A new Catholic sharing ministry

Readers of this blog will know that I am a big fan of health care sharing ministries as an alternative to conventional health insurance.

If you aren’t familiar with sharing ministries, the concept is fairly straightforward. They are voluntary associations of people, typically Christian in nature, who agree to share one another’s medical bills. Members pay a set amount each month, and those funds are used to pay medical bills of members (typically referred to as “needs”). There are a few variations on the theme – at Samaritan Ministries, for example, members send the funds directly to their fellow members, while at others the money may be sent to the ministry’s central office for distribution – but the general concept is the same.

The ministries typically have what they call a “personal responsibility” amount, which is similar to a deductible in that members are expected to take care of that portion of medical bills before turning to the ministry. And a number of ministries also offer services such as nurse hotlines and bill negotiation.

Despite looking somewhat like health insurance, they are not insurers. The biggest distinction, at least from a legal standpoint, is that there are no guarantees that any particular member’s medical bills will be paid. As I like to say, they are faith-based in two critical ways – first, they are based on Christian faith and the Biblical injunction to “bear one another’s burdens,” and second, members truly are placing their faith in the goodwill and generosity of their fellow members to cover their medical bills.

This sounds dicey to some, and if you’re of the cynical variety you may not think this sounds like a very good deal.  Such ministries have existed and generally done well at fulfilling their mission for decades, and at this point hundreds of thousands of Americans (myself included) have opted for this alternative to conventional health insurance. But for a variety of reasons it isn’t for everyone, and if it’s too much of a leap of faith for some people, then there are other options that are probably a better fit.

In the past I’ve written about the five health care sharing ministries I was familiar with: Samaritan, Christian Healthcare Ministries, Christian Care Ministry, Altrua Healthshare, and Liberty HealthShare.

Two new* sharing ministries have come to my attention recently, Solidary HealthShare and Medical Cost Sharing, Inc., so I thought I’d provide a little information on them in two separate posts.

Solidarity HealthShare was created specifically for practicing Catholics. While to the best of my knowledge all of the ministries welcome Catholics, by and large they are rooted in Protestant traditions and understandings (Altrua began as a ministry focused on Mormons). This isn’t a theology blog so I’ll just note that in the past I have heard of some Catholics expressing reservations about certain language often used by the ministries that was, at least to them, problematic.

Here is how Solidarity HealthShare describes their mission:

Pope John XXIII addressed in his encyclical Mater et Magistra the vast field for personal charity which would absolutely include health cost sharing. He wrote: “Tragic situations and urgent problems of an intimate and personal nature are continually arising which the State with all its machinery is unable to remedy or assist. There will always remain, therefore, a vast field for the exercise of human sympathy and the Christian charity of individuals. We would observe, finally, that the efforts of individuals, or of groups of private citizens, are definitely more effective in promoting spiritual values than is the activity of public authority.” (Mater et Magistra, 120)

Solidarity HealthShare seeks to restore and rebuild an authentic Catholic health care system that will, in every way, respect and promote the Church’s teachings and traditions with regard to love, responsibility and the sanctity of all human life while endeavoring to share the eligible medical expenses of our members.

The requirements for membership in the ministry are fairly consistent with those of other ministries, for example no drug or alcohol abuse. Regular church attendance is also expected . Not surprisingly for a Catholic entity, there are also prohibitions on contraceptive use (Protestants tend not to have objections to married couples using contraception) and an expectation that members “[r]eceive the Sacraments regularly” and “[c]onsult with our priests over matters of moral conscience.”

Solidarity HealthShare offers three different membership levels. The “annual unshared amount” (personal responsibility amount) is the same for all three levels, $500 for an individual, $1,000 for a couple, and $1,500 for a family. The most generous level, Solidarity Whole, will share 100 percent of medical expenses up to $1 million per incident after the annual unshared amount has been met.

The other two programs, Solidarity Extend and Solidarity First, will both share expenses up to $125,000 per incident. The difference is that 100 percent of medical bills are shareable in Solidarity Extend, while only 70 percent are shared in Solidarity First.

It may surprise those who aren’t familiar with the distribution of medical expenses, but the differences in monthly membership costs aren’t all that significant despite the significantly more generous amount that can be shared at the Solidarity Whole level.

