Posted by admin | Posted in Samaritan Newsletters | Posted on 24-07-2014
This blog has been getting a lot of great questions and comments lately, it’s wonderful to see. I love helping people make their decisions about health care sharing ministries and whether it’s a good fit for their needs. Sometimes I check in with the main office to confirm that I’m passing on correct information. Each time I am awed by the incredible support and caring in the person on the other end of the line. You can tell that Samaritan really wants to help their members.
I am struck by the stark contrast to the insurance industry. Even insurance company recorded messages are a slap in the face. “Exact benefits cannot be determined until a claim is filed.” Seriously, they won’t help you find out if something is covered until after you’re on the hook. (How are you supposed to make an informed decision if they flat out refuse to help?) And you can bet during that time they are looking for every possible loophole so they don’t have to pay. The “Insuracare” clips from the movie “Mr Incredible” aren’t far off, based on past experiences I’m quite sure they try to deny as many claims as they can.
Samaritan on the other hand goes out of their way to make sure members get the help they need. The guidelines are clear and easy to understand and there for anyone to read. They don’t need a translator. If a need doesn’t happen to fit the guidelines (pre-existing, doesn’t get to the $300 mark, etc) then you can submit those bills as a special prayer need. The guidelines are written in such a way to make it easier to get the necessary treatments, not harder. Your doctor doesn’t have to beg for permission to treat you (which wastes a ton of time and makes your doctor want to quit his job), and you don’t have to worry about rejection. Samaritan is like a warm blanket. Supportive, helpful, and always fulfilling the laws of Christ. I feel so bolstered every time I talk to them.
In this incredibly unstable time in the health care industry I encourage you to examine HCSMs as an option to insurance companies. As far as I’m concerned they are a far better solution for us, but only you can decide that for your family.
This story http://www.foxnews.com/health/2014/07/09/texas-insurance-company-refuses-to-pay-for-baby-emergency-brain-surgery-family-claims/?intcmp=latestnews and so many others like it are a huge reason we switched to Samaritan Ministries. I cannot imagine the frustration and suffering of these patients who are fighting these insurance companies. This story is about a mother fighting for the life of her child and wanting to keep seeing the same cancer doctors who have been helping them for months, but instead being told she has to go to a different hospital for the surgery because the hospital is out-of-network; go away from the hospital offering a 90% survival rate for the special surgery required vs the national average of 47%. Instead of being supportive the insurance company essentially prevented emergency brain surgery on a baby by refusing to pay for it. There are no words for that kind of callousness. These highly restrictive networks resulting from the ACA are becoming dangerous to people and the problem will only get bigger as more and more people discover they can’t see the doctors they need in order to get treated.
I have tremendous peace knowing that if someone in my family had a medical need, we can see ANY licensed doctor we need to. We don’t have to fight for our access to medical care, and the members of Samaritan will step in to help us get the bills paid. I am fraught with angst for this young mother who is fighting bureaucracy instead of sitting by her child’s bedside. As a Samaritan member this mother would only have to focus on her child’s healing, not on whether she will be allowed to get her the care she needs. She is fighting a heartless insurance company who only sees regulations and doesn’t see them as people. Samaritan members see each other not only as people, but as children of God who need each other’s support. Samaritan does not throw up these ridiculous road blocks. Samaritan members have the freedom to get the care they need and trust that it will be shared among members for payment. Simple, uplifting, prayerful, and healing.
Moral of the story, with each passing day I see more trouble coming out of the ACA and less coverage and health care for citizens. I pray that more people will be able to join a ministry like Samaritan Ministries so that we can get the treatments we need without adding unhealthy stress to the recovery time.