Well, there is at least one bright spot in healthcare “reform,” and that’s the number of new members in Samaritan Ministries, a healthcare sharing group that our family has been members of since May 2011. Members of Samaritan are exempt from the requirement to partake of health insurance or pay the penalty, and with the loss of previous coverage and/or rising costs for many families, many are turning to Samaritan to take the place of “traditional” health insurance.
I just received the following graph in an e-mail update from the office:
I would say that’s a bit of a growth compared to last year’s monthly increases in membership!
So, what’s the cost? Well, the current monthly share is $165 for singles, $315 for couples, $230 for a single-parent family, and $370 for a two-parent family. The cost is discounted when one or both of the heads of household are ages 25 or under, which brings the cost down to $125 for singles, $235 for couples, $180 for a single-parent family, and $320 for a two-parent family.
Like I said, we’ve been members since May 2011, and it has been a real blessing for us. The cost is lower than the insurance plan that was available to us through my husband’s place of employment, and we’ve found that much more ends up covered when all is said and done. For example, when we were on my husband’s insurance, we ended up with $2k+ out of pocket after insurance for my older son’s birth and delivery, whereas with our younger son, we ended up paying … $0. Yes, you read that right. Maternity needs are no different than other medical needs through Samaritan; you are responsible for the initial $300, but any discounts to your bill are applied first to the $300, then to the remaining bill. Through a combination of being labeled ‘self-pay’ patients (as all Samaritan members are), as well as being a single-income family, we received a discount on our prenatal and delivery that was greater than $300. This meant that we paid nothing out of pocket for the pregnancy and delivery of our younger son. What a blessing, compared to what we were left with even with insurance when our first son was born.
Want to know more about what’s covered and how to become a member? You can download an information packet, or visit the rest of their website to learn more about their accountability, endorsements, history, and more.
Just one more thing … when you refer new members, you can receive a one-time referral discount on your monthly share, but only if the new member mentions that you referred them! If you decide to pursue membership with Samaritan Ministries, would you mind mentioning that member #34517 sent you their way? Thank you!
So how about you? Are you considering membership with Samaritan, and have questions about our experience? Are you already a member, and want to share about the blessings it has provided? Please feel free to ask questions and share stories in the comments under this post. I’ll do my best to answer them!