
  • Preventative care
  • Sports injuries
  • Physical therapy
  • Chiropractic services
  • Emergency treatment
  • Treatment by a specialist
  • Maternity and delivery
  • Cancer treatment
  • Most pre-existing conditions
  • Surgeries and other scheduled medical events

AffordaShare also offers a free tele-doc service that’s available 24 hours a day, seven days a week. There’s also a $10,000 death benefit that’s payable in the event of a program participant’s death.

How Do I Enroll in AffordaShare?

Enrolling in AffordaShare is easy; here’s how you do it:

  1. Navigate to the AffordaShare website.
  2. Click on the “Get a Quote” button in the upper righthand corner of the page.
  3. Complete the initial fact finder questionnaire to provide information on each person you’d like coverage for.
  4. Receive a quote for membership within 24 hours.
  5. Look over the options available and choose the best one for you, your family, or small business.
  6. Start making your monthly payments and kiss traditional health insurance good-bye.

If you have any questions about the enrollment process or if you want to speak to a member of our staff, you can contact us by phone at 317-431-7541 or via email