How We Save $629 a Month on Medical Insurance

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In the past our children were covered under a Florida state plan that cost us $300 for EACH child. We have two girls, so that was costing us $600 a month! They changed the plans on us and our pediatricians no longer accepted our insurance, so that left us in a quandary. I had decent insurance through Cigna, but it kept increasing in price and became unaffordable for us. My husband stayed uninsured because in the past 17 years he had not seen a doctor even one time. I know that is taking a risk – but we just could not afford to pay out anymore than we already were for health insurance! We decided we had to do something – it was costing us a lot for insurance and we couldn’t even take our children to the doctors we had been using since both of their births

After a lot of research and prayer, we decided on Christian Healthcare Ministries. Today was my first time submitting information to Christian Healthcare Ministries. Thankfully we are a pretty healthy family and do well with natural home remedies to treat whatever we come down with. 

Christian Healthcare Ministries (CHM) is an 
affordable, faith-based solution for Christians to the problems of rising healthcare costs and expensive health insurance policies. An eligible option under the national healthcare law, CHM is thousands of Christians united in sharing each other’s medical bills. Learn More

Here is a little back story:

When my now 15 year old was six years old she complained about constant headaches. I was told many things about them: allergies, stress, she needed glasses, etc. My mommy intuition told me that was not it, so I talked her pediatrician into sending us for some tests. A CAT Scan showed she had a very large cyst on her brain and they scheduled her for surgery right away. There were some complications and she underwent 3 brain surgeries and ended up with a shunt. Thankfully today she is doing great and the cerebral shunt is working to keep the pressure off her brain.

Here it is nine years later and her little sister, who is six years old, has been complaining about frequent headaches. I am praying that it is NOT the same thing her sister had and that she just needs new glasses, however, the same pediatrician sent us for a CAT Scan today and has referred her to a pediatric ophthalmologist just to be sure.

The pediatrician’s office gave us a discounted rate of $60 for the visit. He sent us for a CAT Scan, and the full price was around $1,500. They discounted it to $521 because we are self-pay.

I spent 15 minutes filling out the forms and scanning them in and sending them along with my itemized bills to CHM. They will cover it 100% since it exceeds $500, which is the portion we would normally cover (like a deductible.) And…since my discount was over $900 we are not required to pay anything (not even the $500 personal responsibility.)

We also have to go to the pediatric ophthalmologist, and that will be 100% covered since it is the same “incident.”

We pay $340 a month for our ENTIRE family. My 2 girls and I have the Gold Plan and my husband has the Bronze Plan. You will never pay more that $450 for a family to have the Gold Level Coverage. If you are a single parent home, you would pay $300 for you and ALL of your children – whether or not you have 1 or 10 kids. It covers maternity 100%.

Before we joined CHM, I was paying $600 a month for my 2 girls to have crappy insurance, $369 a month just for me, and my husband had no coverage. The savings we experience more than covers any routine visits we would need to pay for (we rarely ever go see the doctor.) We can see ANY Doctor too, which is a HUGE deal for us.

The reason I chose CHM over another option is that I pay them each month directly and they send me payments in one check. Other similar programs will have you mail checks to individuals and you will get a bunch of random checks from others to cover your medical bills. I do not know about you – but I am not great about getting stuff in the mail and I HATE waiting for checks to arrive!

If you are looking for an affordable healthcare option, I highly recommend Christian Healthcare Ministries. My friend Amy Roberts over at Raising Arrows also uses CHM and he has a large family. Read about her experience with them here. Also, Jamerrill with Free Homeschool Deals is a CHM member and her family is large too! She just used them for maternity coverage for the first time. Read her story here.

My referral link is –>, but if you feel the Lord leads you to use one of their links – go for it! 

Written by Carrie


Carrie is the owner & operator of Homeschool Giveaways. She is also the Operations Manager for Build Your Bundle – a once a year HUGE homeschooling sale. She has been homeschooling for ten years, has two girls and works side by side at home with her awesome husband. She has been saved by grace, fails daily, but continues to strive toward the prize of the high calling of being a daughter of the Most High God.

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