We got a letter yesterday from Blue Cross stating that even though we have cancelled our policy, they’d like to offer us a chance to come back. They promised that our premium wouldn’t go up more than 16% when it renews in a couple of months and warned us that the plan they would let us have back wouldn’t have the ACA required coverage minimums (don’t care, didn’t want them anyway). Ok, a 16% increase would make our premium well over $700 a month (yikes!) and we could only have our plan for one more year. (Great so I go through this mess with the ACA again in a year? Ugh.) With Samaritan we pay $405 a month.
Sorry Blue Cross, you don’t get us back. I threw away the letter. I don’t want anything to do with regular insurance now that I’ve seen what Samaritan can offer us. Insurance guarantees I will have big bills left over after they’ve paid their share. Samaritan asks me to pay $300 per incident, not thousands. Why in the WORLD would I go back to paying twice as much per month to get stuck with thousands on the back end? No way, no how.
There are so many reasons to stay with Samaritan over insurance.
- Lower monthly cost (I’m pretty sure I would stay with samaritan even if the cost was higher)
- Sharing directly with members who have needs
- Being part of a community of believers taking care of each other
- Only $300 personal responsibility (deductible) which can actually be reduced to nothing!
Samaritan Ministries beats insurance hands down. I know the particulars vary a little for each family and every family must make the decision based on their own circumstances. But the reasons to stay with insurance are shrinking fast for millions of people. The costs are just too high. The value for what we get in return is too small. The value of standard insurance just isn’t there for us anymore. I am so thankful to have found Samaritan and hope this website will help others make the decision, too.