3 Ethical Considerations for Choosing a Health Plan

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A health care professional speaks with a patient about their health plan.

When evaluating health plans, some questions automatically come to mind about costs, deductibles, networks and prescription coverage. After all, these affect your wallet and access to medical care.

Have you ever considered that Christian ethics are just as important in this decision? It’s imperative to evaluate three key ethical considerations when choosing a health plan:

  1. Does the health plan value the sanctity of life?
  2. Does the health plan align with God’s design for men and women?
  3. Does the health plan enable me to be a good steward of my health?
1. Does the health plan value the sanctity of life?

Your biblical values guide your ministry, your home and your relationships — they should lead your health plan decisions as well. This requires looking at how your plan operates. In some secular plans, you could be required to pay premiums that go toward other members’ coverage that directly conflicts with your faith — even when you don’t personally use a medical product or service that goes against your convictions.

To find a compatible faith-based health plan that will not compromise your beliefs, look for a provider with shared values about God’s design for life.

For it was you who created my inward parts; you knit me together in my mother’s womb. Psalm 139:13 (CSB)

Every human life is sacred because it is God’s creation. To guard the sanctity of life, we believe it is crucial to search for a plan that does not support any treatment that is harmful to any life. GuideStone® health plans exclude coverage for abortifacients and abortion procedures.

2. Does the health plan align with God’s design for men and women?

It’s also important to find a health plan that honors God’s design for men and women.

“Haven’t you read,” he replied, “that he who created them in the beginning made them male and female.” Matthew 19:4 (CSB)

As a faith-based organization and an entity of the Southern Baptist Convention, GuideStone does not compromise biblical values in its health coverage offerings. GuideStone health plans exclude coverage for gender dysphoria treatments, including sex change surgery or related sex hormones.

3. Does the health plan enable me to be a good steward of my health?

Don’t you know that your body is a temple of the Holy Spirit who is in you, whom you have from God? You are not your own, for you were bought at a price. So glorify God with your body. 1 Corinthians 6:19-20 (CSB)

An ideal health plan provides access to care for your situation and life stage, including medical tests, treatments, prescriptions and more.

To find a plan that best supports your health as you advance the Kingdom, ask yourself the following:

  • Will I have access to local, trustworthy health care providers?
  • Does the scope of coverage fit my family’s medical needs?
  • Are both in- and out-patient services covered?
  • Are prescription medications covered?
  • Am I covered if I travel?
  • Is preventive care covered?
  • Do the monthly payments fit my budget?

Being a good steward of your health means taking care of your body with proper nutrition, weight and stress management, consistent prevention and more. Look for a health plan provider that equips you with helpful tools and resources for a resilient life.

To help ministry workers lead their healthiest lives, GuideStone offers patient advocates, health coaching, a maternity program, a type 2 diabetes reversal program and more tools and resources at no additional cost in most health plans.

Empower Your Health, Uphold Your Ethics

The right health plan can help pave the way to start well, stay well and finish well — all with a clear conscience. As you evaluate ethical considerations, GuideStone is here to serve you with quality health plans  that don’t compromise biblical values. For more information, contact us at Insurance@GuideStone.org or 1-844-INS-GUIDE (1-844-467-4843), Monday through Friday, from 7 a.m. to 6 p.m. CT.


This GuideStone content was originally published at Baptist21.com.

GuideStone welcomes the opportunity to share this general information. However, this article is not intended to be relied upon as legal advice or medical advice, diagnosis or treatment.