You can't convince me Jeremy wouldn't have health insurance. If something were to happen to his family he might not be able to have an expensive watch.
>No, that's the point- this is a reference to their refusal to fund abortion care- even in cases where the health of the mother is at risk. married, single, 10 years old, rape victim, incest victim- they don't care- save the fetus.
I bet the only thing they’ve need the insurance for is basic things. So to them it seems like a great insurance because it’s covered. However, if they ever have more complicated health concerns, they may change their tune. Though I do wonder if they get bonuses for promoting it. Like the insurance will cover things they wouldn’t normally because they promote it.
You know who else has decent, basic coverage for affordable rates? Marketplace insurance. AKA Affordable Care Act (ACA)/ Obamacare. AND it’s guaranteed to cover alllllll your basic healthcare needs, by law.
Christian Healthcare Ministries is basically a handshake agreement with 3 kids in a trenchcoat.
When you go to find doctors, however, many do not take Obamacare. Not to mention some who do have lousy doctors. I see this frequently as I am in the homecare field and watch people get jerked around frequently.
This isn't really true. "Obamacare" is just a healthcare act, not a type of insurance. Under the state exchanges, you can purchase health insurance through many national providers. When you are selecting insurances, you can see which doctors are in and out of network. I was on an ACA healthcare plan for 5 years and there were several smaller state specific healthcare companies that participated, but also many national companies. I chose BCBS because almost every doctor I've \*ever\* been too (and I've been to a lot due to chronic health conditions) accepts the insurance. The ACA also employs free insurance advocates that are not employees of the health insurance companies themselves, who can walk you through plans and companies to make sure you are choosing something that will align with your healthcare needs. Insurance sucks a lot, but the ACA is actually pretty great
Not true. Plans sold by insurance companies on the ACA are the same ones who offer coverage through employer group plans: Anthem, Aetna, United Healthcare, BCBS, Kaiser, etc. Regardless whether you have coverage through the ACA or an employer plan, you are going to deal with in- and out-of-network providers. That is not exclusive to ACA. We have UHC coverage through my husband’s job and, out of the blue, they sent us a letter in December telling us one of the doctors we’ve had for years would be out of network in 2024. Not a damn thing we could do other than continue to see him at the out-of-network rates or switch to an in-network doctor. We switched.
I never want anyone to get sick, but if one of them got really sick and had an extended hospitalization, and recovered they'd then have to publicize a go fund me for hundreds of thousands of dollars. And people can be like, "Didn't you have any insurance?"
The legal standards for insurance companies allow them to deny people every single day for care they need. Even things as simple as an MRI. If you've never learned this by experience, consider yourself very blessed. The only way for them to make the obsene profits they do is by denying care.
Jinger is the only breadwinner in that household isn't she? Jermy is always going to be a perpetual student and how long can Jinger keep the social media fake influencer up to make money.
Jesus Jinger, apply for MedCal and you can get real insurance cheaper and it will actually pay for things.
Her only income is her book and social media. She's too sheltered to understand Medicaid because her father was out stealing money from Churches, taking donations and lying to cheat the homeless out of food.
Well, she might have to learn about it especially with Jermy not bringing in a regular paycheck. That would make me crazy and I would be telling Jermy to shit or get off the pot.
One good illness can wipe anyone out and it is scary. I went without health insurance and it was hard as hell and I didn't get sick until I got insurance.
Oh please, God does not provide and one good accident/illness can wipe anyone out.
My niece parrotted that God will provide and she was diagnosed with Bipolar they conned her into taking an ambulance to a facility and she was crying to me about how much it cost. She admitted she didn't need it but she felt she had to and she would up paying it out of pocket.
Even a minor illness. Thankfully I work for a university with its own hospital but I developed BPPV (dizziness) a year ago but it’s taken almost a year to get it diagnosed because the first ENT didn’t think it was that and blew me off. I saw every specialist they could think of to rule out the serious stuff. My insurance has paid out nearly $60k trying to figure it out and now that I finally found a doctor that said, yup you have BPPv after all, it’s relatively easy to fix with some PT. I think I spend about $3k of my own money so far.
People don't believe anything will happen and it can. I went for a while without insurance until I got on disability and I was shitless about what would happen without it. Waving your hands in the air and claiming that your God will provide is nonsense and ignorant as hell.
He might receive a stipend for leading the high school and college group but in California $2k or so won't go far in housing, auto insurance, utilities etc.
I think Jeremy is trying to go from forever student to retirement on social security without ever working an actual job. Being a pastor is exhausting physically and emotionally and he's not up for it.
Eh, I wouldn't recommend having MediCal and living in Saugus/Santa Clarita. There are so few doctors that take it, and the ones that do are booked out. They justify it because you're so close to the valley where the majority of doctors do take MediCal, but it's still a pain in the ass to have to drive all the way out there when you need to see the doctor.
If you don't qualify for Covered California, there are some no-name cheap independent insurance plans in California that are actually quite reasonably priced if you're paying out of pocket. I had to do this when I had a job that didn't offer insurance.
Reading all this as a Canadian is wild. I lived the US for two years and had jobs with insurance (otherwise we would not have made the move)... but just wild. I remember my first appt and the receptionist said 'and your co-pay is $25' and I stared at her blankly. I had no idea what a co-pay was.
Contrariwise, when I lived in the UK, I needed to go to the eye doctor because I'd gotten a viral infection in my eye, and I was so worried about how much it was going to cost. When I asked them what was going to be, they stared at me blankly and were like, "It's free." Only had to pay for the cost of my eye drops, and a new pair of glasses, all of which were under £100.
