Christian Healthcare Ministries October 2017

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2Christian Healthcare Ministries October 2017A Look Inside My Heart by Rev. Dr. Howard S. RussellWhat’s on my heart doesn’t need to beon your mindWhat’s on my heart doesn’t needto be on your mind. Or, what’son my mind is something aboutwhich you don’t need to think.So, that explains that.Rev. Dr. Howard S. RussellPresident and CEO,Christian HealthcareMinistriesChristian HealthcareMinistries is a Biblebased, voluntary medicalcost sharing ministryfulfilling the commandof Galatians 6:2, thatChristians carry eachother’s burdens.President & CEO: Rev. Dr.Howard S. RussellVice President,Administration: Ryan McGrawVice President, ProgramServices: Rich BochartEditor: Lauren GajdekAssistant Editor: KatlynStrykerWeb Editor: Carolyn AlexanderGraphic Design: Erik GibsonContributors: Rev. HowardRussell, Dr. Michael Jacobson,George Korda, Lauren Gajdek,Katlyn Stryker, Rosie Kabellar,Carasella Mancari127 Hazelwood Ave.Barberton, Ohio 44203Phone: 330-848-1511Fax: healthcareministriesinfo@chministries.orgWhat’s on my heart, and whatdoesn’t need to be on yourmind, is health insurance openenrollment.Many new members have joinedChristian Healthcare Ministriessince the close of the last openenrollment period. That meansyou’re coming up on the firstopen enrollment period sincebecoming a CHM member.Open enrollment for 2018begins Nov. 1 and ends Dec. 15,2017.There may naturally bequestions about what you’resupposed to do during openenrollment under the AffordableCare Act to report your healthcost support status to the federalgovernment.Here’s the answer: nothing.Really. Nothing.As a member of a voluntaryhealth cost sharing ministryyou are only required to reportyour membership when youfile your taxes, in this case, inApril 2018. To accomplish this,most members will need to fillout IRS Form 8965, “HealthCoverage Exemptions,” andattach it to your 1040, 1040A,or 1040EZ.This is true whether you fillare members of our ministry.out your taxes yourself, haveApart from that, under thethem prepared by others, or uselaw no additional reporting istax preparation software. Therequired. Indeed, to report CHMprocess is the same. For example, membership as “insurance”would actually be incorrect, aslast year a member using Turboit is a voluntaryTax mistakenlyhealth cost sharinglisted that they“There may naturallyministryand nothad insurance.be questions about whathealthinsurance.You don’t wantyou’re supposed to doto do thatduring [health insurance]If you havewith whateveropen enrollment.Here’s questions,method youthe answer: nothing.please contactuse to prepareReally.Nothing.”our Ministryyour taxes. ItInformationwill only createDepartment atconfusion.800-791-6225. Thank you verymuch.But back to open enrollment.Regardless of what anyone says,Sincerely,there’s nothing you need to doduring open enrollment.Rev. Dr. Howard RussellPresident & CEO, ChristianThere’s no guarantee yourHealthcare Ministriesemployer knows this. Youremployer may think they haveLet’s review. Your responsibilitya requirement to get theiremployees who don’t have health during open enrollment is toreport nothing and to fill outinsurance to report something.nothing. That chore comes at taxThat’s not correct, but theytime, and as soon as tax seasonmight believe so, nevertheless.begins we’ll share right awaywhat you need to do.If that’s the case, please showthem this:We hope you find this helpful.Thank you for being a CHMDear Sir/Madam:member, and we’re grateful thatyou are allowing us to serve you,Your employee is a member offellow members of the Body ofChristian Healthcare Ministries,Christ.an eligible option under theAffordable Care Act. As such, yourThat’s what’s always on myemployee has legally valid healthmind, and in my heart.cost support other than healthinsurance.Your employee must report tothe IRS on Form 8965 that they

