Welcome to the FAQ
For Specific Questions Call: (616)-226-2669
For Specific Questions Call: (616)-226-2669
Why does Christian Healthcare Centers exist?
One of the main reasons CHC exists is fulfill the biblical mandate for believers to care for one another. We do this by providing exceptional medical and wellness services to the Body of Christ.
Nearly everyone knows that American healthcare is broken. Patients are paying higher deductibles and co-payments, get less time with their physician and pay rising insurance premiums. Doctors are burdened with increasing amounts of paperwork, less time to spend with patients and more regulations that interfere with patient care.
Another important reason CHC exists is stewardship. God calls believers to be good managers of the resources He provides. This includes being stewards of our health, our finances and the gifts and abilities with which we have been equipped. Christian medical professionals are called to steward their medical skills and knowledge. Christian patients are called to steward their physical, spiritual and mental wellbeing. Everyone is called to be better stewards of limited financial resources. CHC was founded to provide the Body of Christ with an effective way to fulfill an important part of Christian stewardship.
A third driving force behind CHC is our commitment to deepening a greater sense of Christian community among the followers of Christ. We Christians need one another. We believe Christians must use our God-given gifts, abilities, professional expertise and resources to cause others to flourish, especially our brothers and sisters in Christ.
What makes Christian Healthcare Centers different from other health care organizations?
Christian Healthcare Centers provides its services through a model that is very different from the vast majority of medical practices in the United States. Here are some of the ways CHC is different:
Integrated Model of Care: Christian Healthcare Centers provides members with a combination of health-related services not found in most primary care physician practices. We employ a fully integrated, interdisciplinary patient care model that includes dedicated Christian physicians, nurse practitioners, physician assistants, chiropractors, nutrition and fitness coaching, counseling and pastoral care as a coordinated care team to assess, diagnose and provide the care that best restores or maintains the wellness of patients. CHC focuses on patient wellness, not disease management. CHC provides a comprehensive “one stop shop”
medical “home” for members, which provides a better continuity of care and greater convenience for members.
Insurance-Free: Christian Healthcare Centers does not participate with any insurance plan, which means there is no insurance company or government agency interfering with your health care decisions. It is just you and your doctor deciding what is best for you. Instead of paying high out-of-pocket fees or depending on insurance, patients pay a small monthly membership fee for their care.
God is the One who heals and brings wholeness to people, and He may choose to do so with or without a physician. CHC practitioners look to Christ as Redeemer to push back the effects of the Fall (sin) in sickness, disease, illness and injury through the use of their medical skills and expertise.
Quality Patient Care
Since CHC practitioners work for their patient, not an insurance company, their focus is providing the highest quality of patient care possible. Each practitioner is free to devote the time, effort and skill that best meets each patient’s needs. CHC practitioners are salaried employees so there is no financial incentive to perform unnecessary tests or procedures.
What is MemberCare?
MemberCare is the affordable membership program for individuals and families, seniors and college students that provides access to high quality primary healthcare services at a local Christian Healthcare Center.
Is there a sign up fee to join CHC?
At initial sign up there is a one-time administrative fee of $50 for an individual and $75 for a family, and a monthly membership fee as follows: Adult $80/month; $180/family (two adults and two children. $10/month for additional children); Senior (62+) $70/month; College student $30/month
Can I cancel my membership?
We anticipate having an open and honest relationship with you, therefore, if you consider cancelling your membership for any reason, we would desire a conversation. If you have a complaint that we cannot resolve together, you may cancel your membership with a 30-day written notice. If you feel the need to cancel your membership because of a financial hardship, please contact MemberCare Services and request information about our MemberCare
Assistance Program. We want to do everything we can to ensure continued access to MemberCare services.
Can I cancel my membership and reinstate it at a later time?
A membership cancelled within one year of enrollment can be reinstated within the original enrollment year upon payment of a $300 reinstatement fee. Reinstatement of a cancelled membership past one year from original enrollment will be processed as an original enrollment.
Can I enroll in MemberCare even if I currently receive treatment for an ongoing chronic disease such as cancer, diabetes, COPD or congestive heart failure?
Yes. CHC does not exclude pre-existing medical conditions.
If I have been diagnosed and treated for a chronic disease, will my MemberCare cost more?
The goal of MemberCare is to provide high quality, affordable care. To ensure that our services remain affordable, individuals that require frequent office visits and services may experience a slightly higher membership fee, however, the fee will be determined on a case-by-case basis that includes the nature of the medical condition, the services and frequency of treatment, and the member’s ability to pay.
Do members need appointments?
Services are provided by appointment. Usually we can schedule a member to see a provider on the same day they call or the next day. Urgent care needs are given priority.
What services are included in the monthly MemberCare fee?
CHC MemberCare services include a wide range of preventive care options, acute care, urgent care and management of chronic conditions. CHC’s patient care model is unique in that it includes primary care medical services, in-house counseling services and spiritual care. Members receive relaxed, extended office visits, and 24/7 access to providers. Among the services provided are:
a. Routine, acute and urgent care office visits
b. Medical management of chronic conditions (diabetes, high blood pressure,
thyroid disorders, high cholesterol, depression, etc.)
c Annual wellness assessment
d. Physical exams (well child, well woman/pap smears, school/sports
e. Medical education (e. g., diabetes/asthma/COPD self-care)
h. Counseling/pastoral care
i. Online, video and home visits whenever appropriate
j. Routine laboratory testing and many medications
Does CHC provide vaccinations and immunizations?
