If you’re looking for an Indianapolis healthcare ministry that offers you a viable alternative to traditional health insurance, then you’re in the right place! AffordaShare is a Christian-run medical cost sharing organization that was founded upon the biblical principle of helping one another by sharing each other’s financial burdens.
With AffordaShare, participants pay a monthly membership fee that’s similar to a healthcare premium but considerably less expensive. Then whenever our members have healthcare costs that need to be covered, they either give us a call so we can pay in advance or they make payment upfront then receive prompt reimbursement from the program administrators.
If you’d like to talk to a member of our team about all that AffordaShare has to offer, we invite you to give us a call at 317-431-7541. To learn more about our Indianapolis healthcare ministry, keep reading; we’ve prepared a quick guide to some of the most common questions we receive about our services.
What Does AffordaShare Cover?
AffordaShare covers practically everything that would be included under a traditional healthcare plan with just a few exceptions. For example, we cover conditions ranging from minor to major including sprained ankles, broken bones, cuts that require stitches, heart attacks, cancer, and more.
Affordashare also covers most pre-existing conditions, assuming that they’re already under control. There are a few major pre-existing conditions that may disqualify you from the program, however, but the good news is that the vast majority of applicants are accepted into the program; you can fill out our intake questionnaire or give us a call to make sure that you qualify.
Coverage under AffordaShare also includes:
To help keep costs low for all members, there are several conditions that AffordaShare does not cover. For example, drug and alcohol treatment are exempt from coverage as is long-term mental health counseling. Other procedures that are traditionally not covered by large health insurance companies are also excluded, including gender reassignment surgery.
How Does the Tele-Doc Service Work?
The free 24/7 Tele-Doc service is typically our members’ first choice when dealing with any kind of medical issue that’s not an emergency. The Tele-Doc can take care of a variety of ailments including minor burns, cuts, flu, urinary tract infections, pink eye, walking pneumonia, etc.
All you have to do is call and set up an appointment, which can be held on the phone, via Facetime, or a through a teleconferencing app. The doctor will evaluate the situation then make recommendations regarding care including writing any necessary prescriptions. If the issue is more serious than originally thought, the doctor can then refer you to another provider. For any kind of emergency, you would bypass the Tele-Doc and head immediately to the hospital.
Is There a Yearly Deductible?
There is a member’s annual portion amount, which is similar to a yearly deductible. The annual portion is how much a member must pay each year if healthcare reaches beyond office visits and preventative care. This amount is set by members themselves, so you’re able to determine how much you think you can afford. If for some reason an emergency occurs and you’re unable to meet the amount you’re responsible for, don’t’ worry – you won’t be denied coverage. All you have to do is contact us to work out an interest-free payment plan and the necessary expenses will be covered.
If you’re interested in enrolling in AffordaShare, the first step is to fill out the initial fact finder questionnaire. Just provide us with a few answers to some basic questions about your family members and their health histories, and we’ll offer you several quotes for membership.
You may notice on the questionnaire that there are no inquiries regarding religion; while many of our members are professing Christians, it’s not a requirement for membership. We just ask that members engage in a healthy lifestyle and be willing to spread costs out to make healthcare more affordable for all members. If you have any questions about our program, feel free to send an email to jfrey@AffordaShare.com or call 317-431-7541. We look forward to talking with you soon!