Christian Healthcare Ministries October 20173When providers say this, they may really mean thisBy member Rhonda Barfield, St. Charles, Mo.“CHM monthly gifts have increased onlyonce in 17 years,” explains an article in theJuly newsletter. “In 2016, all medical billsCHM shared were discounted an overall41 percent by healthcare providers. Everydiscount you obtain helps you and everyother member.”*No wonder it’s important for all membersto try to get discounts on ourbills! And happily, it’s oftenpainless to call healthcareproviders and work outdetails—even more so if weknow how to respond to theirphone representatives whenthey use specific phrases.For example:When they say: “We can offer you a 30percent discount.”They may really mean: “We’re hopingyou’ll take our offer, but we may be willingto go with an even higher discount.”This happened to me when I was handlingmy husband’s bills for an ongoing prostateissue. Earlier this year Michael visited theemergency room twice. The first time, theER doctor’s billing company offered mea 40 percent discount. The second time,I spoke with a woman named Carla, whoconfidentlyproposed 30percent. Iresponded,“When Icalled in May,Cassandra waskind enoughto offer me40 percent.Would yoube willing to match that discount on thesecond visit?” Carla checked her recordsand soon replied, “Sure.”When they say:“You have to pay the bill—in full and in 14 days—to qualify for thediscount.”They may really mean: “What I’m tellingyou follows standard procedure, but thismay be negotiable.”I once spoke to a provider’s representativewho said I could get a 30 percent discountif paid in full within a couple of weeks.I then contacted the CHM MemberAdvocate department and asked if the billcould be shared within this timeframe.**While they were checking, I contactedthe provider again about another issue. Adifferent representative said we could stillhave the 30 percent discount even if ittook some time to pay it.When they say: “Your monthly paymentswill be 762.45.”They may really mean: “ 762.45 will paythe bill in full in six months, so that’s whatSee “When providers say this” page 13Making the choice to rejoice: encouragement for thosewho struggle with cancer (or anything else)By Dreama Whitlow, CHM staff member and breast cancer survivorWhen in 2015 I found a suspicious lumpin my breast, I knew I had a choice tomake even before I received my cancerdiagnosis. I had come to a fork in the roadin my relationshipwith God: Icould accept thepath ahead andlearn from it orfeel dejected andunloved becauseGod had allowedthis trial in mylife.How we respond to difficult circumstancesin this journey called life greatlyimpacts our faith, our personal growthand ultimately our relationship withGod. When we are faced withsuch situations as divorce,unemployment, illness, familycrises, or the death of a loved one,we often ask, “Why?” or “Whyme?”Human nature and emotionscan dictate our responses to life’schallenges and tragedies. It’snormal to question, struggle,grieve and feelweak in our faithwhen we simplydon’t understand why thesethings are happening to us, especially whenwe’re trying to form and maintain a deeprelationship with God.We want to believe that if we are tryingto live for Christ, we’ll have abundantblessings and will never face difficult times.But the Word of God says differently. InSee “The choice to rejoice,” page 14

