Open Enrollment begins today (Nov 1 through Dec 15)

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

Ok everyone, get your track shoes on, open enrollment for health insurance starts today, November 1, and runs through December 15. As this is one of the most nauseating days of the year for its fascinating “train-wreck” numbers analysis I am able to report that this year was no exception. Our quoted insurance plan options went up again (shocker) and most importantly, the total cost for premiums plus maxing out the deductible officially crossed $40,000. So if we actually need to use the policy to it’s full potential we would cough up over $40,000 in medical expenses (plus premiums) that year. Oh, but wait, we would get free physicals. Pfffft, sorry, that’s not free! I’m still more than happy to pay for a physical out of pocket to save that much money! If you want to see the breakdown for 2019 please click here.

People, this really isn’t funny, because even though we are supremely blessed to have Samaritan in our corner, we are paying these high costs anyway through the products are services we buy. Hourly rates for local businesses keep climbing because of their cost to cover health insurance for themselves and their staff. The world we live in is getting more and more expensive and it’s all riding on the back of health care. Something has got to be done about this.

Samaritan Ministries and its members are working hard to keep health care costs in check. While members are getting discounts, Samaritan is also starting a new pilot program to help ensure we get fair pricing for every submitted need, because it’s not just the discount that matters, it’s the final amount billed which affects our bottom lines.

We are so thankful for our Samaritan membership. I honestly don’t know what we would do without it. If you are in need of something more affordable that offers amazing support and financial provision please download the free Samaritan information pack and feel free to browse this site for tons of information about our Samaritan member experience.

Insurance Still Increasing by Double Digits for Many

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

News articles are reporting that some states are already seeing requests by insurance companies to raise premiums for next year by double digits again. Maryland is the first state to see it, with increases anywhere from 18% to a whopping 91%.

ref: http://www.baltimoresun.com/health/bs-hs-insurance-rate-requests-20180507-story.html

Maryland is scrambling to come up with a reinsurance option to help offset this, but even if their plan works it will still mean a very large increase for those residents. This would be the 4th year in a row for very large increases on insurance premiums. The new tax laws removed the individual mandate for 2019, but high premiums and no mandate means that thousands more will go completely without any financial safety net should their health struggle.

Healthcare sharing ministries offer an alternative that is worth investigating. If you fear a health event without any financial protection, but can’t afford insurance premiums or don’t agree with the morality of the coverage, then consider a sharing ministry. These ministries offer a MUCH cheaper solution to the issue of health care cost management. There’s no need to walk around unprotected and in fear of the next sprained ankle or that a big event could wipe you out. Samaritan Ministries offers extremely affordable monthly share costs, and offers a logical alternative to high insurance. Members pay for their own yearly physical, but the tradeoff is not having to pay thousands per month for your premium. The costs savings are huge, but even more importantly, the emotional and spiritual support goes up 1000 fold. Members have an advocate in their corner with Samaritan Ministries. They no longer have to wade the complicated world of medical billing alone. It’s an amazing system and one that I wish everyone could experience. More and more people are joining ministries as membership to ministries overall has skyrocketed to over 1 million people. It’s no longer that odd-ball idea, it’s a fully tested and functionally successful model for more than 3 decades.

We’ve had two medical events paid for through our ministry membership. There was no high left over deductible, in fact, 100% of our bills that we turned in were covered and covered quickly. No one can say that about insurance payouts. And we had no headaches with Samaritan. They were friendly, supportive, helpful, and offered support on an emotional level that an insurance rep just cannot do. The process for submitting our bills was fast and easy online, and payments arrived less than 60 days later. We joined Samaritan more than 4 years ago and have never regretted it. I encourage everyone to look into whether join a healthcare sharing ministry could be a cost saving, and peace inducing solution for your family’s health care needs.

Want to know more? Click here for a free information packet!

 

Open Enrollment Ends-You can Still Join Samaritan

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Posted by admin | Posted in ACA-Obamacare | Posted on

Open enrollment was only 6 weeks this year, from Nov 1-Dec 15, 2017. That’s half the time allotted in previous years. If you still need “coverage” and aren’t sure what to do, never fear! You can join Samaritan anytime, there is no enrollment date restriction to join a health sharing ministry.

For so many the costs associated with the insurance plan options for 2018 were just too high. Premiums, deductibles and out of pocket network costs had bloomed out of control in many parts of the country. If cost wasn’t a factor, then restricted networks and frustrating processes probably were. For many people this year it was time to say, “enough is enough.” There’s only so much we can bear on our own.

Enter Samaritan Ministries.

As a member of Samaritan you are asked to bear very small expenses on your own, and have your brothers and sisters come along side to help share the burden of bigger costs. It’s a weight off your shoulders to know you aren’t restricted by a network, you have member support when you need it, and there isn’t an insurance board of directors making decisions about your health care and whether the decisions made by you and your doctor are acceptable to them. Samaritan removes all that stress.

I am still amazed at how we have so blindly accepted the all the struggles that insurance policies bring to our lives as “normal.” It shouldn’t be normal to owe tens of thousands of dollars even after insurance has paid. It shouldn’t be normal to have a life saving or improving procedure denied by executives. It shouldn’t be normal to be buried in paperwork and long phone calls hoping to get some measure of relief from all the bureaucratic red tape.

Fortunately none of that is part of Samaritan’s normal.

If you long for something better, less stressful, less expensive, and Christ centered then please give Samaritan a look. This blog has tons of information and resources for you, plus you can get a free online information packet from Samaritan themselves by clicking here. It may just be the thing that makes your 2018 year the best and brightest ever!

MERRY CHRISTMAS EVERYONE!