We have received a LOT of questions lately about our decision to switch to a health sharing plan this year. I hope this will answer some of your questions. Please feel free to email us or comment if you have more questions!
We are SO thankful for Samaritan Ministries & the blessing it has been to our family. At the end of last year, we received our new insurance rates & were shocked. We were going to have to pay over $1200 per month for our health insurance for our family of six. We still would have a high deductible & have more medical expenses. After much searching, studying, & praying, we switched to Samaritan in January & cannot be more pleased. We pay $500ish per month for our family of SIX & any illness/injury over $300 is covered. We have the coverage for a family & we also are enrolled in "Save to Share." That is basically like catastrophic coverage, so there is no limit to what they will cover. I was VERY nervous about the medical expenses we would be responsible for, but after almost a year of experience, we are so pleased. I called our pediatrician's office before we switched & asked for the CASH or self-pay prices for every well visit & vaccine we would have this year. The most we have paid is $179. I do know that doctor's charges vary, so be sure you check around for prices! Even when we pay for our kids' well visits/vaccines, it still is cheaper than us paying that ridiculous amount for insurance.
We have had a couple of sick visits this year as well. Our pediatrician charges $89 for the visit plus any tests needed. Even if we had a sick visit/event every month & had to pay the $300 we are responsible for, it would still be cheaper for us! Wesley had some places removed at the dermatologist this year & that was over $300. We have submitted our bills and are waiting now for our reimbursements from Samaritan members. When you have an event that is over $300, any discount that you are able to get from the provider counts towards the $300 you are responsible for too.
Prescriptions are not covered, but the cash price for prescriptions (& for your actual doctor bills) will surprise you. Of course, we have a pharmacy connection since Wesley IS a pharmacist, but check with your local, independent pharmacies & see what they can do about your prescription costs. Most are cheaper than you would expect.
It qualifies under the "Affordable Care Act" so we don't have to pay the penalty for not having health insurance too. Each month, you send your share (money) to an actual person who had a medical expense. They also send a monthly prayer list of people who have had an illness/injury, death, birth, or are expecting a baby. There are addresses included for the deaths/births, so we are sure to send a card (& info on The Light Network!). This is a great opportunity to share info on the church with others too.
If you have questions, let me know. AND, if you do sign up, we would LOVE for you to list us as your referral. There are several different groups like this (Christian Healthcare Ministries, Medishare, etc), so see which one works best for you & go with that! I know what a burden health insurance can be, so I hope this will be helpful for you!
Samaritan membership costs
How Medical Needs are Shared
Samaritan Guidelines-How it all works (preexisting conditions, etc.)