4Christian Healthcare Ministries October 2017Healthwatch - promoting biblical health and wellness by Dr. Michael Jacobson, D.O.The Cleaving Diet (part 1) Dr. Michael D. Jacobson. Do not reproduce this article without permission.Dear members,Dr. MichaelJacobson, D.O.Medical DirectorChristian HealthcareMinistries127 Hazelwood Ave.Barberton, OH 44203Phone: 330-848-1511Fax: 330-848-4322Email:doc@chministries.org(Please allow oneto two weeks for aresponse.This serviceisn’t intended for acuteproblems or to replacethe advice of yourphysician.)Health educationresources at:chministries.org/healthinfoIn over 22 years with CHM, thisis the only time I’ve posted a fullcolumn by one of our members.I’m doing so because I particularlyappreciate how this memberallowed God to use a physicalproblem to direct him to spiritualtruths—and experienced bothphysical and spiritual success as aresult. Enjoy! –Dr. JacobsonThe Cleaving DietBy Jack Helser, Sequim, Wash.The year 1988 was the first time Ilost 100 pounds. I’d dieted beforeand lost as much as 40 poundsbut this was the big one—thediet to end all diets. Reachingmy ideal weight, according toa medically accepted height toweight table, took 10 months ona pre-packaged meal plan withrigorous daily exercise. Naturally,when I reached my goal weight,friends and family were thrilledand wanted to celebrate mysuccess with a festive meal.After that I slipped a bit here andthere, all the while reassuringmyself I could balance out thepounds gained by cutting back“next week.” But “next week”never came. A year later, I hadregained all the weight I’d lost,and then some. Complimentsceased and my self-esteem nosedived.When finally I was diagnosedwith hypothyroidism, I hopedit would be the solution tomy obesity. Sadly, the poundsso easily gained with a slowmetabolism didn’t come offwhen I began taking thyroidmedication. At least I had moreenergy and my frequent boutswith lightheadedness (caused byvery low blood pressure and aslow heart rate) subsided.After several more diets endedin failure, it was very difficultto work up the courage to tryonce more. When finally I did,I chose a low carbohydrate dietbecause similar plans had workedbefore and were easy to follow.Once more I set out to reach mygoal weight, which was now 150pounds away. My wife, Karen,dieted with me, opting insteadto follow a low-calorie, low-fatdiet. Together we lost more than100 pounds over eight monthsof dieting with regular exercise.We felt better about ourselvesand were encouraged by thecompliments of doctor, family,and friends.Then, without warning, Iwas struck down with severeabdominal pain and landedin the hospital for emergencysurgery to remove a gangrenous,grapefruit-sized gallbladder.One doctor laughed at me andjeered that my diet of choicehad led to the destruction ofmy gallbladder. My self-esteemand confidence tanked in theyear following the surgeries. Istruggled in vain to keep theweight off while learning whatI could safely eat without agallbladder. Unceremoniouslydumped back where I’d started, Igave up. “There’s just no beatingmy weight problem,” I decided.One day after a long period offailure and a frank discussionwith my beloved, I slumped onthe edge of the bed, numblystaring at the floor. I heard theFather speak. His was such asimple word of instruction thatI would never have thoughtof it. He said, “Share a singleplate.” A host of benefitsand possibilities flooded mymind. When my wife came into prepare for bed, I was stillhurting from our conversationearlier and cautiously shared theword with her. Karen receivedit with joy and replied, “It is theLord.”Our very next meal she prepareda single plate and we ate face toface over the corner of our diningroom table. It took us twice aslong to eat half as much, all thewhile talking and listening toeach other. Just like that, eatinga meal became an intimate andfun activity done together withjoy and laughter. “Look at thatcherry tomato—you love those,”I said, and rolled it across theplate to my wife. “You loveradishes,” she said, and pushedthem with her fork toward myside of the plate.One night after finishing someleftovers, we prepared separatesalad-sized plates. I had a fourounce bratwurst and my wifehad a four-ounce steak. As wesat down to eat, the Holy Spiritspoke to me, saying “Tradeplates. Feed each other.”Next month: Part 2 of “TheCleaving Diet”

Christian Healthcare Ministries October 20175Different strokes for different folks, but one “family”to lift the burden By Lisa Turner and Connie ScottLisa Turner, Mt. Juliet, Tenn.At the same time that God told myhusband, “Be still and watch me work,” Iwas in the midst of incurring more than 245,000 in medical expenses. Yet, evenin the midst of mounting medical bills,God clearly stated that He had alreadybegun meeting our needs—financially andspiritually—several months earlier whenour family of three joined CHM.His provision began in January 2015 whenI was preparing for retirement and seekingan affordable answer toour family’s healthcareneeds. He led us toChristian HealthcareMinistries and wejoined the Goldprogram that February.In March I beganworking out threetimes a week. I hadalways been extremelyhealthy, and even at age 57 I was rarelysick. Retirement gave me more time tomaintain my health.When October came, however, I developeda severe case of shingles on the upperright quadrant of my face. Ten days laterI experienced acute light sensitivity thatruled out driving until Thanksgiving. AfterChristmas, I had a small stroke and wasadmitted to the hospital for testing.The doctors diagnosed me with a conditionthat is most commonly found in womenwho are 40 to 60 years old. Before beingreleased from the hospital, I was instructedto take a low-dose aspirin every day.My symptoms seemed to dissipate byfollowing the doctor’s daily prescription,so I felt comfortable visiting a friend inCalifornia in Feb. 2016. While traveling,however, I began having mild strokesymptoms and made a trip to the hospitalfor a second round of testing.The results revealed that I had sufferedthree small strokes in the week leadingup to my hospital visit. I returned homeand sought answers from a hospital innearby Nashville. It didn’t make sensethat I continued having strokes while onmedication, and we hoped they couldprovide a solution.God worked His plan throughout ourordeal and always at just the right time andplace, but the bottom line is this: God wastrue to His word, and health cost sharingtruly is the way He intended His childrento care for one another. As a result, I wasable to get the care I needed and am doingmuch better today.Thank you, CHM family, for how youserve the Lord in this beautiful way!Connie Scott, Monroe, La.The center diagnosed me with Moyamoyasyndrome (a fairly rare conditionthat usually affects Asians orchildren around age seven; itcauses a narrowing of the brain’sblood vessels). Because I didn’tmatch the description of a typicalMoyamoya patient, my doctorsuspected that my bout withshingles caused the disruption inmy blood vessels.The CHM family recently shared medicalexpenses for my husband and me. Bothincidents were sudden and unexpected.I underwent an arterial bypasssurgery and the medical bills piled upbefore our eyes. We were unsure howour bills would be paid. That’s when theLord spoke tomy husband andredirected our eyes:first to Him andthen to our CHMfamily.However, on my lunch break it becameclear that this was more of a problem thanI first thought. As I drove to pick up somefood, the pain suddenly shot through myshoulder and up to the back ofmy head.Following CHM’sadvice, we askedfor bill discounts.We were astonishedto receive over 150,000 off our bills! We submitted theremaining 96,000 to CHM for membersto share and they did—every penny.I could go on for a long time about howIn summer 2016 our family was excitedlypreparing for our 25-year-old daughter’swedding. It was two weeks before thebig day and I was driving to work whena sharp pain filled my right shoulder.Though it throbbed for most of themorning, I didn’t think too much of it.In an instant, my face and armwent numb.I sat at a red light, unsure ofwhat to do next and prayingGod would enable me to driveto the strip mall just ahead.God answered my prayer andI called my husband as soon as I parked.Thankfully, he works nearby and arrivedwithin a few minutes.See “Different strokes,” page 14

