I’ve posted about Samaritan Ministries in the past, and I can’t say enough good things about them. I think they have a fantastic system worked out, and if you’re looking for an alternative to traditional health insurance, this might be perfect for you.
I’m still receiving some questions about Samaritan, so thought I’d share the answers here in case anyone else is interested.
I think I read on your blog that you use Samaritan for your insurance program. We are facing a substantial rise in our insurance costs and hoped you would give me some info. on it? We are a family of 8 and are really only interested in major type medical coverage. One of our boys tends to be accident prone so we definitely need insurance that actually will cover expenses if/when he hurts himself! Thanks for your help.
Samaritan has a $300 deductible and then full coverage above that, so it sounds like just what you’re looking for. The cost is just under $300/month for a family of any size. It’s very easy to make claims, and I have a whole pile of lovely cards with personal messages from members’ payments when Bethany was born. We even received cards from people who weren’t assigned to send payments. That’s what you get when you are joined with Christian brethren. :)
My husband is a little hesitant about not having traditional insurance. Do people actually pay what you what they are supposed to?
When you place a claim, you receive a checklist of who is supposed to send payment and how much. After a certain amount of time, you send it back to Samaritan. We have found that most members pay very promptly but if anyone didn’t pay, that share is assigned to a new member and Samaritan deals with the non-paying member. It’s very easy on your end.
For example, when Bethany was born we were supposed to receive payments from 21 members. By the end of the month, 19 had paid and I sent my checklist back to Samaritan. The next month we received a new checklist, and the other 2 payments came from different members.
When I read the paperwork, it said that the monthly amounts don’t change unless the board initiates it. Has that ever happened?
Yes, it’s happened once or twice since we joined several years ago. Of course we don’t like to see prices go up, but the increases were moderate, based upon the total amount of claims received, and it’s still far cheaper than if we were to buy traditional health insurance. The current price for family coverage is $285, and much less for singles or single parents.
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We especially like Samaritan Ministries because they don’t charge per person; in a big family, the “family rate” becomes a really great deal. I also love that they waive the $300 deductible for homebirths. While traditional health insurance often penalizes people for choosing to birth at home, Samaritan Ministries seems to recognize that it is both safer and less expensive.
Um…we also like their generous referral program, so if you decide to join up please tell them we sent you. Because the only thing nicer than the current price tag of Samaritan coverage is getting it for half price. If you’re interested, Samaritan will send you an info packet.
More questions? Look here. If you don’t find your answer, try me.
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