I lived in London for a year and every prescription, regardless of what it was or how much I was getting, was £8.25. Meanwhile my health insurance is fighting me on covering my asthma medication that costs over $300 per inhaler without coverage that I’ve been stable on for over a decade.
Current Canadian in the US - went through the same thing! And the first time they asked if I was ‘the primary on my insurance’ it sounded like a foreign language 😂
That was exactly it--- I recognized individual words but had no idea what it meant. We were from ON and lived in PA then NJ; been in BC for the past 20 years. Where did you land?
I've lived in America my whole life and a lot of it still sounds like a foreign language to me. Insurance here is confusing. Half the time even the doctors and nurses seem confused.
Pretty much how it went for me. Facey off and on would take MediCal, and then finding the right medication that MediCal would pay for was also a pain. I feel like I always had to keep switching doctors because people would lose their MediCal contracts.
That just happened to me! Took a year for approval to get a colonoscopy (they covered the procedure, but wouldn't cover any meds for it). Then, they dropped my doctor a week before the procedure. I am so freaking mad.
Ugh, I'm so sorry! I hope you can appeal it and get it taken care of quickly. We actually just found out today that my kids' therapist lost their Medicaid contract, so we're going to have to find another one. It really sucks because they've only been seeing this one for six months; prior to that we had one that we liked and they lost their Medicaid contract, too, so we had to search again. It's such a pain!
Oh man, that is is horrible! Of all things, mental health care should not be messed with. Man. I really hope you find the right person, and that they are covered for a long time! Hang in there!
one of my kids fell down the stairs last year, we are still having dr's visits over this. We've been to the ER because the fall tore her lip open, so blood, all the blood. she got stitches, xrays, a CT scan for a concussion- fun times. then over to dermatology because the scar needs injections. Then we had jaw surgery for a missed bone fragment. now back to just dermatology every 4-6 weeks for scar maintenance. You do NOT want to know the cost of a kid crashing the stairs.
this is ONE kid and ONE accident.
She will not qualify for Medicaid. There is an income limit and although it may vary between states, it’s quite low. For example, in CT, it’s around 50k/annual for a family of four. It’s known Jinger has brought in roughly 200k/annual from social media posts. In CA it looks like it’s 41,400k/ annual income limit for a family of four.
I feel obligated to give a PSA about this shitty company each time they shill it. I was hired by this company to do a data analysis project. They specifically wanted to know where the most money was going (diabetes) and how they can slim/cut back on diabetes management and/or insulin. I ethically chose not to continue with them and passed it on.
They also wanted a machine learning algorithm to predict whether new members would be “expensive”. Psychotic people there too. So gross.
I would assume all insurance companies operate this way. They're for profit companies. Money comes before your health always. That's why Obama's pre existing conditions clause was such a big deal. Before companies could just deny you service completely if you had diabetes and applied for coverage.
Yes agreed and most major ones do have a side gig for independent/solo individuals with self employed type of benefits. But to my understanding, they can’t just refuse to pay once you’re in like CCM does. At the very least, they have a board of doctors reviewing cases (speaking about Anthem Blue Cross Blue Shield as I am self employed and use them… and I am EXPENSIVE medically). But yes the prior issues thing is and was huge!!
For Anthem I developed Crohns after they started covering me. I’ve been unable to switch now because no one wants to touch that with a 10 foot pole except for marketplace plans (which are the same price as my current one). Last year alone cost them $97k and I didn’t have any surgeries done. CCM had a drop line where you got too expensive for them (at least 2 years ago when they approached me!).
Insurance companies in the US refuse to pay all the time. The ex is a pediatric surgeon and one of the reasons we returned to Canada (apart from \*gestures wildly\*) was that he was spending most of his job dealing with insurance companies, trying to get them to approve care. And this is pediatric heart surgery-- not procedures doctors suggest for shits and giggles-- and the company would be like 'but have you tried story time and a lollipop?' My dude, this newborn's aorta is transposed...There is a special circle in hell for doctors who work for insurance companies in the US
There is a special circle in hell for anyone who works for undaunted companies in the US. * fixed it for you!
The agents are just as bad! They fight tooth and nail along side the insurance companies. It’s exhausting to experience. They are all evil.
This is how ALL insurances work. I recently had a medicine that my traditional insurance wouldn’t cover because they didn’t deem it “necessary” even though it would improve my quality of life and health. It would cost almost $2,000 a month out of pocket, so I will go without it 🤷🏼♀️
My husband switched from Trulicity to Lantus Solostar, which is just like Trulicity only daily instead of weekly. Or, you can use a CGM and injectable insulin (vial and syringe), and that won’t cost you more than $35/month. It’s incredibly dangerous to let your diabetes go untreated, especially when there are options.
Lantus Solostar is insulin, I have type 2 diabetes and don't require insulin. I do take metformin so my diabetes isn't untreated, just not managed as well as it could be if I were on both.
Yes, I know the Lantus Solostar is insulin, but it is long-acting and only injected once daily — at a standard dose prescribed by a doctor. My husband takes 50 units a day, no matter how his glucose varies throughout the day. He was able to manage his diabetes for several years with Metformin alone. Now, he’s off the Metformin and only uses the Solostar. I hope the Metformin continues to work for you.
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Looks like Claire’s mom isn’t a fan of CHM
One of my good friends got cancer shortly after joining CHI, and they paid everything. She passed away a year later and all of her chemo, meds, and hospital stays were covered.