6Christian Healthcare Ministries October 2017Member attests to God’s goodness even whentragedy strikes By MaryAnn Fiorillo, Moscow, IdahoMy husband, Jonathan, is self-employedand for years we went without anyhealthcare cost provision. When in 2013we heard about CHM, we thought it toogood to be true. Originally we signed upfor the Bronze program, but eventually Irealized the Gold level was best.We wanted to have another child.In late 2014 we were thrilled to learn wewere expecting our fourth child, Siloam.Though our third child, Nathan, was bornpremature and spent 14 days in the NICU,I didn’t expect complications this time.Nathan had been fine after his release fromthe hospital.high cost of treatment; the ministry wouldAt my 20-week ultrasound for Siloam,the technician noticed that it appearedshare my maternity bills and help us find agovernment program toour baby’s stomach wasmissing. A few weeks“At my 20-week ultrasound assist with the expensivelater a second ultrasoundfor Siloam, the technician treatment Siloam wouldneed during and afterconfirmed that she had rarenoticed that it appearedcondition called esophagealher birth.*our baby’s stomach wasatresia.missing.[We learned that] I was comforted by herat four weeks gestation,sweet spirit and thatAt four weeks gestationheresophagus had nevershe said ministry staffher esophagus had neverformed.”formed and thereforeand members would bepraying for our family.couldn’t connect to herstomach.On July 18, 2015, Siloam was born eightGreatly distressed and anxious, I calledweeks early via an emergency C-sectionCHM for advice. A kind staff member said after a full placental abruption (a seriousnot to worry about theSee “Fiorillo testimony,” page 15Know your CHM “ABCs”to bring a friend, earn afree month and maybeeven share the GospelLast month’s article by ministry CEO Rev. Dr. HowardRussell (see chministries.org/newsletter) discussed using thegood news of CHM to share the Good News of the Gospel.Explaining CHM to family and friends, Rev. Russell wrote,often opens a door to telling them about Jesus’ life, deathand resurrection.Before you transition to sharing the Gospel, however, youmight find it helpful to know how to start the conversationby explaining what the ministry is and does. A simple way isto use the “ABCs of CHM”:Affordable: Monthly financial gifts under CHM’s threeprograms range from 45 to 150 for individuals, cappedSee “ABCs of CHM,” page 17

