Always Open Season at CHM With Lauren Gajdek

Open Enrollment for healthcare plans kicks off on November 1st. Lauren Gajdek is here to talk about a great alternative way to meet your healthcare costs.. Lauren Gajdek is Vice President of Communications and Media at Christian Healthcare Ministries where they specialize in medical cost sharing, a different way to meet your healthcare needs. CHM has shared more than $8 billion dollars in members’ medical costs since its inception. OPEN ENROLLMENT Like last year, consumers will have an extra 30 days to review and choose health plans. The 2023 Open Enrollment Period begins November 1, and ends January 15, 2023, in most states. Coverage begins January 1. Open enrollment only happens once a year. Once it ends, you’re locked into your current programs until the next year. So it’s important to double-check the open enrollment dates with your employer or the program you want to join so you don’t miss your window of opportunity. There are a few exceptions to the time limits. You can sign up for financial programs outside of the open enrollment period if you have a major life change like marriage, divorce or becoming a parent. You’re also eligible for special enrollment if you’re a new hire. Learn more here. But if you miss your employer's open enrollment deadline, you could lose coverage for you and your loved ones. Missing this deadline also means that you could be unable to make changes or enroll in benefits until the next open enrollment period. NO ENROLLMENT SEASON WITH CHM However, with Christian Healthcare Ministries, there is no enrollment window. It’s always open season. Absolutely nothing you decide to go with Christian Healthcare Ministries, because we have open season all the time. On today’s program, Gajdek explains: - What the Christian cost-sharing model is and how it differs from healthcare insurance. - The pricing and tiers of cost-sharing with CHM - The signup process and what paperwork is involved in submitting medical bills for cost sharing. - The biblical basis for Christian cost sharing. - How Christian Healthcare Ministries works to support members spiritually as well as financially. To learn more about Chrisian Healthcare Ministries, visit CHMinistries.org or call 800-791-6225. On today’s program, Rob also answers listener questions: ● How do you evaluate the effectiveness of your financial adviser? ● Does closing unused credit accounts affect your credit score? RESOURCES MENTIONED: ● Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to [email protected]. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29