Member Letters


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letter We are so thankful for Samaritan Ministries and its members! With my husband being self-employed, there were few options available to us for maternity needs. We are pleasantly surprised over and over again with how pleasant Samaritan is to deal with. One month we were to send our share to a member who lived across the country — a member who happens to be an old friend from long ago! Sure makes “paying bills” so much more pleasant when you know that on is sharing the burden of a fellow brother in Christ. We loved how everything with our pregnancy was handled. What an answer to prayer! Thanks so much.” — Andrea in North Carolina


“God has been so good to us throughout the trial. From the early diagnosis of bladder cancer through the surgeries and treatments, He has given us a peace that can only come through knowing and seeking after Him. We have received tremendous prayer support, and the financial support from the brothers and sisters participating in Samaritan Ministries has been a real blessing! The cards and notes of encouragement are especially meaningful.” — Richard in Colorado


“It is a great blessing every time an envelop is opened! We are incredibly blessed by the Godly people involved in this ministry. The encouraging words and financial provision are a sweet gift from the Lord! We are so thankful for all the Samaritan members and staff who make this ministry possible.” — Jenny in Minnesota


“Our daughter, Rachel, responded well to antibiotics and recovered quickly from pneumonia. The shares we received met the financial need by the notes attached were precious to us. It is humbling to know God’s people have been lifting our family up in prayer. We shared the notes with Rachel and our other five children as proof that the effective, fervent prayer of a righteous man avails much (James 5:16). We feel blessed to have been on the receiving end.” — Stephanie in Wyoming



Giving to Special Prayer Needs


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Our family’s April share was listed as $0 from referrals, so we sent our full $400+ regular share equivalent to special prayer needs instead. We love paying it forward. It allowed us to send about $40 to 10 different families who had special prayer needs this month, meaning almost everyone on our list received something from us. We were able to provide extra help to families in 9 different states (twice to Georgia), with needs ranging from pregnancies that started before membership to extensive dental work. There was even one that had a cancer need which went over the $250,000 limit per need for the regular membership and he wasn’t a part of Save to Share. The full need over and above the $250k would have been shared if that member was also part of Save to Share. Since he wasn’t, the extra bills then gets listed as a Special Prayer Need.

Side note: I STRONGLY recommend being a part of Save to Share for that very reason. Being part of S2S jus means you put a little money (depending on membership type) in your own savings account and only send it out when called upon. It’s a very inexpensive way to provide financial protection against those super scary big needs like cancer or heart attacks. We did not spend our entire Save to Share allotment last year, and looks like we probably won’t this year either at the rate its going.

Do members have to give to Special Prayer Needs? No. But I hope you will. These are offered as opportunities for extra giving. Some people just can’t, they are pinched as it is. Others can give generously. All of it is needed and useful, and all of it touches another family in a very direct way. Sometimes it’s easy to think we aren’t making a difference in the world, or wonder how we could make enough of a difference to matter. When you send a check to a family who is facing a need which burdens them, you are sending relief, hope and support. You are sending a message that there are Christians out there who are thinking of them, praying for them, and walking with them in their need. Even if you just send $5, that message still counts. It means they were thought about, prayed for, and supported. And sometimes that can be the very thing they needed to take another step forward. You can send your gift direct to the family or direct to Samaritan with designation to a family on your list (or don’t designate and let Samaritan decide). It’s tax deductible if you send it through Samaritan. That matters to some, others don’t care about the deduction.

If you were part of the reason we could send our full share this month to special prayer needs, I again say thank you for listing me as your referral. It serves a real need and I love knowing that we can help.

Why do we let insurance companies tell our doctor what to do?


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This is another scenario that has puzzled me. I know people complain about insurance not covering treatment X or test Y and the patient needing to do something different due to insurance rules. There is sometimes much gnashing of teeth over it. But I wonder why insurance customers (patients) allow this to continue? Why has the collective of insured patients decided to let the insurance companies be in charge of their health care? Think about it. If you have insurance your healthcare is no longer just between you and your doctors. There’s a private company (and now the government!) in the middle making decisions about your care. There are people who don’t know you and don’t care about you looking at the choices your doctor made and passing judgment on whether that recommended treatment is something they think is worth doing. No matter that YOU want it done, or that your DOCTOR says its the right thing to do, the only decision that matters is that of the insurance company. Why do we allow that???