All the believers were one in heart and mind. Noone claimed that any of his possessions was hisown, but they shared everything they had.Therewere no needy persons among them. Acts 4:32, 34aPrayer Page7Christian Healthcare MinistriesOctober 2017What is thePrayer Page?The Prayer Page is anadditional means bywhich CHM membershelp other Christians.The medical needslisted on these pagesare ongoing bills frompre-existing conditions,which do not qualifyfor sharing throughthe regular CHMprogram. (They are notbills incurred beforemembersjoined CHM.)Giving to needslisted on these pagesis not your CHMmonthly gift. It is anopportunity to giveover and above yourgift amount. We urgeyou to send cards ofencouragement evenif you are unable tocontribute financially.Guidelines Z and AA(chministries.org/guidelines) containcomplete information.See the sidebars onpages 8-9 for more infoon how to give.Christian HealthcareMinistriesPrayer Page127 Hazelwood AveAttn: Prayer PageBarberton, OH 44203Phone: 330-848-1511(ask for the PrayerPage)Fax: 330-798-6105chministries.orgE-mail: prayerpage@chministries.orgHill Rd., Fleetwood, PA 19522Condition: nasal polyp removal.Total bills: 13,002. Donations: 1,681. Add-on bills: 296.Remaining: 11,617.7. Addi Bennett: PO Box 374,Kersey, CO 80644 (msb332@yahoo.com) Condition: heart1. Robert Aldrine: 2691 Maya Way,ablation. Total bills: 12,321.Montrose, CO 81401 Condition:Donations: 57,020. Add-onhernia repair. Total bills: 21,517.bills: 58,797. Remaining:Donations: 18,357. Remaining: 14,098. 3,160.8. Robert Bentley: 135022. Vernon Alexander: 570 ChurchGainesway Dr., Cypress, TXSt. E., Apt. 306, Brentwood,77429 (bben214@sbcglobal.net)TN 37027 Condition: testingCondition: ankle replacement.for esophageal cancer. Total bills:Total bills: 6,348. Donations: 2,847. Donations: 372. Add-on 3,026. Add-on bills: 1,342.bills: 1,418. Remaining: 3,893.Remaining: 4,664.3. Deborah Anderson: 3871 N9. Randal Bland: 3540 S 251Esquire Pl., Indianapolis, INRd., El Dorado Springs, MO46226 Condition: diabetes.64744 Condition: osteoarthritis.Total bills: 11,809. Donations:Total bills: 30,506. Donations: 5,279. Remaining: 6,530. 23,162. Remaining: 7,344.4. John Ashmore: 665 Blue10. Destaney Bohlender: 19461Grouse Rd., Helena, MT 59602CR 46, Lasalle, CO 80645Condition: hip replacement. TotalCondition: hip surgery. Total bills:bills: 7,614. Donations: 4,336. 45,649.Add-on bills: 1,314. Remaining: 11. Thomas Bolyard: 2646 4,592.Farmlake Lane, Fort Mill, SC5. Leslie Ayres: 10607 W Deanne29708 Condition: diabetes/footDr., Sun City, AZ 85351surgery. Total bills: 46,473.Condition: heart attack. Total bills:Donations: 16,567. Remaining: 23,249. Donations: 12,584. 29,906.Remaining: 10,665.12. Michael Born: 628 Aviator6. Philip Baker: 1331 PleasantDr., Fort Worth, TX 76179Condition: scar tissuesurgery. Total bills:Prayer Page Giving 4,482. Donations: 1,163. Remaining: 3,319.13. BettyBrandenberger:22505 Ward Rd.,Woodburn, INEach need would be met in full if each46797 Condition:member family contributedhip replacement. 13.16 this month or 4.39 for the next Total bills: 20,630.three months.Donations: 9,403.These amounts are suggestions; pleaseRemaining: 11,227.14. Nathan Brower:consider giving today.Please do not send financial giftsdirectly to the people listed below.Giving should be sent via the CHMoffice (see page 8 sidebar). Addressesare provided below if you wishto send cards, letters or emails ofencouragement.Prayer Page total needsremaining this month: 1,872,16311690 Highland ColonyDr., Roswell, GA 30075(tamarabrower@gmail.com)Condition: surgery for pectusexcavatum (congenital condition).Total bills: 63,779. Donations: 57,477. Remaining: 6,302.15. Beau & Lee Brown: 6415Joliet Ave., Lubbock, TX 79413(brown beau@hotmail.com)Condition: The Browns’ youngdaughter, Claire, suffered from abrain dural ateriovenous fistula(abnormal connection betweenan artery and a vein). Total bills: 7,665. Donations: 4,243. Addon bills: 17,716. Remaining: 21,138.16. Laurie Brown: 15070 Mt.Eaton St. SW, Navarre, OH44662 Condition: heart bypass/valve repair. Total bills: 4,852.Donations: 23,543. Add-onbills: 51,307. Remaining: 32,616.17. Kathleen Brubaker: 110079SE 50th Ave., Sawyer, KS 67134Condition: granulomatosis(inflammation disorder). Totalbills: 6,594. Donations: 2,403.Remaining: 4,191.18. Scott Bruns: 1009 MartinRd., Wheelersburg, OH45694 (scott@sciotohills.com)Condition: knee replacement.Total bills: 39,084.19. Donald Churchill: PO Box1061, Haines, AK 99827(churchilljr@gmail.com)Condition: heart condition. Totalbills: 9,269. Donations: 5,726.Remaining: 3,543.20. Aubrey Coffey: 17 Floyd Ave.,Poquoson, VA 23662 Condition:arthritis/knee surgery. Totalbills: 6,150. Donations: 795.Remaining: 5,355.21. Valerie Craft: 116 GregoryRd., Conroe, TX 77304Condition: cerebral aneurysm.Continued on page 8

