Samaritan Ministries: an alternative to health insurance
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 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.
Related posts:
- Samaritan Ministries
- Another reason I love Samaritan Ministries
- Kids are cheap
- the Budget, and where my Chocolate falls therein
- Health food for Christmas
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Filed under: big family, from the mailbag, frugal
Thanks for sharing this. We personally don’t have this as my husband has really good health insurance through his employment. However, we know several of the men that work and Samaritan and they really work hard at making this an affordable alternative.
This is very interesting, I don’t think it would work for us because we have two children with health issues and so does my husband but this is great information to pass on to others.
Yes, I was wondering what the “requirements’ are health-wise? What if you have diabetes, or high blood pressure, or have had cancer, etc. (none of these in my family thus far, but I know families this would affect)?
It sounds great – just curious about the details (which means I should probably check it out myself
thanks~
Lori
Lori,
They have a basic pre-existing need policy. From the FAQ:
Samaritan does not “publish needs for conditions that exist prior to membership and have never been cured, or for most congenital conditions.”
People with pre-existing conditions can join and have other needs published as long as the need is not related to the pre-existing condition.
They also don’t cover injuries from auto accidents since this coverage is very inexpensive with your auto liablility – less than$10/month, I think.
can you explanin what you mean by people send payments? are you required to send payments in addition to your monthly payment? if so how much?
We were members of Samaritain Ministries when hubby did not have health insurance and it was great. We did have 2 babies over that time at home and it worked well. I loved the cards of encouragement that we received, that was a blessing.
When hubby changed jobs his company offered great insurance so we went with it. The only thing I did not like was that it never covered them small visits, it’s more like a major medical plan than regular insurance. It never became a major problem for us because we did not go to the doctor’s unless we had to which was rare but if someone had to go the visits must be paid out of your pocket like you do not have insurance. And sometimes that was tough with also paying your “share”. If we ever do not have insurance we would join Samaritian Ministries again, it is a great alternative if you do not have health insurance.
Hi Kim:
Thanks for the plug!
I do want to add that while you’re using terms like “cover” and “claim” in your description of us, we are not an insurance company, and that’s an important distinction. Other health care sharing ministries have been accused of selling insurance without a license, and we make careful efforts to distinguish ourselves from insurance.
Insurance, because it is state regulated, is allowed to make guarantees that are are not. We also are faith-based and coordinate ministry from member to member–there is not a pool of funds from which needs are reimbursed–the gifts come as needed from other members.
So as you speak of SMI in the future, please stay away from legal “Terms of art” related to insurance.
And yes, if someone else is reading this and you inquire about Samaritan, please do give us Kim’s name! We like to know where you heard about us.
James Lansberry
Vice President
Samaritan Minsitries
We are happy with our current insurance coverage, but Samaritan Ministries sounds like a great alternative. If we ever switch to them, I’ll be sure to give your name as a referral! Thanks for sharing.
maryjo,
You send your monthly payment directly to another member. Each month you receive a page telling you where to send your share and why so that you can pray for the recipient and include a note with your payment.
You also receive a list of additional needs that were not covered for one reason or another (often pre-existing condtions). We sometimes choose to send a bit extra directly to one of these members, but that part is totally voluntary.
I appreciate your input, Mr. Lansbury. I’ll be more mindful of the terminology and edit the post accordingly.
Thank you for all that you do. I really do love being a part of Samaritan Ministries!
I couldn’t believe the post on SMI. My husband and I have been trying to find out as much as we can about it. He is in full time ministry at our church and with our age the policy we have keeps going up up and up so that we really can’t afford it not to mention the benefits are not so good. I wanted to ask you a couple of questions and since you have several little ones I thought you may have an answer. We have always taken our babies in for the routine well exams( our insurance does not pay for the older ones) and we also have the shots they say to have. I knnow many don’t but my question is this. Would that be something to send in since it would be over the $300 most likely. And one more thing if say four or five kids get the same thing say bronchitis or maybe several with congestion and ear infections. And then you have a combined whopper of a bill do you send that in? Sorry so many questions but I just found it to be an answer to prayer with us just really wondering if this is right for us. We will probably be looking into this for sure in July. #6 is coming is June via C-section so we have to keep what we have for now. Do we put your name or your husbands name down for a refer. Thanks and I really enjoy your blog. I enjoy the mix of humor and serious posts. Hope you and your family are enjoying the new year. Missy in TN
I’m trying to get my mind around the concept of individual members sending their monthly contribution to a person (family) with a need. That may work OK for smaller needs, but that checklist is going to get pretty long for the big operation. It seems that it would be more ‘efficient’ to pool all the contributions, and then pay the needs. Also, the time lapse is about the same as appears to be the case with insurance. Less paperwork for the provider, but just as long a wait.