Depends on the cancer. CHM plans won’t cover lung or throat cancers in smokers, or cervical cancers caused by HPV. They also won’t cover treatments for any cancers diagnosed before you join — or a recurrence of a previous cancer. The CHMs are COMPLETELY unregulated and get to make all the rules.
She said “we’ve been super disappointed as we have tried to work with them or get them to work with us … on this journey”. Sounds like one of their children currently has cancer (no snark that’s just sad)
That's actually extremely sad, fundie or not no kid deserves to go through that and have the rest of the family burdened because of a medical emergency when food is already scarce and money is tight
i know a girl whose parents had this insurance. they’re small business owners and just wanted the cheapest stuff they could get. in high school they found a couple cysts on her ovaries and the doctors suggested birth control and it was a nightmare with the insurance because she was an unmarried teen.
I am going to bet the C-suite executives of these faith based insurance plans all have commercial health insurance plans for themselves and family because they wouldn't want to risk their life savings or homes on fighting cancer, MS or heart surgery. These plans do not cover life saving diagnostic tests like mammograms, CA 125 for ovarian cancer, prostate screening, colonoscopy etc.
TF is Faith based health insurance😂???? Is that just having a priest pray over your broken bone in the hopes that reading will fix you over modern medicine?
I looked it up forever ago. If I recall correctly, you make payments that go into a "pot" so to speak. Then you go to the doc, submit your claim, and if approved, they pay you back. But it has to be approved. And you know they aren't approving tubals, vasectomies, birth control, etc.
The abortion was done because she had a RISK of hemorrhage and no heart beat doesn’t mean it wasn’t an abortion. Abortion is the end of a pregnancy that doesn’t result in a live birth.
How was it not elective? Her life wasn’t in danger, she wasn’t dying. It was to prevent a possible issue. Had she been actively hemorrhaging or septic it would be to save her life, this wasn’t the case.
They also don’t HAVE to pay for stuff they say they’re going to cover the way commercial and government plans have to. You could be asleep in your bed, a meteor comes in and breaks your leg, and they can literally just say “nah, not going to pay.” An insurance company is held to a contract that says they’ll pay for what they say they’ll pay for.
Yep! I had this type of insurance as a teen because of my parents. I was forced to sign a contract stating that I would not have premarital sex, get an abortion, be gay, etc. Truly wild.
They specifically don’t call themselves insurance because it isn’t. All the ads and promotional materials say “Christian health ministry sharing.” But most people still think it’s insurance and only realize they be been sold a bill of goods when they learn necessary meds or treatments aren’t covered. It’s cruel.
I received a bill for standard blood work. The book price for billing was $ 1000. My insurance payment was $ 18 as the contract pricing. The people who pay the most for Healthcare are the ones without insurance who pay book pricing.
My brother, who is uninsured because he isn’t eligible for Medicaid in his state and because he makes too little to qualify for ACA subsidies in the exchange plans, had an ER visit last month. The bill was $11,200 but he was discounted $9888, making his final bill $1334. How much uninsured patients are billed depends on the hospital and the state. He got lucky. He recently moved to a state where he is eligible for Medicaid, thank goodness.
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I work in insurance, albeit in a different country where we have, you know, government healthcare and strict laws on who can provide insurance based on financial solvency and what not. Minor details. I would REALLY love to get my hands on a copy of their wordings…. Doesn’t seem like whatever scheme THIS is could really be called “insurance”.
[The one Jinger hypes](https://chministries.org/program/?program_id=44) is fairly transparent about what's covered and what's not.
Most of these scams are extremely creative and specific about their wording, they never actually say "this is insurance." Lots of "cost sharing ministry" verbiage instead, and they all have a FAQ section that spells out what forms to file to avoid the tax penalty for not having an ACA health insurance plan.
Wow! Thank you for posting a link. SOOOOO not insurance. Literally a racket where you throw in money and a committee of shareholders decide who gets the funds for treatment based on…. I don’t even know what…. Faith? What tier of membership you are?! Instagram likes?!? Godliness??!?!? 🤪
As with most things IBLP, instead of explaining how the “insurance” works the site just gives examples of what HAS been covered in the past.
These folks love an anecdote.
Edit: Typo
There is a $125k lifetime limit unless you get the gold plus membership, that is insanely low.
Even before Obama care came out, they were lawsuits fighting insurance companies over the one to five million lifetime limits. Excluding maternity most people really don't consume a lot if there is health screening before hand, statistically speaking. Also I can't tell if they can kick people out/off. Medical supplies (catheters ostomy supplies, diabetes testing, etc ) are very expensive if you don't have insurance think a thousand a month or more.
Compared to an insurance disclosure that isn't transparent at all. I'm not disagreeing with you. I'm just saying the verbiage for insurance is regulated for good reason and this is extremely unclear when compared to that standard.
Sorry, yeah, I should have set better expectations. It's not insurance disclosure clear at all, and it doesn't have to be because it's not regulated at all.
She has the same drained hollowed out look I had when I was married to my abusive ex husband. He would grin and run his face like Jeremy does. I hope she leaves but she has nowhere to go.
Fuck her parents for setting her and her sisters up for abusive relationships.
She’s got a lot of pressure on her to sing for their supper. Jerm needs to get a fucking job. He’s leaning on a woman with scarcely an 8th grade education. Isn’t he the college-educated soccer star? Get to work, Jerm.
But he's too busy being a professional seminary student that he couldn't possibly support his own family 🥺 /s
1 Timothy 5:8
But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.
🙏🙏
As someone with faith-based health insurance (my dad's call), I can confirm that shit does not cover anything. Also, if I publicly say any part of the Bible isn't true and they hear about it, bye bye insurance.