For example, a couple between the ages of 30 and 65 signing up for Solidarity Whole, with a $1 million cap on shareable expenses, would pay $299 a month. Solidarity Extend, with a $125,000 cap, would cost the same couple $277, and Solidarity First would cost $248. This repeats a pattern familiar to members of other ministries who opt for some form of add-on coverage – at Christian Healthcare Ministries, for example, membership in the Brother’s Keeper program typically costs around $25 every three months for each person in a family.

These costs are generally much less than individuals, couples, and families would pay for conventional health coverage. And, just like the other ministries I have written about in the past, members of Solidarity HealthShare are exempt from having to pay the tax/fine for being uninsured, even though technically it isn’t insurance.

One interesting feature of Solidarity HealthShare is something called HealthTrac, which is aimed at members with pre-existing conditions. Here’s how it’s described on their site:

HealthTrac is for Sharing Members of Solidarity HealthShare who qualify for our medical cost sharing program but have certain pre-existing health conditions that can be improved through lifestyle changes. HealthTrac is in place for Sharing Members to improve their health while reducing the risk of developing or exacerbating serious diseases.

HealthTrac is designed to help individuals with diagnoses such as diabetes, hypertension, cancer, heart disease, high cholesterol and obesity, as well as tobacco users who are willing to work towards a healthier life. Each HealthTrac participant is assigned a Health Coach to develop a personal plan for achieving goals related to their condition or diagnosis. Regular communication with the coach and tracking of progress is part of the program.

It’s an additional $80 per month to join the program, but I can see where it would be a real value for people struggling with specific conditions.

There is one additional thing that should be pointed out about Solidarity – it is part of a longtime sharing ministry operated by Gospel Light Mennonite Church of Canton, Ohio. No surprise there, since restrictions included in the Affordable Care Act limited the ability to avoid paying a penalty for being uninsured to members of ministries that existed prior to 1999. By partnering with one such pre-existing ministry, Solidarity HealthShare is able to provide this important benefit to its members.

What is a little unusual is that Gospel Light Mennonite Church is also the partner of Liberty Healthshare, and the two ministries seem to have roughly identical programs, including the monthly membership contributions and the HealthTrac option. The web site layouts are pretty similar as well. There’s nothing wrong with this in my view – having separate entities that rely on the same infrastructure is a pretty common business model – but it does raise the question of what the difference is in the two ministries beyond membership requirements (I’ve got a question in to the founder of Solidarity HealthShare on this, and will share his response when I get it).

Solidarity HealthShare is the second ministry aimed at Catholics. CMF Curo, which is part of Samaritan Ministries, has been operating for about two years now. So if you’re Catholic and are looking for a health care sharing ministry that more closely reflects your faith than the generally Protestant-oriented ones, you now have two choices to compare and see which best suits you.

The second sharing ministry that I’ve become aware of recently is Medical Cost Sharing, Inc., based in St. Joseph, Missouri, which I hope to write up in another post in the next few days. If you or anyone you know have joined this ministry, I’d love to hear about the experience so I can include it in my writeup (ditto for any members of Solidary HealthShare, or any of the other ministries for that matter). I can be reached at selfpaypatient@gmail.com


* “New” is something of a term of art here, given that some entities have partnered with older sharing ministries in order to provide members the benefit of being exempt from penalties for being uninsured under the Affordable Care Act.

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16 Responses to A new Catholic sharing ministry

  1. christen varley says:

    Solidarity HealthShare is operating under the certificate of Melita Christian Fellowship Hospital Aid Plan. This was made official on July 1st, their first month of full sharing operations. Solidarity HealthShare is an additional member of the National Coalition of Healthcare Sharing Ministries, of which Liberty HealthShare is also a member, but is its own independent sharing ministry.

  2. David Eibeck says:

    Another, “think like me or die” offering ?

    • Sean Parnell says:

      I’m afraid to ask, but what on earth are you talking about? It’s a voluntary association of like-minded individuals, agreeing to share one another’s medical bills. Where’s the problem?

  3. Bob Mounger says:

    The basic issue with both Solidarity & Liberty Healthshare is that they will not share costs related to a “Hazardous Hobby”. I just spoke to them & they say ham radio constitutes a “Hazardous Hobby”, due to the risk of working on a roof on an antenna. I didn’t even bother to ask them about bicycle tourism…

    • christen varley says:

      Bob, I work for the Coalition that administers the sharing for Solidarity. I will find out tomorrow who expressed this erroneous answer. I find it hard to believe this was a response received from our staff but again, will check tomorrow.