Seems like the basic concept is much like a mutual health insurance company where the subscribers actually take an interest. In addition, there seems to be some additional helpful factor that keeps the State out of the equation.
Of coarse, that leads to the question of why the State became involved in the first place. I can guess the answer, and it’s not prettyl
More efficient, perhaps, but we think a big benefit is receiving contributions, prayers, notes and cards directly from members. This also helps keep the ministry itself very transparent, as members know exactly where their contributions are going.
And really, the checklist isn’t cumbersome. It’s not a complete report or extensive bookkeeping of any sort; just an alphabetized checklist. It’s not likely that a member will have a checklist of more than 30-50 members even for the maximum bill of $100K. Needs over $100K are dealt with differently, and the funds do go to Samaritan Ministries first for just the reason you stated.
Kim:
I think you’re undercounting. You could get a few hundred checks for a need that approached $100,000, though having had a few large needs for my family the bookwork is a burden, but a joyful one (more checks means more cards!).
Peter: you’re right about it being more efficient to do things differently. But that word always reminds me of an old Steak N Shake commercial. Split screen, on one side a shake being made from scratch, starting with ice cream and a blender–on the other side an assembly line of milkshakes from a machine.
Tagline: “Their way is more efficient, but when is the last time you took a drink of a milk shake and said, ‘mmm. That tastes efficient’”
Ministry is often inefficient, because it is personal. Samaritan isn’t *just* about getting the bills paid, but about the body of Christ *miinistering* to one another.
Also, you’d be surprised how long it takes a lot of insurance companies to pay their bills, and having the individual member engaged in the health care costs is also and important part of recognizing objective value of the service.
Thanks for the comment, and feel free to contact Samaritan with more questions.
James Lansberry
Vice President
Samaritan Ministries International
Mr. Lansberry,
I stand corrected. I was hasty in my math. But I do agree with you that the checklist is a great blessing, and we have very much enjoyed receiving cards and gifts directly from other members rather than from a central office. A list of a few hundred would mean a few hundred other families praying for our need as well.
We are interested in your health insurance program. How can we join Samaritan Ministries,and participate in it. Thank you very much. Mandy Reynvaan.
Mandy,
Thanks for asking! I’m emailing you about this.
Somehow the e-mail you send me about your health insurance, along with the link to download an application got deleted. Could you please send it again. Sorry for losing it. Mandy Reynvaan
So do members of SMI often combine this with a really high-deductible (100K+) insurance plan? I’m curious as to what you do to plan for the possibility of a major catastrophe (one that costs more than the 100K limit)? Also, are there companies that have plans with that high of a deductible that you know of? Thanks.
Samaritan offers an optional separate plan called Save-to-Share which covers needs from $100k-$1 million. To take part in this plan, we set aside $399/year and send it to members as needs arise. The additional amount (if any for that month) is combined with your regular monthly share. That’s probably as clear as mud, isn’t it? They explain it more clearly near the bottom of this page.
Although my husband and I currently have very good insurance from my employer, we have been keeping our eyes open for some alternatives for the time when I will want to stay home with our children. (His insurance options are fairly expensive and not great as far as benefits.) My biggest question about this is how long after the procedure or hospital visit does it take to start receiving share donations from other members if you send in your bills right away? Do most medical facilities allow 2-3 months for payment before they start charging you late fees? I haven’t ever had to deal with personal payment of medical bills so I’m just curious about how that works.
Hello!
My husband and I have been looking into Samaritan Ministries as an alternative to health insurance. We had a question about how it works with regard to smaller amounts. Generally, our bill is less than $300. We currently have 2 children, and if we take them in for illness, it just doesn’t end up being that much. So we would pay their bills under $300 and the monthly rate? Also, does this work with medications too, or is that separate? It sounds like a good idea, but with the monthly rate, the bills under $300 and medications, we don’t want to pay more than we already are.
Any info would be great.
Thanks!
Jenny
Jenny,
You would pay any bills under $300, unless they’re all connected to a single incident that totals over $300. The reasoning is that a family should either be able to cover smaller bills, or they should have a local network in place to help with very small needs (often family or church). If you do routine checkups, etc. then Samaritan might not be a good choice for your family, although it’s still far less expensive than a traditional insurance policy.
They do have a discount prescription card, though I can’t say how well it works since we’ve only used it once in all our years.