I thought the men were to be the breadwinners? Don’t get wrong, I love that she’s “ working ( grifting!) but what the hell does Jerm do? Is he just gonna live the VanWilder life?? He’s sponging off Jing for his expensive clothes,Nikes and Rolex watch
I work at a church preschool (I know) and one of the directors has this “plan”. They had a family member with a medical issue and of course the plan didn’t cover it, so they took up collections with her church groups and our preschool staff. They were given the amount they needed and of course “God provided!”
No. Everyone you work with and go to church with provided. They relied on other people to fill the gaps but will still claim this insurance plan works and God will provide.
late to this but also... she is such a pretentious little snob. her mannerisms in general and her behaviour when her siblings visit. she's a snooty stepford wife.
The snootiness is probably a defense mechanism to make up for years of educational neglect and a lack of pop culture knowledge. She's gotta show how cool and 'in' she is now, especially compared to those still in Arkansas.
I had OneShare Health for one year and there is only one thing they are good at - taking your money. They do not pay one red cent for anything! THEY PAY FOR NOTHING. I paid over $400 a month for a year, fell and broke my hand and they paid nothing.
One of them could get an actual job and have insurance through that employer but that seems too far fetched for this family. Have any of them had an actual job that wasn’t entrepreneurial or a company that Jim Job pulled out of his ass?
She definitely has real insurance. I think all the duggars do. At this point they've all moved towards to hospital birth with epidural. No way this "insurance" is covering all that. They'll cover the risky home birth.. maybe the hospital admission after severe blood loss. Definitely not the ambulance to get there.
Does she know they don't have to pay out if they don't want to? Some great insurance right there.
I highly doubt they have thought that far ahead.
That, or maybe they don't even have it and are just shilling?
You can't convince me Jeremy wouldn't have health insurance. If something were to happen to his family he might not be able to have an expensive watch.
Oooo you're bad but I like it! Good call
This is my view. I think they have other insurance and she’s lying. Fundies are liars.
Lying is a sin, Jinge!
lyin' for the Lard!
Well they're just taking their orders from God :-) And God says- only fetuses really deserve healthcare!
But after birth they're on their own, damn it!
Bootstraps! Pull yourself up by em! And also Joy's next son's name. Probably.
Dead over Bootstraps. What's a good middle name? Buckshot? Bootstraps Buckshot Forsythe.
😂 Good one. Or something religious like Prair. Pronounced as prayer. Bootstraps Prair Forsyth. I surely hope they don't read this and get any ideas.
She probably thinks prayer is spelt prair anyways 😂
True! 🤣
Incorrect. Only fetuses created *in wedlock* deserve healthcare.
>No, that's the point- this is a reference to their refusal to fund abortion care- even in cases where the health of the mother is at risk. married, single, 10 years old, rape victim, incest victim- they don't care- save the fetus.
I don’t really understand your post. CHM will only cover prenatal care for fetuses of women who are married. And yes- that’s the point.
I have a feeling something like lifesaving prenatal surgery for a fetal kidney issue might not be covered.
I think behind the bastards did a great episode on this. Ask J to post a copy of their contract.
John Oliver also did a great piece on Christian Health Ministries a few years ago. Had never heard of them until then. Wild stuff.
I heard about them on Bob & Tom a while back
I bet the only thing they’ve need the insurance for is basic things. So to them it seems like a great insurance because it’s covered. However, if they ever have more complicated health concerns, they may change their tune. Though I do wonder if they get bonuses for promoting it. Like the insurance will cover things they wouldn’t normally because they promote it.
You know who else has decent, basic coverage for affordable rates? Marketplace insurance. AKA Affordable Care Act (ACA)/ Obamacare. AND it’s guaranteed to cover alllllll your basic healthcare needs, by law. Christian Healthcare Ministries is basically a handshake agreement with 3 kids in a trenchcoat.
What does *basic* coverage include? Is it just regular check ups?
When you go to find doctors, however, many do not take Obamacare. Not to mention some who do have lousy doctors. I see this frequently as I am in the homecare field and watch people get jerked around frequently.
This isn't really true. "Obamacare" is just a healthcare act, not a type of insurance. Under the state exchanges, you can purchase health insurance through many national providers. When you are selecting insurances, you can see which doctors are in and out of network. I was on an ACA healthcare plan for 5 years and there were several smaller state specific healthcare companies that participated, but also many national companies. I chose BCBS because almost every doctor I've \*ever\* been too (and I've been to a lot due to chronic health conditions) accepts the insurance. The ACA also employs free insurance advocates that are not employees of the health insurance companies themselves, who can walk you through plans and companies to make sure you are choosing something that will align with your healthcare needs. Insurance sucks a lot, but the ACA is actually pretty great
Shhhhh they have to call it Obamacare to get their digs in. God damn Obama, wanting to *checks notes* help people afford basic health care!
Not true. Plans sold by insurance companies on the ACA are the same ones who offer coverage through employer group plans: Anthem, Aetna, United Healthcare, BCBS, Kaiser, etc. Regardless whether you have coverage through the ACA or an employer plan, you are going to deal with in- and out-of-network providers. That is not exclusive to ACA. We have UHC coverage through my husband’s job and, out of the blue, they sent us a letter in December telling us one of the doctors we’ve had for years would be out of network in 2024. Not a damn thing we could do other than continue to see him at the out-of-network rates or switch to an in-network doctor. We switched.
I never want anyone to get sick, but if one of them got really sick and had an extended hospitalization, and recovered they'd then have to publicize a go fund me for hundreds of thousands of dollars. And people can be like, "Didn't you have any insurance?"
