If you’ve been looking for a Westfield healthcare ministry that offers comprehensive coverage at affordable rates, then you’re in luck—that’s exactly what you’ll find with AffordaShare! So what is AffordaShare? It’s a private medical cost-sharing program that was created to offer people an alternative to high-priced health insurance.
Medical cost-sharing programs have been around for decades. They were first started by faith-based organizations in response to the expensive and convoluted American health care system. These organizations knew that their members were frustrated with the lack of health insurance options available to most Americans, so they provided a biblical alternative through medical cost-sharing.
Medical cost-sharing programs are based on the biblical principle of sharing one another’s burdens. The way this works is that each member contributes a set fee every month. All of the membership fees are collected together by the program administrator and then distributed to any members who require medical care. The format of the plan is simple, straightforward, and highly effective.
If you’d like to enroll in our Westfield healthcare ministry, all you have to do is complete our initial fact-finder questionnaire. We’ll get back to you with a quote for membership within 24 hours. To learn more about AffordaShare, keep reading; we’ve provided additional information about our services below.
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:
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.
There are countless reasons why you should enroll in our Westfield healthcare ministry. For one, you’ll save a lot of money on healthcare costs. Our monthly membership fees are significantly less expensive than what you typically pay for a health insurance plan. And because we’ll be paying for your services upfront, you’ll receive a 25% to 50% discount from most healthcare providers.
You’ll also enjoy a lot more flexibility compared to traditional healthcare plans. Health insurance companies put limits on which providers you can and can’t see using the “in-network” and “out-of-network” designations. But with AffordaShare, you can choose any provider you’d like—all doctors, hospitals, and healthcare practitioners are considered “in-network” to us!
Our plan is also flexible in other ways. For example, when you get insurance through your employer, you have to worry about losing your healthcare whenever you change jobs; our coverage remains consistent no matter where you work. You can also move without having to requalify for coverage—something you can’t do with insurance purchased through the government marketplace.
AffordaShare members pay what’s called an “annual portion.” This is similar to the yearly deductible you’d be required to pay through a traditional health insurance plan but it’s not exactly the same. The biggest difference is that you get to determine your own annual portion instead of having it dictated to you. When you sign up for coverage, you’ll set the amount you can cover each year. If you end up facing an expensive emergency and can’t pay your portion, all you have to do is contact us; we’ll set up an interest-free plan to spread out payments so you can afford to get the help you need.