Frequently Asked Questions

What is supplemental health insurance?

Think of supplemental insurance as “insurance for your insurance.” Supplemental health insurance helps pay for covered accidents and critical illnesses that your regular health insurance plan might not cover due to a high medical deductible.

Can I buy a HealthValues membership if I’m on Medicare or Medicaid?

Yes. Just know the insurance benefits are reduced by 50% at the age of 65, and the insurance policy terminates at the age of 70.

Does supplemental health insurance cover run-of-the-mill expenses?

Definitely! The most common accidents happen at home, like tripping, falling, burns, falling objects and more. You never know when the unexpected might strike. And, HealthValues membership includes a lot of money-saving non-insurance benefits that you can use every day. (Like free doctor consultations.)

Does HealthValues sell individual health insurance?

No. HealthValues only provides access to supplemental insurance that enhances current individual coverage, and non-insurance health benefits.

Are you required to have individual health insurance to buy a HealthValues membership?

No. While everyone is encouraged to carry their own health insurance plan, you are not required to have individual insurance when signing up for HealthValues. However, membership is not a replacement for individual health insurance coverage.

Is HealthValues a Christian health care ministry?

No. HealthValues is not associated with any Christian health care ministries, nor are benefits structured like a Christian health care ministry.

Is HealthValues an insurance company?

No. HealthValues is not a health insurance company, but rather, an affiliate of Communicating for America, Inc., an accredited business with the Better Business Bureau.

What do I get with a HealthValues membership?

Membership in HealthValues includes money-saving health care benefits and/or a supplemental insurance policy. Benefits start with a discount-only program that offers free doctor consultations and discount health care services listed below. The higher level tiers of membership include a $2,500 or $5,000 supplemental insurance policy for accident or critical illness, plus access the free doctor consultations, discount imagery, a patient advocacy service, pricing and health outcome ratings of doctors, and medical bill negotiation advice from a health care attorney.

How much does a HealthValues membership cost?

Membership levels vary based on individual and family memberships. A supplemental insurance policy is included along with non-insurance benefits in each membership, so packages range from $9.99 to $69.99 each month, depending on the level of benefits you select and whether it is for one individual or a family.

Does the cost of a family membership only cover my spouse and a couple of children?

No! A family membership includes the primary member, their spouse, and every child in your household. (Our website only has eight fields for children’s names, so if you have more than eight children, just give us a call and we’ll get them all signed up.) The Saver plan, which is only $9.99 each month, is available at the same price for both individuals and families.

Can I just buy the non-insurance benefits for a lower price?

Yes! You can just buy the non-insurance benefits for $9.99 per month. This membership includes free doctor consultations, discount imagery, a patient advocacy service, pricing and health outcome ratings of doctors, and medical bill negotiation advice from a health care attorney.

Do I have to be Christian to join?

HealthValues is built on Christian values, by health care advocates who want to help other Christians save on their health care costs and become wiser about how they spend their health care dollars. Identifying as a Christian is not a requirement for enrolling in HealthValues, but we want all members to understand HealthValues operates on Christian principles.

Is my membership tax deductible?

No, HealthValues is not a tax-exempt organization.

What carrier underwrites the supplemental insurance product?

Madison National Life Insurance Company a Wisconsin insurance company, underwrites the supplemental health insurance policy. Madison National Life is a member of The IHC Group. See the Join page for full disclosures.

Where is HealthValues available?

Memberships are currently available in 33 states that include: Alabama, Arizona, Arkansas, California, Colorado,  Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri,  Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Oklahoma, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, West Virginia, Wisconsin, and Wyoming.

What’s the fine print on a HealthValues membership?

With the purchase of a HealthValues membership package, individuals and families are automatically enrolled in HealthValues, LLC. HealthValues membership dues are included in the price of the HealthValues membership package, and no additional dues will ever be collected, outside of a one-time set-up fee of $15, collected during registration. Benefits are offered at the sole discretion of HealthValues and may vary by vendor or state of residence. Insurance benefits terminate on the date the covered person attains age 70. Non-insurance benefits continue until member cancels benefits. As with all insurance policies, exclusions and limitations apply. See plan details to find out more information.

What if i want to cancel my membership?

You can cancel at any time. Just call 888-635-0292 to cancel your HealthValues membership or email memberservices@healthvalues.org. Upon cancellation, you will not have access to cost-saving benefits, nor will you be able to file a supplemental insurance claim.

HealthValues is an organization helping Christians become wiser with money, create collective buying power and advocate for smarter health care solutions.