8Prayer Page October 2017Who can give?All readers are invitedto give to Prayer Pageneeds (above regularmonthly gifts) as theyfeel led.All giving is voluntary;there is no obligationto give to Prayer Pageneeds to remain aCHM member.How muchshould I give?Give however muchyou feel led to give.See the “Prayer PageGiving” box on page 7for suggestions.How do Isend my gift?You can send financialgifts for the PrayerPage directly to theCHM office. Theadvantages of sendingdonations in thismanner are that theyare tax deductible andthe paying down ofmedical bills is trackedwithout additionalreporting burdenson the Prayer Pagerecipients.Please make yourcheck out to CHMand write “PrayerPage” on the memoline. If you would liketo specify a recipient,please also write theirname on your check.Prayer Page needs areshared until they arepaid in full (as longContinued on the page9 sidebarAnd the prayer offered in faith will make the sick person well; the Lord will raise hiTotal bills: 39,651. Donations: 36,486. Add-on bills: 2,078.Remaining: 5,243.22. Martin Dale: 20802 LouettaOak Dr., Spring, TX 77388Condition: hip replacement.Total bills: 668. Donations: 1,422. Add-on bills: 5,641.Remaining: 4,887.23. Vicki Daniels: 19211 328thAve., Isle, MN 56342 Condition:hip replacement. Total bills: 20,218. Donations: 12,228.Discounts: 52. Add-on bills: 7,559. Remaining: 15,498.24. Marsha Davis: 285 SandraLane, Cleveland, GA 30528Condition: foot infection/surgery.Total bills: 32,736. Donations: 25,947. Remaining: 6,789.25. Patrice Davis: 15 RotherdaleRd., Brewer, ME 04412Condition: breast cancer. Totalbills: 9,422. Donations: 6,501.Discounts: 5,000. Add-on bills: 8,686. Remaining: 6,607.26. Joseph Driscoll: PO Box5403, Abilene, TX 79608Condition: hiatal hernia surgery.Total bills: 7,308. Donations: 12,221. Add-on bills: 7,440.Remaining: 2,527.27. Doris Duncan: 5026 MayfairRd., North Canton, OH 44720Condition: knee replacement.Total bills: 32,596. Donations: 26,480. Remaining: 6,116.28. Sam Emmerling: 1613Northline, North Little Rock,AR 72116 Condition: spinalstenosis. Total bills: 28,277.Donations: 14,786. Remaining: 13,491.29. Ricky Ferrari: 9 2nd St.SE, Crosby, MN 56441(dollyandrick@charter.net)Condition: heart attack. Totalbills: 92,989. Donations: 44,766. Add-on bills: 22,315.Remaining: 70,538.30. Tommy Fraley: 604 James,Sweetwater, TX 79556Condition: prostate cancer.Total bills: 7,128. Donations: 2,634. Add-on bills: 7,303.Remaining: 11,797.31. Peter Garcia: 150 Gill Ln.,Stockbridge, GA 30281Condition: knee surgery. Totalbills: 5,668. Donations: 733.Remaining: 4,935.32. Karen Garibay: 300 ModeneAve., Waxahachie, TX 75165(hachie17@sbcglobal.net)Condition: heart attack/triplebypass surgery. Total bills: 141,187. Donations: 104,627.Discounts: 16,187. Remaining: 20,372.33. Mark Gasster: 1048 LorraineDr., Napa, CA 94558 Condition:epilepsy. Total bills: 11,682.Donations: 58,236. Add-onbills: 60,178. Remaining: 13,624.34. Michaela Glafke: 1311Richards St., Apt. B, Lafayette,IN 47904 Condition:endometriosis surgery. Total bills: 29,007. Donations: 3,775.Remaining: 25,232.35. Natalya Goncharova: POBox 4387, Spanaway, WA98387 (kleinrd@earthlink.net) Condition: carotid tumorsurgeries. Total bills: 13,749.Donations: 40,270. Add-onbills: 32,093. Remaining: 5,572.36. Alexander & Yelena Gorash:2703 112th Ave E., Edgewood,WA 98372 Condition: TheGorashes’ teenage daughter,Deanna, had breathing problemsand underwent nasal surgery.Total bills: 10,821. Donations: 4,722. Remaining: 6,099.37. Nicholas Gore: 172 CrestviewDr., High Point, NC 27265Condition: removal of benignmass. Total bills: 4,676.Donations: 1,096. Remaining: 3,580.38. Beth Grimm: 428 E. OrangeSt., Lancaster, PA 17602(bethgrimm428@gmail.com)Condition: herniated disc. Totalbills: 15,872. Donations: 35,351. Add-on bills: 27,353.Remaining: 7,874.39. Darcie Gudger: PO Box 2761,Mills, WY 82644 Condition:hysterectomy. Total bills: 6,208.Donations: 828. Remaining: 5,380.40. Larry Hackley: 763 WaughChapel Rd., Odenton, MD21113 (heyblue63@yahoo.com) Condition: defibrillatorreplacement. Total bills: 21,188.Donations: 15,075. Remaining: 6,113.41. Scot Hall: 1908 W Jarvis Ct.,Meridian, ID 83642 (scotlhall@gmail.com) Condition: cataractsurgery. Total bills: 2,324.42. William Hankins: PO Box3261, Seward, AK 99664(inalaska73@hotmail.com)Condition: knee replacement.Total bills: 11,699. Donations: 2,746. Remaining: 8,953.43. Sherry Hatcher: 918 BentleBranch Ln., Cedar Hill, TX75104 (shcedarhill@aol.com)Condition: spinal fusion surgery.Total bills: 56,781. Donations: 18,876. Remaining: 37,905.44. Julie Heaston: 4128 West300 S, Huntington, IN 46750Condition: bone cancer. Totalbills: 11,582. Donations: 7,450. Add-on bills: 9,792.Remaining: 13,924.45. Ernest Huhta: 19 3rd St.SE, Menahga, MN 56464(marthahuhta1@gmail.com)Condition: hernia/colonoscopy.Total bills: 3,979. Donations: 3,696. Add-on bills: 7,801.Remaining: 8,083.46. Marcus Hynes: 2050 W FarmRd. 98, Springfield, MO 65803Condition: gallstones. Total bills: 3,603.47. James Isakson: 1141 E 1stAve. #1426, Broomfield, CO80020 Condition: spinal stenosis.Total bills: 20,467. Donations: 16,337. Add-on bills: 53.Remaining: 4,183.48. Barbara Jo Jackson: 634East 920 North, Orem, UT84097 (kermjack@gmail.com) Condition: colon cancer.Total bills: 14,505. Donations: 10,362. Add-on bills: 7,951.Remaining: 12,094.