I think we allow it because we don’t know any other way. We assume that’s the norm, that we’re powerless, and without the insurance company we should surely go bankrupt. We have been convinced that these faceless boards of people know better than we do and we should just accept what they say. As a result we have turned over control to people who are only out to make money off of us. At least until it’s no longer someone else’s problem. We don’t fight it until it becomes personal. Until it’s finally US being told we can’t have that cancer medication, or that procedure, or that test unless we pay for it on our own.

I read a post on the facebook page a few days ago of a very angry patient who had her medications changed by her insurance company. She noticed that her prescription had been cut in half for the same time period. When she called about it, she was told that her insurance provider (its their governing medical board) didn’t think she should be taking that level of medication at her age. She checked with her doctor and he had not changed the script, but it was done by the insurance company. Not surprisingly, she is very angry and instantly had her eyes opened that her medical care is not just between her and her doctor. She was appalled that a bunch of people she doesn’t know and who don’t know her personal medical history had the power to change her medications without her doctor’s approval. I get the impression she had previously been a champion of the ACA but now was speaking out loudly against the intrusion into her medical care. That story is quite scary to me. When did we give up such power over our lives?

I think it’s wrong that we don’t really have a one on one relationship with our doctor. Why does our doctor have to ask permission from anyone but us? ISN’T THAT JUST COMPLETELY WRONG?

I admit, I allowed this way of thinking for our own family for a very long time. I didn’t know there was another option. I assumed we had no other choice between a painfully frustrating insurance company or total ruin. I WAS WRONG.


Yes, I’m talking about healthcare sharing ministries. I want the word about these ministries to spread far and wide. It’s a shame that more people don’t know about them, but let me tell you, word is spreading. Thanks to the headaches of the ACA word is spreading far and wide about Samaritan Ministries and others, and the membership rates are skyrocketing.

People are realizing that insurance companies have been taking them for a ride. They’re getting scammed and are tired of being tricked into thinking they have coverage they don’t really have. People are hearing about how happy Samaritan members are and they are telling insurance companies to go away.

Consider the stark differences:

makes your doctor ask permission to treat you vs lets every decision be between you and the doctor
gives you free checkups (which don’t cost much) but makes you pay thousands on bigger needs before they start paying vs lets you cover your own low cost checkups, but only makes you cover $300 of the big scary needs
often makes you fight for coverage (based on reviews) vs actively looks for ways to help members
charge really high monthly premiums vs charges much lower monthly shares (ours is less than 1/2 the insurance rate)
has very high deductibles vs has a low $300 member responsibility per need, can be reduced to $0
never covers alternative treatments vs does share in some alternative treatments
offers no help for uncovered expenses vs offers help for non-shareable expenses through Special Prayer Needs
offers no prayer support vs offers full prayer support from members and staff
covers abortions vs no sharing of any abortion costs


Are there reasons people would stick with insurance? Sure. They may have a pre-existing condition that is currently being treated and very expensive and insurance is paying some of that bill. Ministries have different ways for handling pre-existing conditions and those options may not be a good fit for some. Some people may not be able to adhere to the ministry’s Christian and lifestyle guidelines (attend church, no drug/alcohol abuse, no coverage for promiscuity, no smoking, etc). Some people may have employer health insurance that is largely paid for by the company and there’s no financial motivation to look for anything else.

Maybe a healthcare sharing ministry isn’t a good fit for you. But look anyway. At least consider it and do your own comparisons and run your own financial numbers. Thousands and thousands of people are realizing this is a much better path for their family. It’s logical, it puts members back in CONTROL of their own healthcare, and they’re saving money at the same time. For many people the scales have tipped so far away from insurance yet they don’t even know it, or they know it but don’t know what to do about it. The ACA was supposed to be the answer for everything, but instead it has caused mass confusion, expense and heartache. Look at the healthcare sharing ministries. They’re stable, they’ve been around for 30+ years, and they want to help you. Insurance companies want to make money. Helping is not their goal. Most ministries have a foundation in Christ and actually want to help. Samaritan Ministries is there and will answer the phone. They will pray with you, hear you, and want to help you. Give them a call and see if they’d be a great fit for your family. They sure are a great fit for ours. 🙂