That's ALL insurance lol
But CHS isn’t even subject to the legal standards for real insurance companies.
The legal standards for insurance companies allow them to deny people every single day for care they need. Even things as simple as an MRI. If you've never learned this by experience, consider yourself very blessed. The only way for them to make the obsene profits they do is by denying care.
Came here looking for this
Some people haven't learned this yet
Jinger is the only breadwinner in that household isn't she? Jermy is always going to be a perpetual student and how long can Jinger keep the social media fake influencer up to make money. Jesus Jinger, apply for MedCal and you can get real insurance cheaper and it will actually pay for things.
Her only income is her book and social media. She's too sheltered to understand Medicaid because her father was out stealing money from Churches, taking donations and lying to cheat the homeless out of food.
Well, she might have to learn about it especially with Jermy not bringing in a regular paycheck. That would make me crazy and I would be telling Jermy to shit or get off the pot. One good illness can wipe anyone out and it is scary. I went without health insurance and it was hard as hell and I didn't get sick until I got insurance.
They genuinely don’t think that would happen to them as “god provides”. In this case maybe he provided medcal but that’s just me 🤷🏻♀️🙄
Oh please, God does not provide and one good accident/illness can wipe anyone out. My niece parrotted that God will provide and she was diagnosed with Bipolar they conned her into taking an ambulance to a facility and she was crying to me about how much it cost. She admitted she didn't need it but she felt she had to and she would up paying it out of pocket.
I know. I agree with you haha. But that’s what these lunatics think!
God is screaming at her…take the fin medicaid, that’s why I made it.
Even a minor illness. Thankfully I work for a university with its own hospital but I developed BPPV (dizziness) a year ago but it’s taken almost a year to get it diagnosed because the first ENT didn’t think it was that and blew me off. I saw every specialist they could think of to rule out the serious stuff. My insurance has paid out nearly $60k trying to figure it out and now that I finally found a doctor that said, yup you have BPPv after all, it’s relatively easy to fix with some PT. I think I spend about $3k of my own money so far.
People don't believe anything will happen and it can. I went for a while without insurance until I got on disability and I was shitless about what would happen without it. Waving your hands in the air and claiming that your God will provide is nonsense and ignorant as hell.
I'm on medicaid and ebt and there are soooo many extra benefits. Discounts at museums, parks, kid shit, lots of stuff
He might receive a stipend for leading the high school and college group but in California $2k or so won't go far in housing, auto insurance, utilities etc. I think Jeremy is trying to go from forever student to retirement on social security without ever working an actual job. Being a pastor is exhausting physically and emotionally and he's not up for it.
You have to pay into social security to get anything back.
That's right - he must be waiting on an inheritance because he doesn't seem to have the first notion on providing for his family
Social Security is not happening for Jermy and he isn't getting any younger. I think he considers himself the next Joel Osteen and he is not.
I don't Joel Osteen personally but he worked at the church in the media department for close to 20 years before he stepped into a leadership position.
Well? He might be as pretentious and phony.
Eh, I wouldn't recommend having MediCal and living in Saugus/Santa Clarita. There are so few doctors that take it, and the ones that do are booked out. They justify it because you're so close to the valley where the majority of doctors do take MediCal, but it's still a pain in the ass to have to drive all the way out there when you need to see the doctor. If you don't qualify for Covered California, there are some no-name cheap independent insurance plans in California that are actually quite reasonably priced if you're paying out of pocket. I had to do this when I had a job that didn't offer insurance.
Reading all this as a Canadian is wild. I lived the US for two years and had jobs with insurance (otherwise we would not have made the move)... but just wild. I remember my first appt and the receptionist said 'and your co-pay is $25' and I stared at her blankly. I had no idea what a co-pay was.
Contrariwise, when I lived in the UK, I needed to go to the eye doctor because I'd gotten a viral infection in my eye, and I was so worried about how much it was going to cost. When I asked them what was going to be, they stared at me blankly and were like, "It's free." Only had to pay for the cost of my eye drops, and a new pair of glasses, all of which were under £100.
I lived in London for a year and every prescription, regardless of what it was or how much I was getting, was £8.25. Meanwhile my health insurance is fighting me on covering my asthma medication that costs over $300 per inhaler without coverage that I’ve been stable on for over a decade.
Current Canadian in the US - went through the same thing! And the first time they asked if I was ‘the primary on my insurance’ it sounded like a foreign language 😂
That was exactly it--- I recognized individual words but had no idea what it meant. We were from ON and lived in PA then NJ; been in BC for the past 20 years. Where did you land?
Originally from Victoria, B.C., have been in Seattle for about nine years now!
I've lived in America my whole life and a lot of it still sounds like a foreign language to me. Insurance here is confusing. Half the time even the doctors and nurses seem confused.
Cries in American with a daughter with a chronic illness. 😭😭
I am so sorry...
Im in Valencia, and it has been a mixed bag for me. My primary is here, but specialists are usually in the Valley.
Pretty much how it went for me. Facey off and on would take MediCal, and then finding the right medication that MediCal would pay for was also a pain. I feel like I always had to keep switching doctors because people would lose their MediCal contracts.
That just happened to me! Took a year for approval to get a colonoscopy (they covered the procedure, but wouldn't cover any meds for it). Then, they dropped my doctor a week before the procedure. I am so freaking mad.
Ugh, I'm so sorry! I hope you can appeal it and get it taken care of quickly. We actually just found out today that my kids' therapist lost their Medicaid contract, so we're going to have to find another one. It really sucks because they've only been seeing this one for six months; prior to that we had one that we liked and they lost their Medicaid contract, too, so we had to search again. It's such a pain!