m up.The prayer of a righteous man is powerful and effective.James 5:15a, 16b49. Carol James: 18224 JusticeRd., Camp Douglas, WI 54618Condition: diverticulitis. Totalbills: 39,130. Donations: 34,838. Remaining: 4,292.50. Rebecca Jamison: 346 JamisonFarm Ln., Troutville, VA 24175Condition: hysterectomy. Totalbills: 39,038. Donations: 35,699. Remaining: 3,339.51. Nancy Johnson: 5540 ArnoldRd., Duluth, MN 55803Condition: heart condition. Totalbills: 3,347. Donations: 540.Remaining: 2,807.52. Timothy Johnson: 14612 StRt 235 N, Lakeview, OH 43331Condition: heart attack. Totalbills: 5,228. Donations: 2,039.Remaining: 3,189.53. Daniel Jones: 4024 KenwoodDr., Flower Mound, TX 75022Condition: fatty lump removal.Total bills: 9,258. Donations: 2,154. Remaining: 7,104.54. Sondra Jones: 6990 WestState Rd 4, Hudson, IN 46747Condition: hernia repair. Totalbills: 7,691. Donations: 3,865.Remaining: 3,826.55. Gilbert Kassing: 3907Farmingdale Dr., Arlington,TX 76001 (gibkassing@yahoo.com) Condition: heart attack/triple bypass surgery. Total bills: 77,722. Donations: 66,646.Discounts: 1,300. Remaining: 9,776.56. Shane Kellogg: 15848Township Rd. 110, Kenton,OH 43326 Condition: hipreplacement. Total bills: 26,688.Donations: 6,036. Remaining: 20,652.57. Cynthia Lederman: 53899CR 39, Middlebury, IN 46540(toddncindy82@gmail.com)Condition: knee replacement.Total bills: 10,221. Donations: 6,081. Remaining: 4,140.58. Keng Fun Lee: 3328Shepperton Blvd., Indianapolis,IN 46228 (pslee2@hotmail.com) Condition: degenerativedisc

