Online Sharing Now Available

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Posted by admin | Posted in Samaritan Perks | Posted on

Samaritan recently rolled out a new option for members to send their shares online through Paypal. This is a feature many have asked for so I’m glad to see it becoming available. There are some details to know as part of this new offering:

FOR RECEIVING

  • Members must create a paypal.me link which must be entered into their Samaritan dashboard settings so that sharing will work
  • Members must go into their Samaritan dashboard and update their settings to be able to accept shares through Paypal. You can do this now through dash.samaritanministries.org

FOR SENDING

  • To avoid unnecessary fees when using PayPal.Me, Samaritan recommends
    • Using a “Personal” PayPal.Me account, not “business”
    • Sending money to “Friends and “Family”, not for “goods and services”
    • Connecting your bank account to your PayPal account, not a debit or credit card
  • Members would log into their Samaritan dashboard (online account) and see if Paypal sending is an option for that need. If the recipient isn’t set up for online sharing yet then you would still send a check in the mail. Over time more and more members will choose the online option and I expect it to become quite popular, however, members are not required to receive shares electronically if they are not comfortable doing so.
  • Members can send an electronic note along with their share, or still send a card in the mail.

Thank you to Samaritan for continuing to advance the ministry and make things easy for the members.

 

My Annual Insurance Comparison Project

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Posted by admin | Posted in ACA-Obamacare, Samaritan Perks | Posted on

It’s that time of year again. ACA Open Enrollment is from Nov 1-Dec 15, 2017 (only 6 weeks) and that means it’s time for me to compare our Samaritan membership to what the insurance world is offering. Once again I sing praises to the Lord for leading our family to Samaritan Ministries.

Honestly, this process has become so grotesque it’s like watching a train wreck.

Here’s how the math works for our family, updated for 2018:

Insurance Premium: $2158.54/month for high deductible bronze plan HSA. Medica is the only company offering any plans to Nebraska
Samaritan share: $495/month
SAMARITAN SAVES US: $1663.54/MONTH savings = $19962.48/YEAR savings
Insurance OOP max: $6650 per person, $13300 total with a $12,000 deductible
Our Responsibility with Samaritan: $300 per incident
SAMARITAN OOP SAVINGS: $13,300 (assumes we had 3 incidents per year and would have met our full deductible/OOP, and got full discounts)
Insurance Co-pay: I pay 100% until deductible is met on everything except the free physical
Samaritan co-pay: NONE
Insur Premium + Full Deductible: $37,902.48 (That number leaves me breathless). Almost $40,000 before insurance even helps?

 

Some key takeaways from this:

  1. We would be flat out broke if we had to pay for insurance. Thank You Samaritan Ministries for existing!
  2. The absolute cheapest insurance option is an HSA with a $12,000 deductible costing more than $2100/month.
  3. The last line of the spreadsheet shows that if were were to have a couple of medical issues and just meet the deductible, we would pay just under $38,000 in premiums and deductible costs before insurance does much of anything. Oh wait, they give us a free physical. Also known as the $38,000 physical. Sure, that’s the same as free.
  4. I can pay $495/month with Samaritan Classic (family rate) or $2158/month with insurance. How is that insurance quote even real?
  5. I didn’t show it, but the Gold plan offered to us is now $3055.87/mo. Do people actually sign up for that??? It’s the plan closest to what we had before the ACA started with a $3000 deductible, $30 copays and all the numbers from the good ol’ days. Apparently the good ol’ days are worth over $3 grand/month. I can’t even stand it.

My deepest sympathy if you are being hit with this trainwreck information in your family and feel lost. I remember that feeling. Please consider joining Samaritan Ministries. Write to me, ask questions, read everything on this site (pages at right) about how it works and how wonderful it is. You could save a fortune and get even better health care in the process. It’s a different way of thinking about your health care and expenses, but I find it so liberating and quite wonderful.

Member Testimonials

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Posted by admin | Posted in Member Letters | Posted on

I love reading testimonials from other members about their experiences using Samaritan for health care cost sharing. Here are a few for you to enjoy.

“I took a terrible fall and broke both of my wrists. As I was being wheeled into the operating room I had a moment of fear and doubt. Would it work out through Samaritan Ministries? Six months later I am done with therapy and able to write this note of praise to our great God. My need was met, the staff were kind and helpful, the website and new online need process was super easy, the support of members was amazing!” – Sandra in Illinois

“We moved to Tennessee last summer, and after getting settled in, I needed to find a new doctor. I prayed for the Lord to direct me to the right one and He did just that. My new doctor was a godly woman and so excited when I explained Samaritan to her. It wasn’t much longer and she shared with me that she had indeed signed up! It has been such a blessing to be part of Samaritan.” – Suzanne in Tennessee

“Because of Samaritan Ministries I was able to calmly walk into an ER and focus my attention on the problem at hand. I didn’t have to stress about how much everything would cost, and how on earth I would pay the bills without taking food off the table. Thank you to all of you who made health care accessible and affordable to me.” – Noel in Idaho

“The Samaritan approach to health care worked extremely well for my need. From my perspective it is far and above better than any health insurance policy out there. I was free to choose my doctor and the hospital for the surgery I needed. I negotiated a 50% discount ahead of time. This is the way it is supposed to work. Very straightforward and simple. Thank you Samaritan for allowing me to be part of this concept. I was in the hospital for only one night. At two weeks I was 90% recovered and at four weeks I’m full speed ahead 100%!” – Philip in Tennessee

Click here to download a free information packet about Samaritan Ministries