Christian Health Insurance


With the current economic situation and the continued rise in medical costs, it seems as though everyone is looking for a better option for affordable health insurance. One of these options is Christian Health Insurance. The idea for Christian Health Insurance is simple. Families and individuals in search of health coverage pool their money together to pay the medical bills for those in need.


While cutting out the big insurance companies sounds like a great idea, the end result is usually the opposite. Yes, many Christian Health Insurance Plans cost MORE than just buying normal medical insurance.


For example, I am a 32-year-old male and a company like Medi-Share wants $108 a month premium for a $3750 deductible plan! My current plan is $2500 deductible plan an only $89.00 a month.


My best advice is to check on the Christian Health Insurance Plans and then get a Health Insurance Quote through all the major carriers.
Call 877-259-6186 to speak directly with an agent about your health insurance options.

Getting Your Employees' Attention Back to Work By Michael Christian

It is 9:00 am on a Monday morning. Do you know where your employees' attention is? Is it on work?

Picture this. You are at work. The phone rings. It is your aging father's neighbor calling to say that Dad is walking around outside in his pajamas and seems confused. You have a full day of meetings and deadlines. Your heart sinks as you try to figure out how to care for your dad and keep your job.

The phone rings again. This time it is the school nurse saying that your asthmatic child is having trouble breathing.

According to the American Productivity Audit, one-third of respondents said dependent health concerns were a top reason employees were not able to focus on their job while at work.

What you may not know is that the situations above can just as likely happen to a working woman as to a working man. However if a woman gets the troubling phone call, she is more likely to talk about it at work while the man will not (2003 National Alliance for Caregiving national survey).

Millions of working adults - men and women - are juggling the competing demands of caring for a chronically ill or disabled parent, raising a family, and managing a career.

Working caregivers sacrifice leisure time, and often suffer stress-related illnesses. Negative effects on working caregivers include time lost from work, lower productivity, quitting a job to provide care, lost career opportunities and lower future earnings. Eventually, some 16 percent quit their jobs to provide care full-time. Work disruptions due to employee caregiving responsibilities result in productivity losses of $1,142 per year per employee. According to the Washington Post, researchers estimate that the cost of informal caregiving in terms of lost productivity to U.S. businesses is $29 billion annually.

Caregiving Takes Work-Life Toll

A recent MetLife study dubbed "Juggling Act" revealed some of the productivity-killing adjustments that caregivers choose to make to their work schedules:

-84% make phone calls -69% arrive late or leave early -67% take time off during the workday -29% make up work at another time

In addition, a national survey conducted by the National Alliance for Caregiving in 1997 found that two in ten working caregivers turned down the opportunity to work on special projects; almost as many avoided work-related travel. Forty percent of the survey respondents said that caregiving affected their ability to advance in their jobs.

What Employers Can Do

Here are seven measures you can take to reduce employee stress, increase productivity and decrease lost work time due to employee caregiving responsibilities.

1.Offer "cafeteria style" employee benefits which allow employees to select supplemental dependent care coverage to reimburse costs for in-home care or adult day care. Benefits also should cover therapeutic counseling for employees to help cope with the stresses of caregiving. 2.Provide information on helpful Internet sites or resource centers. 3.Organize in-house caregiver support groups or coordinate with local community groups or hospitals so that employees can attend an outside support group. 4.One of the most critical benefits for an employee with caregiving responsibilities is time. Flexible work hours, family illness days, and leave time are key. Data from the Bureau of National Affairs (1993) found that flexible scheduling improved job performance, decreased lateness and employee turnover, and increased job satisfaction. 5.Companies with 50 or more employees must comply with the Family and Medical Leave Act (FMLA), which allows for up to 12 weeks of unpaid leave to care for a seriously ill parent, spouse or child, while protecting job security. Smaller firms can use the FMLA guidelines to provide support for individual employees. 6.Hold a company "caregiver fair" or a series of lunchtime seminars on issues such as health care planning before a crisis hits or coping skills for caregivers. 7.Offer private long-term care insurance coverage for employees, their spouses, and dependents.

Employers have a stake in designing responsive and effective programs to support their caregiving employees. Research has demonstrated that the cost to employers of lost productivity and other factors related to caregiving employees' difficulty in balancing work and family is high. Taking action immediately starts to increase productivity, lessen direct and indirect financial costs, and enhance employer/employee work/life relationship ' which directly impacts on employee morale, satisfaction and retention.

Michael Christian is the President of Patient Advocate Solutions (PAS). PAS provides healthcare navigation and insurance resolution for consumers, employers and healthcare providers. Contact him at (732) 564-9800 or www.pas-now.com


About the author: Michael Christian is the President of Patient Advocate Solutions (PAS). PAS provides healthcare navigation and insurance resolution for consumers, employers and healthcare providers. Contact him at (732) 564-9800 or www.pas-now.com

Author: Michael Christian
Christian Health Insurance - Good or Bad?
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How Much Money Do I Save with Christian Health Insurance?
Sadly, many "Christian Health Insurance" companies have very unchristian rates. One company wanted $104 for a plan that Blue Cross offered for $78.00.


We recommend checking all your options. First you should run a Health Insurance Quote.


HumanaOne has moved into the individual and family markets by offering fair rates and quality plan benefits. Humana is well known for its medicare policies and with the introduction of healthcare reform they see great growth potential. Currently, Humana Health Insurance is selling high numbers of family policies in Colorado, Georgia, Florida, and Texas. Call 877-305-9083 for a quote.


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