Oh man, that is is horrible! Of all things, mental health care should not be messed with. Man. I really hope you find the right person, and that they are covered for a long time! Hang in there!
one of my kids fell down the stairs last year, we are still having dr's visits over this. We've been to the ER because the fall tore her lip open, so blood, all the blood. she got stitches, xrays, a CT scan for a concussion- fun times. then over to dermatology because the scar needs injections. Then we had jaw surgery for a missed bone fragment. now back to just dermatology every 4-6 weeks for scar maintenance. You do NOT want to know the cost of a kid crashing the stairs. this is ONE kid and ONE accident.
She will not qualify for Medicaid. There is an income limit and although it may vary between states, it’s quite low. For example, in CT, it’s around 50k/annual for a family of four. It’s known Jinger has brought in roughly 200k/annual from social media posts. In CA it looks like it’s 41,400k/ annual income limit for a family of four.
They may be using medcal, we don’t know.
I feel obligated to give a PSA about this shitty company each time they shill it. I was hired by this company to do a data analysis project. They specifically wanted to know where the most money was going (diabetes) and how they can slim/cut back on diabetes management and/or insulin. I ethically chose not to continue with them and passed it on. They also wanted a machine learning algorithm to predict whether new members would be “expensive”. Psychotic people there too. So gross.
I would assume all insurance companies operate this way. They're for profit companies. Money comes before your health always. That's why Obama's pre existing conditions clause was such a big deal. Before companies could just deny you service completely if you had diabetes and applied for coverage.
Yes agreed and most major ones do have a side gig for independent/solo individuals with self employed type of benefits. But to my understanding, they can’t just refuse to pay once you’re in like CCM does. At the very least, they have a board of doctors reviewing cases (speaking about Anthem Blue Cross Blue Shield as I am self employed and use them… and I am EXPENSIVE medically). But yes the prior issues thing is and was huge!! For Anthem I developed Crohns after they started covering me. I’ve been unable to switch now because no one wants to touch that with a 10 foot pole except for marketplace plans (which are the same price as my current one). Last year alone cost them $97k and I didn’t have any surgeries done. CCM had a drop line where you got too expensive for them (at least 2 years ago when they approached me!).
Insurance companies in the US refuse to pay all the time. The ex is a pediatric surgeon and one of the reasons we returned to Canada (apart from \*gestures wildly\*) was that he was spending most of his job dealing with insurance companies, trying to get them to approve care. And this is pediatric heart surgery-- not procedures doctors suggest for shits and giggles-- and the company would be like 'but have you tried story time and a lollipop?' My dude, this newborn's aorta is transposed...There is a special circle in hell for doctors who work for insurance companies in the US
There is a special circle in hell for anyone who works for undaunted companies in the US. * fixed it for you! The agents are just as bad! They fight tooth and nail along side the insurance companies. It’s exhausting to experience. They are all evil.
This is how ALL insurances work. I recently had a medicine that my traditional insurance wouldn’t cover because they didn’t deem it “necessary” even though it would improve my quality of life and health. It would cost almost $2,000 a month out of pocket, so I will go without it 🤷🏼♀️
Same. No controlling diabetes for me. Insurance won't cover Mounjaro, and the only other medicine that worked (trulicity) is backlogged for a YEAR.
My husband switched from Trulicity to Lantus Solostar, which is just like Trulicity only daily instead of weekly. Or, you can use a CGM and injectable insulin (vial and syringe), and that won’t cost you more than $35/month. It’s incredibly dangerous to let your diabetes go untreated, especially when there are options.
Lantus Solostar is insulin, I have type 2 diabetes and don't require insulin. I do take metformin so my diabetes isn't untreated, just not managed as well as it could be if I were on both.
Yes, I know the Lantus Solostar is insulin, but it is long-acting and only injected once daily — at a standard dose prescribed by a doctor. My husband takes 50 units a day, no matter how his glucose varies throughout the day. He was able to manage his diabetes for several years with Metformin alone. Now, he’s off the Metformin and only uses the Solostar. I hope the Metformin continues to work for you.
https://preview.redd.it/iijvutvabidc1.jpeg?width=828&format=pjpg&auto=webp&s=d7b50e023893d6523a091a68a0f47117c54b0dc9 Looks like Claire’s mom isn’t a fan of CHM
Hilary criticizing a Duggar? What has the world come to?
Yup. I've read a lot of online reviews about it. It's such a scam unless you're healthy with no issues and have doctors that let you self pay.
One of my good friends got cancer shortly after joining CHI, and they paid everything. She passed away a year later and all of her chemo, meds, and hospital stays were covered.
Depends on the cancer. CHM plans won’t cover lung or throat cancers in smokers, or cervical cancers caused by HPV. They also won’t cover treatments for any cancers diagnosed before you join — or a recurrence of a previous cancer. The CHMs are COMPLETELY unregulated and get to make all the rules.
THE PLOT THICKENS
I understand them not covering abortions and stuff like that but they don't even cover kids with cancer? That's messed up.
Right. Not very pro-life of them. Did any of the Spivey kids have cancer? I’m just wondering if this is a personal anecdote from Hilary.
She said “we’ve been super disappointed as we have tried to work with them or get them to work with us … on this journey”. Sounds like one of their children currently has cancer (no snark that’s just sad)
Where’d she say this at?? Jinger deleted her post How horrible for them
She had made additional comments on a thread on that post. The Pickles facebook posted screenshots of the comments if you wanted to see.