Christian Healthcare Ministries since the close of the last open enrollment period. That means you’re coming up on the first open enrollment period since becoming a CHM member. Open enrollment for 2018 begin

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3 Christian - Anglican 25.06 Christian - Anglican 15.48 4 Christian - Uniting 5.44 Christian - Other Protestant 6.79 5 Christian - Other Protestant 2.55 Christian - Uniting 2.88 6 Christian - Presbyterian/Reformed 2.53 Christian - Presbyterian/Reformed 1.35 7 Christian - Other 1.83 Christian - Lutheran 0.87

Ministries. Pray that many girls will receive the baptism in the Holy Spirit through Girls Ministries. Pray that Girls Ministries will enable girls to develop their gifts and become godly young women. Pray for Girls Ministries leaders and workers, that t

Pan-African Baha’i Muslim Interfaith Zoroastrian Taoist Scientologist Catholic Christian Swedenborgian Christian Christian Orthodox Christian Mormon Protestant Christian Jehovah’s Witnesses Hispanic Christian Anglican Christian Ethiopian Orthodox Christian . Founding of the first Church of Scientology in the U.S., the Church of .

Ethiopian Orthodox Christian Buddhist Confucian Christian Catholic Christian Jain Interfaith Hispanic Christian Hindu Mormon Jewish Jehovah’s Witnesses Muslim Scientologist Orthodox Christian Rastafarian Protestant Christian Pan-African Taoist Swedenborgian Christian Sikh Shinto Zoroastrian Wiccan/Pagan. 4 . Founding of the first Church of .

ministries may lose the privilege of attending Liberty Christian School. 5. All parents and students must agree to the standards of conduct for Liberty Christian School. Liberty Christian School holds that the Bible is the infallible, divine Word of God and that salvation by faith in Christ is the initial step in the Christian life.

sharing ministries (20 states and D.C.) State law explicitly exempts health care sharing ministries (30 states) State Laws Governing Whether Health Care Sharing Ministries Are Exempt from State Insurance Codes, 2018 Exhibit 1 Data: Authors’ analysis of state laws g

Subgrantee: Mercy Ministries of Laredo Project Title: Sí Three: Integration of 3-D Health Services Submitted by: SIF Grantee: Methodist Healthcare Ministries of South Texas, Inc. Program Name: Sí Texas: Social Innovation for a Healthy South Texas Prepared by: Evaluator: Health Resources in Action, Inc. October 2018

Base all SMEs in business 2 years (n 3,951), Question B4. All SMEs grown 20 % past 12 months (n 272). Question B4/B5. (single code, prompted). Question updated in 2019 to include growth of the number of employees in addition to turnover only (as per 2018). 30% Yorkshire and the Humber London 21% 16% have grown overall (lower than 30% in both 2018 and 2017) Highest/lowest growth Higher than .