      We do decline to share in medical costs due to “Hazardous Hobby” injuries but again, this seems extreme. I’m curious though how often someone operating a ham radio is on the roof.

      • Bob Mounger says:

        Thanks for the reply.

        I have a 10′ pole strapped to my chimney with a 70′ wire that runs to a shed. The shed is maybe 15′ high & I get up on the shed roof to experiment with a box to improve transmission range maybe twice a year for an half-hour each time.

        This should probably be taken off-line for my specific questions, but it is vague enough that you might want to address it on your web pages in some detail for people who are considering Solidarity/Liberty.

        Thanks again.

        • christen varley says:

          I made the rounds of employees that handle incoming inquiries about membership in either Liberty or Solidarity and no one can recall having a conversation regarding ham radio operation as a dangerous hobby.

          Rest assured, going up on your roof a couple times a year for antennae maintenance is little different than going up to clean the gutters and is not deemed a hazardous hobby. Although please do be very cautious!

          We have no set policy as we assess every individual application. Dangerous hobbies are those that involve a regular activity that is extremely dangerous, where serious injury or death could occur. Think of things like sky diving, race car driving, speed boat racing, motocross, etc. If you go on a trip or cross off a one time bucket list item of an activity like this, any medical costs are not deemed ineligible. If you are out every week or so performing theses kinds of activities, we reserve the right to deem ineligible any associated medical costs.

          It is important to clarify to our employees the kinds of activities and the frequency as then they can best inform you. And always read the Sharing Guidelines of any ministry in which you are considering membership!

  4. Hello Sean, thank you for another great article about alternative ways of practicing medicine. As a member of Samaritans Ministries Android being outside the insurance system and I’m glad to see the Catholic sharing Ministry now available for that denomination. The health sharing Ministries are a great combination with direct Primary Care in private medicine by removing more of the control out of corporate and government sources and back into the hands of individuals and small groups. Have more and more people will realize the benefits I believe that we will see improvement in healthcare in the coming years. Again thanks from dr. Eric Potter.

  5. Jacki Oliver says:

    My husband is self employed and we are at the point where our health insurance premiums are approaching 25% of our income! Plus we have no eye care or no dental care so we are paying 100% out of pocket for those expenses as well as co-pays and so forth. This is just totally unaffordable for us. We are getting ready to apply at either Liberty or Solidarity. I am wondering if you have an opinion on which is better? We are Catholic but it seems like Liberty is bigger, hence more people paying in. Or are all of these smaller groups part of a larger group? I am a little confused about that. My insurance guy is trying to talk me out of this, but my mind is made up. We are fairly healthy for our age (59 and 60) and so we are trying to get by until we qualify for medicare. I have been reading only good things about these programs, so I am hopeful that this is a good option for us.

    • Jacki Oliver says:

      I forgot to add that last week when I went for blood work, my doctor actually recommended Liberty to me. He said they had a contract with them or something at one time and they are a good group. So the question remains. Liberty or Solidarity?

      • Kathie Ryan says:

        Last known, Liberty was well over 50k families; Solidarity is newer, but part of the coalition (along w/Liberty); where membership is in excess of over 80k, so the age of one over another shouldn’t be the deciding factor.

        • christen varley says:

          I work for the Coalition that administers both Liberty and Solidarity.

          Together, we are not quite 50K memberships. We will be soon – maybe tomorrow. As of tonight, that nearly 50K households represents over 100K souls!

          • Jacki Oliver says:

            We applied to Solidarity as we are Catholic, however, they would not accept me. They accepted my husband, but we ended up having to go somewhere else. Very disappointing as we really liked Solidarity and were looking forward to being members there. We were happy to0 because our doctor gave Liberty such a glowing review. Don’t know how things will work out with this other place as I didn’t have time to research them very much as we were in shock at being turned down.

          • Angie Medow says:

            I am glad to see these comments above. Before making the jump from traditional health insurance to Solidarity Healthshare for 2017 I did as much research as I could. Believe me there wasn’t much out there on reviews. We are happy that something like this is finally available to us and hope that it thrives and grows with many new members!

    • Sean Parnell says:

      No real preference for Liberty or Solidarity, the latter is newer and so the membership probably is lower at this point – my recollection is that Liberty is well past 10,000 at this point, don’t know what Solidarity is. Sorry I can’t offer more help.

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