Bible Based Financial Teaching, Training, Counseling 
And
Help With Major Medical Bills

Introduction Description of Services Eligibility Requirements Costs Guarantee and Refunds How To Apply Actual Case Studies

INTRODUCTION

Christian Financial Ministries is partnered with The Karis Group to help you reduce and repay your major medical bills. The Karis Group provides a safety net primarily for those who are un-insured or under-insured. Over the last seven years, The Karis Group has worked with large groups and thousands of individuals nationwide, to save millions of dollars. If you have a medical bill repayment need, The Karis Group may be able to help you.

Over 60 million people in the United States are either un-insured or under-insured. Many of these individuals and families are not able to take advantage of health insurance benefits for a variety of reasons including:

1. They are self-employed,
2. Their employer offers little or no health care benefits,
3. They are forced to opt out of employer benefits because of the high cost,
4. They are insured but can not afford the cost to insure the family,
5. They are part-time or non-salary and do not qualify for employer programs, and/or
6. They or family members have pre-existing medical conditions.

Even with discounts available on physician and other health care services, some people are still unable to pay their medical bills. Many will put off recommended treatments because they do not have the financial resources to pay the bills.

DESCRIPTION OF SERVICES

Through Christian Financial Ministries you can receive help with your major medical bills which are greater than $5000 at a single provider, all with a money back guarantee.

1. Determine whether or not you are likely to qualify for government or private entitlement programs (Medicaid, etc.),
2. Review the availability of third-party payors (insurance, etc.),
3. Determine whether funds are available through charitable programs,
4. Attempt to negotiate a settlement with the provider, and/or
5. Attempt to arrange a payment schedule that you and the provider will accept.

ELIGIBILITY REQUIREMENTS

1. You must be an existing counselee in good standing with Christian Financial Ministries, Inc.
2. Each bill referred for help must be equal to or greater than $5,000 at a single provider.
3. Counselee must otherwise be genuinely incapable of paying the bill(s) in question.

COSTS FOR SERVICES

The total cost of the program is $465 for each medical creditor with a balance of $5,000 or more. This cost does not vary with the amount you owe. This $465 program cost is payable by an up front fee and monthly installment payments:

1. $225 up front fee payable to Christian Financial Ministries, and
2. Six $40 monthly payments paid to Christian Financial Ministries.

GUARANTEE AND REFUNDS

We will refund to you any and all fees you paid for this service if we cannot arrange either a settlement that reflects at least a 20% reduction in the original principal of the bill(s) you submit, or a monthly repayment schedule in which the monthly payments are at least 20% less than your current repayment schedule. If you currently do not have a repayment schedule, we will guarantee to set one up for you.

APPLICATION PROCESS

1. Complete and mail or fax us the Help With Major Medical Bills Application Form.
2. One of our financial counselors will call and discuss with you your overall financial position.
3. Your financial counselor will approve your application if you meet the eligibility requirements and if you and your financial counselor mutually agree that these services are appropriate.
4. Your financial counselor will put you into direct contact with a Karis Group consultant.

ACTUAL CASE STUDIES

1. John owned his own construction company. Medical bills were the last things on his mind, and he had no insurance. But a symptom-free aneurysm burst, causing a stroke, a serious medical emergency. Following airlift to his local acute care hospital, it was decided that John needed care at a major regional center. Four weeks later the total bills showed as
   • MediFlight $9,000
   • First hospital $10,000+ for first 24 hours of care
   • Second hospital $20,000+ for following week of inpatient care
   • Rehab unit $17,000 for two weeks of rehabilitation
     
   At this point John was introduced to The Karis Group Advocacy services. He made too much money to be considered by Medicaid, and he had no resources set aside for such a medical catastrophe. His counselor discussed his situation with all four major providers. The results were as follows:
   • MediFlight agreed to settle for $600 paid as a lump sum
   • First hospital settled for $2,000 paid as a lump sum
   • Second hospital agreed to a 75% reduction in the bill, and the remaining $5,000 could be paid off with manageable monthly payments
   • The rehab unit also agreed to a 75% write off and manageable monthly payments

   Savings: Around $42,000 and the peace of mind on how to deal with the remaining balances.

2. Tom, a 20-year-old university student was injured in a motorcross accident. The family thought that he was covered through their insurance, but discovered to their horror that off-road motorbikes were specifically excluded. The ER room bills, with ambulance and MRI’s came to over $3000. Thankfully, Tim was found to be fine. But that still left $3000 in bills to pay. Normally, this family would have been able to cover such relatively small bills. But the family business had recently taken a serious hit, and cash was very short.
   
   The Karis counselor approached the hospital, the ambulance company and the doctors on this family’s behalf. The hospital was willing to see if the family’s current income would qualify them for a hospital charity program. Discovering that the hospital program was able to write off the family’s bills, the ambulance company agreed to do the same. The ER doctors agreed to a simple payment plan.

   Savings: Around $2500 and the dignity of a hard working family.

3. Baby Cleo was born with a congenital problem needing expensive injection therapy costing around $7000 in her first month of life. The family had been paying this off at the rate of $25 per week. Then they went to The Karis group. The Karis counselor negotiated with the clinic. As a result, the clinic agreed to write off $25 for every $25 payment until the debt was cleared.

   Savings: $3500 of the $7000 total

4. Nancy, an immigrant from Vietnam, had her mother visiting her for a few weeks. Unfortunately, while the mother was here, she needed a brief hospital treatment costing around $3,000. The hospital was chasing Nancy to pay these bills within six months. Nancy could not afford this payment plan.
   
   Enter The Karis group. After negotiations, the hospital only agreed to a 10% reduction. But the Karis counselor was also able to help Nancy and her family find a way to raise the balance through friends and family members, and so the bills were paid off very quickly.

   Savings: $300 and six months of aggravation.

5. Shelly came to The Karis Group with $26,000 in old hospital bills that she was not able to pay. The Karis counselor was able to help Shelly and her family to raise $13,000, which the hospital agreed to accept as full and final payment of her bills.

   Savings: $13,000