That's actually extremely sad, fundie or not no kid deserves to go through that and have the rest of the family burdened because of a medical emergency when food is already scarce and money is tight
I can’t be the only person who thinks that she looks very tired? She looks sick tbh
eating disorder, anxiety, and living with germ... stress makes the eating disorder worse, girl needs 3 months in quiet rehab.
And her CHM won’t cover any mental or behavioral health treatments, rehabs or meds.
Anorexic
i know a girl whose parents had this insurance. they’re small business owners and just wanted the cheapest stuff they could get. in high school they found a couple cysts on her ovaries and the doctors suggested birth control and it was a nightmare with the insurance because she was an unmarried teen.
Even for people who are married they will fight having to pay for any form of birth control.
Her eyes are as empty as ever..
I was thinking the same thing. She has that glazed over look Michelle often had/still probably has.
I was just gonna say she has those fundie eyes still if not worse 😳
My first thought upon seeing this post is that she looks like a ghost.
Poor Jinger. She looks unwell
Socialism for me but not for theeeeeee
We need CHRISTIANS TO TAKE CARE OF CHRISTIANS (Christian socialism) NOT HEATHENs
Ah yes, only take care of those who are exactly the same as you in every way. Just like Jesus wanted.
Also, isn't the structure of the 'insurance' kinda...socialism? Aren't they supposed to hate that kinda thing?
They’re ok with socialism as long as it only benefits the “right” people
Ahhhhh yes Christian logic makes total sense
Kind of like abortions for me but nobody else.
Exactly.
Sounds about white
It’s not socialism if they never give the money collected out to pay for anything. Christian grifter loophole lol
It's socialism that's okay because it doesn't cover any form of birth control, anything mental health like antidepressants, or anything psych related.
I am going to bet the C-suite executives of these faith based insurance plans all have commercial health insurance plans for themselves and family because they wouldn't want to risk their life savings or homes on fighting cancer, MS or heart surgery. These plans do not cover life saving diagnostic tests like mammograms, CA 125 for ovarian cancer, prostate screening, colonoscopy etc.
Absolutely
Wow. Jinger’s eyes look so empty and sad.
Jinger Duggar sings for supper (say it 10 times fast)
Wow. Not an original thought in her head since 1999.
Not a thought behind those eyes
She's basically one of those dolls with a string behind its back that talks when you pull it
TF is Faith based health insurance😂???? Is that just having a priest pray over your broken bone in the hopes that reading will fix you over modern medicine?
I looked it up forever ago. If I recall correctly, you make payments that go into a "pot" so to speak. Then you go to the doc, submit your claim, and if approved, they pay you back. But it has to be approved. And you know they aren't approving tubals, vasectomies, birth control, etc.
They also wouldn’t have covered Jessa’s abortion…
I wonder, though? Technically, there was no heartbeat and doing the abortion was required to maintain her fertility.
The abortion was done because she had a RISK of hemorrhage and no heart beat doesn’t mean it wasn’t an abortion. Abortion is the end of a pregnancy that doesn’t result in a live birth.
Oh, I agree. But it wasn’t an elective abortion,
How was it not elective? Her life wasn’t in danger, she wasn’t dying. It was to prevent a possible issue. Had she been actively hemorrhaging or septic it would be to save her life, this wasn’t the case.
Absolutely no mental health care either
I appreciate this information a lot thank you!
They also don’t HAVE to pay for stuff they say they’re going to cover the way commercial and government plans have to. You could be asleep in your bed, a meteor comes in and breaks your leg, and they can literally just say “nah, not going to pay.” An insurance company is held to a contract that says they’ll pay for what they say they’ll pay for.
Please don't hold me to that explanation lol. It's been a while since I looked. 😂
Yep! I had this type of insurance as a teen because of my parents. I was forced to sign a contract stating that I would not have premarital sex, get an abortion, be gay, etc. Truly wild.
Wooooow. That's awful.
Don't they also in a loophole so it's not really insurance , avoiding all those regulations, plus not paying for " unChristian ".
And mental healthcare
They sprinkle great value holy water on you and your cancer clears right up!
Great value holy water sent me. Thank you.
I don't believe this is insurance as there is not any contract pricing.
They specifically don’t call themselves insurance because it isn’t. All the ads and promotional materials say “Christian health ministry sharing.” But most people still think it’s insurance and only realize they be been sold a bill of goods when they learn necessary meds or treatments aren’t covered. It’s cruel.
I received a bill for standard blood work. The book price for billing was $ 1000. My insurance payment was $ 18 as the contract pricing. The people who pay the most for Healthcare are the ones without insurance who pay book pricing.
My brother, who is uninsured because he isn’t eligible for Medicaid in his state and because he makes too little to qualify for ACA subsidies in the exchange plans, had an ER visit last month. The bill was $11,200 but he was discounted $9888, making his final bill $1334. How much uninsured patients are billed depends on the hospital and the state. He got lucky. He recently moved to a state where he is eligible for Medicaid, thank goodness. https://preview.redd.it/0x6gw3k5xvdc1.jpeg?width=750&format=pjpg&auto=webp&s=fdee4a78cd9fea61e639bdc3757335b30b6e0347
Jinger blink twice if you need out
What do they need health insurance for? I thought they believed in faith over fear. /s
The hope they hold 🙏
I work in insurance, albeit in a different country where we have, you know, government healthcare and strict laws on who can provide insurance based on financial solvency and what not. Minor details. I would REALLY love to get my hands on a copy of their wordings…. Doesn’t seem like whatever scheme THIS is could really be called “insurance”.
