Friday, March 7, 2008

Bisnis Portal

Bisnis Portal

The Good and Evil of Christian Health Insurance

Posted: 06 Mar 2008 05:13 AM CST

People of faith may feel more at ease with Christian health insurance as opposed to a secular company. Many religious people trust in the power of prayer to help alleviate ailments and injuries. But, most people do believe in the practical purpose of having a family policy. There are many guarantors that will offer policies in the name of Christianity. Most are reputable, honest, and stand behind their promises. But, caution needs to be exercised when choosing any provider. Never fully trust that a guarantor is going to come through with everything they say just because they’re of the same faith. This is a sad but true statement.
Many Christian health insurance companies have some rigorous guidelines for enrollment into their plans. Often pastors of the potential policy holders are consulted to be certain that those seeking enrollment are actually participating Christians. A few other companies require that members be of the Evangelical branch of Christianity. Some Christian guarantors have strict requirements that members not smoke, drink heavily, or engage in sex outside of marriage including homosexuality. Many pre-existing ailments are not covered. Also, most will not consider including abortion expenses and help for STD’s.

However, for Christian families having a policy to guarantee assistance with medical care issues under a Christian organization may bring peace of mind. The guidelines set forth by the guarantor may be viewed as welcoming as opposed to grievous if this is representative of one’s belief system. Christians may feel that their dollars are not being wasted supporting secular companies offering policies that offer services they don’t agree with. Christian health insurance may seem like a God send to unemployed Evangelical families that require medical coverage. Many of these providers are non-profit operations, which may put many parties’ minds at ease.

Christian educators and school administrators may fall under the need for Christian health insurance. Since faith based schools get little to no aid from the government, Christian schools suffer some consequences. Often the suffering comes in smaller paychecks for educators and possibly no medical coverage. Companies that assist churchgoers may also lend their hand to faith based schools. This option is viable to those dedicated to educating the next generation in a religious environment. It may be the only option for professionals at faith schools to receive coverage for their families. Many of the faith plans offer similar pricing and services as secular plans in the industry.
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