Bear one another's burdens and so fulfill the law of Christ. Galatians 6:2 urges Christians to help our brothers and sisters in time of need. But what about healthcare? With health insurance rates constantly rising it's good to know that believers have an affordable option. Today, MoneyWise Rob West talks with Lauren Gajdek of Christian Healthcare Ministries. The cost of our programs range from $78 monthly for an individual to $516 monthly for a family. Christian Healthcare Ministries is the longest-serving health cost sharing ministry. We've been around since 1981. We've shared over $4.5 billion since our beginning. We work with the healthcare providers, the doctors, and the hospitals to negotiate the prices. We also involve the patient in that. So we're able to get a lot of discounts on the medical bills. We encourage our members to approach their healthcare providers saying that they're a self-pay patient. Christian Healthcare Ministries is not insurance but a cost-sharing ministry. With our Gold Program, the most that someone would have to pay out of their own pocket would be $500. You can find out more at CHMinistries.org. On today's program we also answer your questions: I've been retired 10 years and currently have a 30-year mortgage. We're about 8 years into it and we owe about $190,000. I'm interested in going to a 15-year mortgage. What advice do you have about refinancing? I inherited a piece of gold! Where should I go to get it evaluated to sell? Ask your questions at (800) 525-7000 or email them at [email protected] Visit our website at moneywise.org where you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources. Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion! Remember that it's your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.