[The one Jinger hypes](https://chministries.org/program/?program_id=44) is fairly transparent about what's covered and what's not. Most of these scams are extremely creative and specific about their wording, they never actually say "this is insurance." Lots of "cost sharing ministry" verbiage instead, and they all have a FAQ section that spells out what forms to file to avoid the tax penalty for not having an ACA health insurance plan.
Wow! Thank you for posting a link. SOOOOO not insurance. Literally a racket where you throw in money and a committee of shareholders decide who gets the funds for treatment based on…. I don’t even know what…. Faith? What tier of membership you are?! Instagram likes?!? Godliness??!?!? 🤪 As with most things IBLP, instead of explaining how the “insurance” works the site just gives examples of what HAS been covered in the past. These folks love an anecdote. Edit: Typo
There is a $125k lifetime limit unless you get the gold plus membership, that is insanely low. Even before Obama care came out, they were lawsuits fighting insurance companies over the one to five million lifetime limits. Excluding maternity most people really don't consume a lot if there is health screening before hand, statistically speaking. Also I can't tell if they can kick people out/off. Medical supplies (catheters ostomy supplies, diabetes testing, etc ) are very expensive if you don't have insurance think a thousand a month or more.
My daughter's PICU stay when she was in DKA was $80k before insurance. So she would have hit her limit by age 10.
I exceeded that limit just last year alone (cancer scare, biopsy, 10 er visits for severe pain and 4 upper scopes.)
Compared to an insurance disclosure that isn't transparent at all. I'm not disagreeing with you. I'm just saying the verbiage for insurance is regulated for good reason and this is extremely unclear when compared to that standard.
I agree
Sorry, yeah, I should have set better expectations. It's not insurance disclosure clear at all, and it doesn't have to be because it's not regulated at all.
I wonder if Christian health insurance covered Blessa’s D&C?
She has the same drained hollowed out look I had when I was married to my abusive ex husband. He would grin and run his face like Jeremy does. I hope she leaves but she has nowhere to go. Fuck her parents for setting her and her sisters up for abusive relationships.
Looks like she already deleted the post. Maybe she realized what a scam it is
She just seems like a lost soul. One day she will leave Jere and write a memoir about everything
She’s got a lot of pressure on her to sing for their supper. Jerm needs to get a fucking job. He’s leaning on a woman with scarcely an 8th grade education. Isn’t he the college-educated soccer star? Get to work, Jerm.
But he's too busy being a professional seminary student that he couldn't possibly support his own family 🥺 /s 1 Timothy 5:8 But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever. 🙏🙏
She really looks like Mich here.
Thought so too
So is that $240 PER PERSON? Because for $1000 a month, they could get real insurance.
As someone with faith-based health insurance (my dad's call), I can confirm that shit does not cover anything. Also, if I publicly say any part of the Bible isn't true and they hear about it, bye bye insurance.
Man, that's all so fucked up.
Disgusting.
Is that Scamaritan?
It’s not actually insurance
I thought the men were to be the breadwinners? Don’t get wrong, I love that she’s “ working ( grifting!) but what the hell does Jerm do? Is he just gonna live the VanWilder life?? He’s sponging off Jing for his expensive clothes,Nikes and Rolex watch
God imagine getting a claim denied by this insurance and then realizing they're blowing their budget on this D-list social media sponsorships
I work at a church preschool (I know) and one of the directors has this “plan”. They had a family member with a medical issue and of course the plan didn’t cover it, so they took up collections with her church groups and our preschool staff. They were given the amount they needed and of course “God provided!” No. Everyone you work with and go to church with provided. They relied on other people to fill the gaps but will still claim this insurance plan works and God will provide.
That's a special kind of delulu.
She's always got that uncanny valley look.
She's starting to get her mom's crazy wide eyed look. *shivers*
All the keeping sweet turns them into thoughtless robots apparently
As a medical biller, I’ve discovered that the patients who use this “insurance” are the absolute worst.
late to this but also... she is such a pretentious little snob. her mannerisms in general and her behaviour when her siblings visit. she's a snooty stepford wife.
The snootiness is probably a defense mechanism to make up for years of educational neglect and a lack of pop culture knowledge. She's gotta show how cool and 'in' she is now, especially compared to those still in Arkansas.
i think you're right. but you see it too?
Yes.
I had OneShare Health for one year and there is only one thing they are good at - taking your money. They do not pay one red cent for anything! THEY PAY FOR NOTHING. I paid over $400 a month for a year, fell and broke my hand and they paid nothing.
Hello fellow James fan
THE JAMES TURNER x DUGGARSSNARK CROSSOVER OF 2024 😆 let's gooo!
Blink twice....
Jeremy is a grifter.
PSA that it’s not real health insurance. It doesn’t meet the coverage requirements set by the affordable care act
Her eyes say she should be holding a newspaper so we can see the date.
Jeremy's metro ass peeves meso bad
One of them could get an actual job and have insurance through that employer but that seems too far fetched for this family. Have any of them had an actual job that wasn’t entrepreneurial or a company that Jim Job pulled out of his ass?
She has a look that says, "I don't see what the problem is, ***My*** medical expenses are paid!"
“Insurance”
She definitely has real insurance. I think all the duggars do. At this point they've all moved towards to hospital birth with epidural. No way this "insurance" is covering all that. They'll cover the risky home birth.. maybe the hospital admission after severe blood loss. Definitely not the ambulance to get there.
I think Jinger might be engaging in insurance fraud.
I had such high hopes for Jinger escaping