Routine vaccinations, immunizations and other injections are provided as part of MemberCare. Specialized, expensive vaccinations and immunizations are provided at CHC’s cost. You will be informed of any additional cost prior to the provision of vaccinations or immunizations.
Does CHC honor requests from members to forego vaccinations or immunizations?
There are differing opinions about the benefit or potential harm of vaccinations and immunizations. As a rule, CHC practitioners believe vaccinations and immunizations are more beneficial than harmful, however, we will respect the right of members to make their own healthcare decisions concerning vaccinations and immunizations. We also research the components of vaccinations and immunizations to ensure that there is no conflict with our sanctity of human life commitment.
Does CHC membership include prescription medications?
Many generic medications are dispensed through the Center as part of the MemberCare fee. Members whose medications are costly or not stocked at CHC may request assistance in securing prescription discounts from area
pharmacies with whom we have a relationship. Members without prescription insurance coverage and/or whose medication is expensive may request financial assistance from MemberCare Services.
Does MemberCare include laboratory tests?
CHC provides in-house laboratory services for routine blood and urine tests as part of the MemberCare fee. More extensive diagnostic tests will be provided at CHC cost or obtained from an affiliated laboratory at pre-negotiated reduced rates. You will be informed of the cost prior to the performance of any testing.
How do I pay for prescriptions or laboratory tests provided by CHC?
Any charges for prescriptions or laboratory tests will be added to your preferred method of payment or you can pay for them at the end of an office visit.
Are there any hidden fees, co-pays or other costs beyond the monthly MemberCare fee?
Since our goal is to help members control their out-of-pocket medical costs, there are no “co-pays” associated with routine MemberCare services. Prescription medications and laboratory testing will be provided at our cost, with all additional costs disclosed prior to the provision of those services.
What if I need to see a specialist or need services not provided by CHC?
CHC maintains a directory of preferred providers with whom we have negotiated preferred rates for our members. MemberCare does not pay the fees for services provided by non-CHC providers. These costs are the responsibility of the member, their insurance carrier or medical expense sharing cooperative such as Samaritan Ministries or MediShare.
Will my personal or medical information be shared with insurance carriers or government agencies?
Patient privacy is an important aspect of the CHC MemberCare model, therefore, we will never share your personal or medical information with any third party unless you request in writing that we do so or if CHC is subject to a subpoena or search warrant. Our electronic medical records system is not accessible to any insurance company or government agency.
What if I need medical attention and live a significant distance from a CHC clinic, am away from home or out-of-state?
If you experience a medical emergency that is serious and life-threatening, you should go to the nearest emergency facility or dial 9-1-1. In an age of smart
phones and other technology, many conditions can be diagnosed and treated via a simple conversation by phone or video call using a webcam, Facetime, Skype or Zoom. This is particularly convenient for elderly members, families with several small children or members with ambulatory difficulties. Whenever appropriate, we will strive to provide our services a manner most convenient for the member. Telephone, online or virtual visits are provided at no additional cost to members.
Do CHC providers make house calls?
Yes. There are occasions when an in-home visit is necessary. When appropriate, an appointment will be scheduled and a CHC clinician will travel to the member’s residence. In most cases, the cost of the visit is included with the MemberCare fee. Depending on distance and other factors, there may be an additional cost, which will be disclosed when the appointment is scheduled.
Is MemberCare insurance?
No. CHC is direct pay primary care. The monthly fee only pays for those services provided by CHC. The Center does NOT bill any insurance carrier for the medical services provided to patients, and MemberCare monthly fees are generally not reimbursable by any health insurance company, and may NOT be applied to any insurance plan deductible. You may request that your insurance carrier apply the membership fee, prescription medication or laboratory testing costs to your deductible as they might for services provided by any other out-of-network provider.
Does MemberCare meet the individual insurance requirements of the Affordable Care Act?
No. Since MemberCare is NOT insurance it does not satisfy the individual insurance mandate in the Affordable Care Act, which requires individuals to have minimal essential coverage for hospitalization, surgery or what is otherwise considered major medical coverage. We urge members to acquire coverage that satisfies the federal mandate and we can refer to insurance carriers that offer competitive premiums and to Christian agencies that offer low-cost alternatives to traditional medical insurance.
If I have medical insurance through my employer or obtained insurance individually, can I still enroll in MemberCare?
Absolutely. Most insured individuals and families still have a large deductible before their insurance begins to pay for medical expenses. Most people never meet their deductible amount in a given year. CHC exists to help people gain
control over their out-of-pocket medical expenses through its MemberCare program. For example, the average U.S. family of four spends $3500 annually for health care, with the majority of that cost associated with the kind of services CHC provides. MemberCare rates for families will provide the same care at an 20-40% cost savings per year.
What if I am on Medicare?
Christian Healthcare Centers has chosen to not participate in the Medicare program, therefore, we do not submit claims to Medicare for reimbursement. Medicare Part A is the hospitalization portion of Medicare and anyone over 65 has this coverage. Medicare Part B is an optional part of Medicare that covers the types of health care services provided in a physician’s office. MemberCare provides many of those same services. A person may enroll in MemberCare as a substitute for Medicare part B as long as they understand that fees paid to CHC are not reimbursable through their Part B plan.