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.
How does Samaritan work?
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 members pay only the first $300 of any eligible medical expense, so it could be just what you’re looking for. The cost is currently $285/month for a family of any size. It’s very easy to submit a need, 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. :)
Does Samaritan really work?
My husband is a little hesitant about not having traditional insurance. Do people actually pay what you what they are supposed to?
How much does Samaritan cost?
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 needs received, and it’s still far cheaper than if we were to buy traditional health insurance. Our monthly share has also occasionally been less than what we expected, just because there were fewer needs submitted for that month.
The current price for a family is $285/month, and much less for singles or single parents. 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 Kim Coghlan 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.